vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a call from sears credit ( citi bank ) stating my account was past due ( by one day ) and if I wanted to stop receiving call I had to pay right away, so i paid with my bank card. ( canceled my card as well ) Problem solved, or not. In XXXX I applied for credit through woodmiser and was denied to low credit score, after receiving my credit report I noticed it dropped because sears credit says I missed XXXX 's payments. Yes the one I paid over the phone on my bank card. I called sears credit and they said the money was put towards the wrong account. They would refund me any late payments if they felt it was due. 2 weeks later I received a letter stating they there not doing anything about it it was reported as it should be. I called sears back talked to a manager ( eventually ) and " XXXX  '' said there was something wrong he'd have his " team '' look into it and get back to me within 3 days. That was 2 weeks ago. I disputed this the XXXX XXXX and it was deleted, now it seems im supposed to do this what the other 2 credit reporting agencies then if its not fixed by the reporting agency. Then I get turned down for credit then I have a suit against sears credit, the first words in fair credit reporting act is " fair ''. If there not responsible for there mistakes and I'm the one that needs to fix it please explain how that is remotely " fair ''. My score dropped nearly 80 points, it affects my interest rate on my credit cards. I was denied credit because my score dropped and sears doesn't have to do anything about it.

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 2021-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 I purchased Hockey tickets for my sons birthday, during quarantine, realizing that a season was not to be in the future, my son ( his XXXX XXXX account ) tried to request a refund and do something else with his money, was not getting a response from XXXX XXXX, they were not answering phone or email. 
so I continued contacting Capitol One with no response except they were standing by the terms and conditions of XXXX XXXX. 
Why is this an issue : XXXX XXXX CEO publicly announced refunds for all ticket holders, he came out with a new and improved Customer Guarantee When XXXX tried to receive a 'credit ' from XXXX XXXX, they closed his account and we have no way to receive our money back I have sent documentation to Capitol One supporting all above comments and they continuously support original response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I made a bitcoin purchase XX/XX/2021, from Cashapp. I tried to to withdraw those funds that same day as advised by my investment broker but have been prevented from doing so despite repeated attempts. Cashapp closed my account arbitrarily on XX/XX/2021. The only responses I have received from Cashapp are standard directions to access my funds, but none of those steps work. I simply want to withdraw my funds but Cashapp won't allow this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX failed to remove unauthorized hard pulls by XXXX  XXXX  and XXXX was nver investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
XXXX  failed to remove unauthorized hard pulls by XXXX XXXX  and berlin-wheeler was nver investigated

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 2021-02-19 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: LA

Complaint narrative:
We have sent plenty of letters for fraud and called several times to have all these inquiries remove. I have locked my credit because my ssn was found on the dark web I would like all these inquiries remove.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank closed XXXX XXXX car wiwuhour my notice nor fair I just got this account they raise my limit then the same week They closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NC

Complaint narrative:
My monthly DIRECT EXPRESS DEPOSITS WAS Hacked in XXXX. I filed complaint with DIRECT EXPRESS. WAS ISSUED New Card, but No Refund. I understand they suppose to give a PROVISIONAL CREDIT while investigating, but NOTHING. 
Over {$1200.00} was Hacked from my Direct Express. Please get my Money Back soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I viewed my credit file and found an account from a company I have never heard of. Convergent Outsourcing. I have never applied for credit with this company and do not know who they are. I understand they are supposed to send me written notification if they legally intend to credit report in my name. They failed. I have since written them requesting validation of this account, again, they have sent me nothing, failing in their obligations. I am appalled at their lack of communication. I am desperately trying to find someone to help me, as a consumer, it should not be this difficult to obtain information from someone reporting information about me. I have read the the FCRA and FDCPA were written to protect me from this exact thing. I have also read that ONLY YOU CAN HELP 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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
I purchased a vehicle from XXXX XXXX  XXXX XXXX in XXXX. The initial loan was XXXX for XXXX XXXX XXXX. I have paid bi weekly for the last 4 years and went to ask what the pay off would be. Bridgecrest ( who provides the loans for XXXX XXXX ) informed me today that my payoff was XXXX Even though I have paid almost XXXX on the principle loan ... I was also informed by Bridgecrest that I had a loan for XXXX which I was not informed of until today. 
So far I have paid XXXX on a loan for XXXX and I still ( according to Bridgecrest ) owe XXXX more to pay off a vehicle that. Making the total XXXX for this car. which I never agreed to. The salesman at XXXX  changed the contract from the time I agreed to the details and when I signed the contract. He rushed through the paperwork and told me it was the same that we discussed earlier while it was still on his computer. So I didn't need to worry and I could trust him. The contract that I agreed to was for XXXX with interest. APR 20.14 % Now according to Bridgecrest even if I pay off the XXXX that is left on the principle I have to pay and additional XXXX for interest that has not accrued. I tried to fight this before and gave up because their tactics are very shady and intimidating. I am a XXXX year old man that needed a vehicle to go to and from work. XXXX XXXX with the assistance of Bridgecrest have basically stolen thousands of dollars from me and are trying to make me pay XXXX more because I am trying to pay off the loan. Please help 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 2021-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I applied for a Home Equity Loan with Regions Bank on XX/XX/XXXX XXXX 
The application process was absolutely brutal including not only submitting multiple years of tax returns and W-2 's and the expected application and financial disclosure forms but also federal tax information release forms, paystubs, bank account statements, rental agreements, property insurance forms, flood insurance forms, etc I also needed to go through two appraisal processes when the first appraisal estimated the square footage of my home at XXXX less than actual. 

After months of submitting information two weeks ago only a final form was needed which was the Flood Insurance certificate with my name on it. But while the insurance company was working on this the entire loan application was cancelled (! ) that's right, CANCELLED without a word of warning because apparently an application is cancelled once it is three months old (?! ) Now I am being asked to start completely over submitting the EXACT same documents that took months for me to submit and for Regions to review. To say that this process is 'not fair ' to consumers is an understatement.. this is literally consumer ABUSE. Please do not bail out this bank the next time they are bordering on bankruptcy.. they don't deserve the help and consumers don't deserve the abuse.

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 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I used CFPB XX/XX/XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low XXXX by SOUTHEAST TOYOTA FINANCE. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XX/XX/XXXX8 ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX ). 

Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XX/XX/XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX  YEARS. 

On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client World Omni Financial Corp. d/b/a SOUTHEAST TOYOTA FINANCE has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & SOUTHEAST TOYOTA to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. 

In conclusion, SOUTHEAST TOYOTA DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my XXXX years in XXXX  XXXX XXXX WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My problem began when XXXX XXXX transferred my mortgage to Specialized Loan Servicing. When Covid hit the problem became a nightmare. I applied for a forbearance loan in XXXX of 2020 and after 10 months of constant phone calls and letters I finally refinanced with another company. This was the only was I could afford to keep my house. Specialized Loan Servicing mishandled everything from beginning to end. Paperwork shows that all documentation was received and yet they also sent notice of intent to file foreclosure. The majority of people in this country were able to have the payments during forbearance tacked on the end of their loan. What I got for missing three payments of Principal and Interest was a balloon payment of {$29000.00}. tacked on the end of my loan. They manipulated everything that began as a forbearance to what they then called a deferment to what became a " modification '' of which I did not sign or approve. 

In addition to this when I finally closed with a new lender, they overcharged me interest for an additional 21 days after closing and hit my credit.

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 2021-02-19 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: FC HoldCo LLC
State: OH

Complaint narrative:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. In the letter received, the company says about Ms XXXX XXXX, but I'm not Ms , I am Mr. XXXX XXXX. So I come to a conclusion that I was provided with the false information ( See attached letter ). Also I have no recollection of doing any business with FLAGSHIP CREDIT ACCEPTAN LLC.

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 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX a request was submitted to my credit card issuer, XXXX XXXX XXXX XXXX, to remove an authorized user from my account. This was confirmed complete on XX/XX/XXXX. The authorized user that was to have been removed mentioned in XX/XX/XXXX that the information was still being reported on their credit report. I again reached out to the issuing bank who once again confirmed that the authorized user had been removed. In XX/XX/XXXX, the authorized user advised of their knowledge of a credit line increase that I had received on said account, which again confirmed that my information was still being reported to the credit bureaus on this person 's behalf. I contacted the issuing bank again on XX/XX/XXXX and again was advised that the authorized user was removed and it was suggested that the bank and I " double-team '' the credit bureaus to have this information updated. I was able to successfully file disputes with XXXX and XXXX, however Transunion refused to do so advising that the authorized user would have to file a dispute to have the account removed from their report. 
This person is not going to dispute the account to have it removed from their report as it is positively impacting them. I do not have a relationship with this individual and do not want them having updates on my personal account 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 2021-02-19 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I lost my wallet and on XX/XX/XXXX someone made two purchases for a total of {$910.00}. I immediately called the bank and was advised that because the funds were pending and had not posted, they couldnt do anything. I called on Monday and they said because of the Holiday ( XXXX XXXX ) the funds still hadnt posted. The funds didnt post until Wednesday XX/XX/XXXX and by then my account was already - {$72.00} due to bills and a {$35.00} negative funds fee. By this time I had called 5 times and had spoken to multiple representatives that I did not intend to get an immediate resolution to my issue, but I did NEED my funds due to bills and being able to care for my family. On their website they have a XXXX liability policy which they did not adhere to claiming that they had to abide to their claim timeframes. Its now Friday XX/XX/XXXX, my account is - {$570.00} due to bills and I have yet to receive any temporary funds. It is unfair that my card was stollen and I am being held liable. I am working class and I can not wait 10 business days for my account to be credited.

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: NY

Complaint narrative:
Received a letter dated XX/XX/XXXX that I was short in escrow by XXXX and my payment will go up XXXX a month. Called no one answers. Spoke to XXXX on XX/XX/XXXX she said she could spread balance out over 48 months. Not the answer Im looking for as I am not short in escrow. I had a balance of XXXX in escrow. I told her if they charged me this amount there would be an excess of XXXX at the end of the year. She said they could only keep XXXX in account at end of year. XXXX said to speak to supervisor XXXX XXXX. Left her a message she never called me back. XXXX said XXXX would call back in 48 hours. On hold multiple times over the course of the next few days sometimes 2 hours plus and no one answers. Spoke to XXXX in XX/XX/XXXX she said XXXX is working in escrow account. Requested trust ledger from XXXX XXXX ( my loan was transferred to Gregory funding on XX/XX/XXXX ) escrow balance at time of transfer was XXXX called on XX/XX/XXXX and XXXX stated it could take a month. Called on XX/XX/XXXX and no one answers your just on hold over a half hour. My current escrow balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
XX/XX/2021 - online application was solicited for HSCB by XXXX XXXX via email XX/XX/2021 - application was submitted to HSCB online XX/XX/2021 - documents were submitted online to verify income and banking information XX/XX/2021 - phone call with HSBC to review income verification with request for additional information. 
XX/XX/2021 - call returned to HSBC to verify employment information. HSBC stated no additional employment verification was needed at this time. 
XX/XX/2021 - additional income verification submitted online based on the XX/XX/2021 phone conversation. 
XX/XX/2021 - email received stating loan had only 2 days left to submit the required information. 
XX/XX/2021 - email received stating loan declined due to failure to verify employment " Unfortunately, we are unable to approve your Loan Application due to the following reason ( s ) : We are unable to verify your employment '' ( attached ) XX/XX/2021 - phone call to HSBC resulted in response that all loan decisions are final and this employment verification error can not be revisited and that no application could be considered for 180 days. HSBC employee would not transfer me to her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: FC HoldCo LLC
State: CA

Complaint narrative:
I have really struggled during covid I have made my payment noted some were not over 30 Days late but flag ship credit acceptance has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and XXXX no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out

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