vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 Bank of America did a emergency cash transfer through XXXX XXXX for me. They asked for copies of both my license and my Social security card which I sent. They gave me a transfer number to retrieve my money but XXXX XXXX refused to release it to me because Bank of America neglected to add my middle name to the transfer although both forms of ID I sent them had my middle name. XXXX XXXX call center advised me they can fix it if Bank of America calls them. So I called Bank of America several times a day for 3 weeks requesting this change, each time they said they can not call, only the cash transfer team within Bank of America can do that and they sent them at least 15 messages requesting just that over the 3 weeks. They never changed it. I spoke to a supervisor about a refund and was advised it would take 45 days. It surpassed 45 days XX/XX/2021 and I still have not received a refund. I have called Bank of America multiple times since then, asking where my money is and they are refusing to return it to me. They just keep saying they put in urgent requests to have it returned but thats all they can do. Its been a week since the urgent request and I still havent received my money. If I could sue them I would but its a waste of money over {$1400.00}. The state of California partners with them to distribute the unemployment money but it seems like theyre using that partnership to instead cheat people who are already down.

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 2021-06-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World Omni LT and Southeast Toyota Finance dba World Omni Financial Corp, that account was paid in full. 

Southeast Toyota Finance dba World Omni Financial Corp continually sends past due notices and harassing phone calls. 

XX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I disputed an account with Experian for a new reporting from XXXX XXXX XXXX. The dispute stated that the account didn't belong to me and that it belonged to a business. I provided the documentation that shows it belong to a business and not me along with the letter to XXXX XXXX XXXX of my request for validation that the account belonged to me. Neither company Experian or XXXX XXXX XXXX provided proof that the account belonged to me and my responsibility. 

On XX/XX/2021, Experian alerted me that my dispute was complete and that the information was verified and the account was updated ; however, they provided nothing to say how it was verified and how they determined that the information was justified to be my responsibility. Attached is the information that I uploaded to the dispute and the information that XXXX XXXX XXXX tried to use a verification it belonged to 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 non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XXXX Bank of America denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. 

There is no law saying they can deny me my own credit. I am the original creditor and have all the power. 

And they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

Bank of America is violating FCRA by providing information on my consumer report. 

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Bank of America is also in violation of 15 usc 1682b ( 2 ) Bank of America is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What law is Bank of America using to allegedly deny me credit. 

Bank of America has ill will and has a desire to harm me. I have a open end credit plan. Bank of America is being deceitful, fraudulent, hostile. Because they got what they wanted out of me. I only came for a consumer credit transaction. 

Bank of America is acting adverse towards me. Because I am administering and extending myself my own credit. 

This arose from a consumer credit transaction from my credit card.

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 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have sent letters for the last several years for Target to validate the date or send proof of the debt. The most recent letter I sent to Target was XX/XX/XXXX regarding a fraudulent account from XXXX. I sent my police report. I also have an identify theft report from the FDIC. Nothing has b been done. XXXX  and XXXX  removed the debt in XXXX, but XXXX  the debt remained on my report. On XX/XX/XXXX. XXXX XXXX  allowed for Target to put the fraudulent debt back on my report after I sent in proof numerous times stating that the debt do not belong to me. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uplift, Inc
State: OR

Complaint narrative:
Purchased airline tickets on XX/XX/2021 with a payment made to the airline via Uplift , Inc. The itinerary was cancelled within 24 hours, after which according to the airline, a full refund would be processed within 7 business days. According to the airline, a refund in full would be made to the original form of payment, in this case to Uplift , Inc. 
Uplift , Inc has proceeded to claim that the money is still owed and accruing interest although the airline claims the refund was issued within 7 business days in accordance to the requirements established by the US Department of Transportation for operators. 
Uplift , Inc has been unlawfully attempting to collect a debt and accrued interest charges for a cancelled itinerary that followed all airline policies and US Department of Transportation regulations regarding this process. 
Uplift , Inc is deceptive and fraudulent in their practices because they claim interest is owed while awaiting refunds just like a credit card charge, and yet offer no protection such as allowing to dispute charges like a credit card does. 
It is suspected that Uplift , Inc may intentionally be misrepresenting balances owed and a supposed lack of payment from their partner airline in order to claim additional money owed from accrued interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: DE

Complaint narrative:
I applied for two mortgages with Better Mortgage Corporation. When I received the privacy policy, I notified them that I would like to opt-out of selling my information for marketing purposes and any other ways they would share my information. After closing on both loans, I started receiving marketing material from different companies who claimed they got my information from Better Mortgage Corporation. As a result, it appears they started selling my information after I opted out of allowing them to sell my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial is reporting erroneous lates on my credit file. They are reporting lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lates all through out XXXX. During this time i was affected by COVID an was un able to make full payments. I called and try to make partials payments but the representative refused to take my payments. I was trying to get back on track and give GM the little bit i had but again they refused to work with me. I am very disappointed that even during a hard time and while we were all in a global pandemic they weren't willing to help. I would like these lates to be removed from my credit file. I was not late, i tried to make my payments but they refused to work with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX Wells Fargo Mortgage XXXX XXXX XXXX XXXX Georgia XXXX Dear Wells Fargo, I purchase my house in XX/XX/XXXX for {$180000.00} for 15 years fixed rate at 3 % with XXXX XXXX XXXX. Wells Fargo purchase my loan the latter part of XXXX. What I did not realize until last week was that you change my interest rate to 4 %. That Is Illegal. So far 7 years you have been charging me an extra 1 % in interest rate and extra {$100.00} a month a month. I want that money plus the interest taken paid to me immediately.. I know what you saying but I have my original documents since you do have the files only from XXXX. I even have where XXXX XXXX XXXX printed what my payments would be for those 15 years each month. 

In addition, my house payment went up from {$1600.00} to {$1600.00} for the month of XXXX due to a shortage in Escrow. How is that possible when my property taxes went down {$1500.00} due to XXXX County dropping the school tax on my property. 

So, you are cheating me two ways. I plan to being this case to light. You do not expect your bank to be cheating you. Wells Fargo is just a Legal Loan Shark. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia 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 2021-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a purchase in XXXX using the XXXX credit card issued with Comenity Bank in XX/XX/2021. I am signed up for e-bills and have never had an issue for years. A few days ago I noticed my credit score dropped from XXXX to XXXX and checked my report. Its been reported that I missed payments to this card 3 months in a row. When I went online to the account, a warning message appeared that they are having trouble with their system and it will not allow them to send me an email to my account. The email they had on file is correct and working fine, that is how I receive all my other bills and communications. For an {$80.00} charge, they added approx {$70.00} in late fees and interest for which I paid in full immediately. I have been out of the country due to coronavirus but I never received a call, email or text message letting me know about this. They have closed my account so I can not dispute any of this. This was an IT error on their part and I just dont want my score to be negatively affected because of their system issues. They are not willing to resolve this. I have never missed a payment and would not have missed these if they sent me an email, text or tried to call me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I paid off my Lease with Acura Financial. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from XXXX  Honda refuses to remove the late credit report mark. I paid off my lease. I had a XXXX balance after they refunded my over payment. I never received the subsequent bill. XXXX XXXX  told me to keep my plates because all the offices were closed due to the Pandemic. I want them to remove the late payment from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact Equifax, XXXX and XXXX, I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : XXXX Reports : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


I did not give my written or verbal permission for any of the above hard inquires. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: MA

Complaint narrative:
I paid off my Lease with XXXX XXXX. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from Experian. XXXX refuses to remove the late credit report mark. I paid off my lease. I had a zero balance after they refunded my over payment. I never received the subsequent bill. XXXX  XXXX told me to keep my plates because all the offices were closed due to the XXXX. I want them to remove the late payment 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 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My wife and I are both XXXX  with excellent income, assets and credit scores, and previous success over many years in obtaining mortgages and refinancing. 

We applied to Flagstar Bank on XX/XX/2021 to refinance the mortgage on our home. 
On XX/XX/XXXX they provided us with a Loan Estimate and on XX/XX/XXXX promised in writing Lender Credits of {$2500.00}. 
They provided a conditional Approval letter on XX/XX/XXXX and indicated that the estimated closing date was XX/XX/2021. 

It is now more than 20 weeks since we applied, and during that time they have asked us to upload over 100 documents, often asking us repeatedly to upload documents which have already been uploaded and can clearly be seen on their website. 
The delays caused by Flagstar have led to expiry of some documents such as payoff statements, requiring us to re-obtain and re-submit these. 
As each month has gone past, Flagstar has asked for updated bank statements and other documents month by month, in spite of already having detailed financial records and tax returns for the last three years. 
They have issued multiple Loan Estimates, each having higher costs, and including unrealistic and probably untrue expenses such as {$3000.00} for appraisal of our three bedroom house. We will upload the latest three Loan Estimates and a screenshot from Flagstar Bank of the current Loan Status, and have thorough documentation. 

We have attempted to resolve these issues with Flagstar Bank directly, without success. 

We consider the demands from Flagstar Bank unreasonable and suspect that they are a delaying tactic, and that Flagstar is attempting to evade its commitments and promises. 
This behavior by Flagstar Bank does not appear to be consistent with truth in lending. 

We are aware that other potential customers of Flagstar Bank have had similar experiences.

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 2021-06-04 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: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE Account Number : XXXX This is not mine 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXate of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Company can not verify its me and/or not my name. 
Reporting with XXXX  etc.. flagged for Collection grid code XXXX XXXX collection ). 

There has been identity theft in my name and someone else have the same name that lives in XXXX XXXX, NV and other places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
My Citi XXXX XXXX  Card statement showed a charge dated XX/XX/05 from XXXX XXXX GA for {$6500.00} which I did not recognize and had not authorized. On XX/XX/XXXX I disputed the charge. Citi immediately closed my card and issued a new one. I was not provided any information about the status of the dispute until I received a letter dated XX/XX/XXXX, stating that the dispute had been closed for insufficient information. They said that they had previously reached out to me for information, which was untrue. I sent them a letter on XX/XX/XXXX asking when my account would be credited, but have not received a reply. The disputed charge is still included in my current statement, plus interest.

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