vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: VA

Complaint narrative:
I received a series of 3 credits back to my credit card account as a result of a cruise being cancelled ( by XXXX XXXX XXXX XXXX ) due to the pandemic. The total was {$25000.00}. I was unaware that the amount had been deposited in my account as XXXX had given me a XXXX day window for repayment. Unfortunately, XXXX hadn't notified me that the refund had been made. It apparently appeared on my credit card statement on XX/XX/XXXX ; the billing cycle ended XX/XX/XXXX, so I was not notified with that bill. When I finally checked my credit card statement ( around XX/XX/XXXX ), I saw the credits, some of which were used to pay my then current bill. I called and asked the credit card company to send the money to me. They indicated it would be sent to the checking account of mine that they had within 3-5 business days. When I had not received it by then, I contacted them again and was told that it had been submitted for management approval and would be sent 3-5 business days after approval was granted. I do not understand why my money is being held captive to a process whose time is completely controlled by the credit card company ( Citibank ). 
They have had this money for a month. I am hoping that you can prod them to expedite the return of my 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 non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I got a title loan from Loan Mart I had to XXXX my title to them they supplied a prepaid XXXX I went to XXXX and sent the title they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed I have receipts for mailing a XXXX  package and a receipt for when I picked up the funds that was on the XXXX they've been charging me Interest since the XXXX that's twelve days at almost {$20.00} a day I sent them copies of receipts and they told me the funds are released on the XXXX that is not true I can send you a copy of the receipt if you would like them my name is XXXX XXXX you can reach me at XXXX or at XXXX XXXX at XXXX I've also contacted them probably six times they have never returned any of my calls they told me they take care of the problem and let me know I talked to an agent when I paid my bill he told me that their Quality Control Department denied my claim because the money was released on the 11th which is a lie I have proof all I have is a receipt and the date I got the funds I don't know what else I can do I'm on XXXX I live on {$1100.00} a month and they want me to pay them an extra XXXX plus dollars and if they do this to every customer most of them won't do what I'm doing and try to get the money back they're just happy they got their funds the embezzling probably Millions from people the rude disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
On XX/XX/2020 I tried to call Santander to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from Santander XXXX XX/XX/2020 XXXX, their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. Santander sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-22 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: NC

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/2020, I filed a dispute with Synchrony Bank regarding my XXXX XXXX account. I had made three payments on the account, each in the amount of {$88.00}, on XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The essence of my dispute was simple. XXXX XXXX literally went out of business. They closed their doors. I was never, ever, ever going to receive the furniture I had ordered. I wanted the three payments towards the furniture returned to me. 

Synchrony responded with a form letter on XX/XX/2020, that they would investigate and resolve my dispute within 60 days. As I understand it, federal law requires their response within 90 days. 

To date I have not received any further resolution of my dispute with Synchrony. They did, however, literally report my account as delinquent to the credit agencies on XX/XX/2020, even though the purchase was in dispute. It is my understanding that this too runs counter to federal law. 

I have now called Synchrony on three consecutive days only to be transferred from one department to another. Most recently, on XX/XX/2020, I was told that I would have to file yet another dispute with Synchrony for them to attempt to resolve my situation. 

Thank you in advance for any assistance you can provide.

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 2020-07-22 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: GA

Complaint narrative:
I have sent letters out certified over 60 days ago and have not been notified, as a consumer I feel like these clowns are taking advantage of normal hard working people.

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 2020-07-22 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: IN

Complaint narrative:
On XX/XX/2020 I tried to call XXXX to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from XXXX ( XX/XX/2020 ), their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. XXXX sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: IN

Complaint narrative:
On XX/XX/2020 I tried to call XXXX to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from XXXX ( XX/XX/2020 ), their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. XXXX sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.

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 2020-07-22 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: FL

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2020-07-22 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: FL

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Vehicle Solutions Corp
State: FL

Complaint narrative:
Since XX/XX/2020, I have called my auto loan company several times to resolve this error on my credit report. On XX/XX/2020, my auto loan company reported that my account is 90 days past due with the balance of {$1500.00} ( which included a repossession fee ) and that my car is being repossessed. I did not understand why my car is being repossessed when I made a payment to them on XX/XX/2020 of {$390.00}. Although my payment is usually due on the XXXX, I paid this amount without a late fee because one of their customer service representatives offered me their COVID-19 relief program on XX/XX/2020 around XXXX. According to this rep, the COVID-19 program would defer my payment for XXXX once I made the payment in XXXX and sent my job letter. Which I did as instructed. ( proof will be attached below ) The next time I call in XXXX to make a payment I hear my car is in repossessions. On XX/XX/2020 around XXXX - XXXXXXXX XXXX, I spoke to XXXX XXXX this situation and she said this occurred because their system did not acknowledge my payment made in XXXX nor was there record of the covid relief program being offered. I sent her a bank statement showing her that payment was made and sent my job letter. She agreed to honor the deferment and told me it would be updated by XX/XX/XXXX. It has not been updated nor was my covid relief offer acknowledge. As of XX/XX/2020, I have called multiple times about this issue still not being resolved and I am unable to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
XXXX XXXX and transunion reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-22 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: TX

Complaint narrative:
XXXX equifax and XXXX reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I initially took out a student loan with XXXX XXXX XXXX XXXX to pay for a XXXX XXXX XXXX  studying at XXXX XXXX XXXX XXXX University   XXXX, training provided by XXXX XXXX. However, the training was less than satisfaction for all the students so the school had agreed to issue all students full refund on XX/XX/2020 in the amount of {$8300.00}. The refund was processed and confirmed by a representative at XXXX XXXX on XX/XX/2020 and confirmed again by the accounting manager of XXXX XXXX, XXXX XXXX, on XX/XX/2020. Please see attached email communications for details. 
The XXXX XXXX representative also referred me to their loan servicing company, University Accounting Service , LLC ( UAS ) for more details on the status of my refund check. I contacted UAS for the first time in XX/XX/2020 through their online contact portal asking them about the refund status and when the check will be issued. One of the companys representative responded by telling me they forwarded my question their accountant specialist who will get back with me for the details. No one from this company has gotten back with me. I waited approximately 2 weeks and decided to call their customer service number ( XXXX ) on XX/XX/2020. The representative who answered the phone informed me that I will need to wait from 45 60 days counting from XX/XX/2020 for them to issue the refund check. I monitored and saw that my account became {$0.00} balance ( from having {$8300.00} refund ) on XX/XX/2020 so I contacted the company again through their online contact portal and was informed that my refund was processed on XX/XX/2020. However, it has been over 10 days and I still have not received the check in my mail. I contacted the company again on XX/XX/2020 asking for the date the check was sent out. They have refused to provide me with any answers. As of today, XX/XX/2020, this company still refused to issue my refund or even confirm if they have send the refund check. Additional email communications are attached for your review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check XXXX funds ( principal, interest, Escrow ) applied, and why ... when we specified the correct accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Charges I did not authorize for {$250.00} on XX/XX/20 and another one for {$250.00} on XX/XX/20. The company XXXX charged my account for more than they were supposed to per our contract agreement. They took it upon themselves to charge my account {$250.00} on two occasions as stated when they should have been only taking payments of {$44.00}. 

I disputed these charges with my bank ; Bank of America and they did nothing to help me. They reversed the charges and made my bank account go overdrawn for starters, and asked me for some documentation showing my credit card and the information from XXXX. No document exists as I bought this through a third party that just entered my card information was stored for recurring payments. 

I call over 5 times and they were more worried about the company than me telling them they overcharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief