vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Uplift, Inc
State: TX

Complaint narrative:
There was a credit adjustment made on my account on XX/XX/2019 according to XXXX, I contacted the department multiple time regarding that adjustment, believing that it should cover 2 payments, I spoke to Uplift multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It wasn't until our conversation in October where I finally received a clear explanation as to what happened through a follow-up call with an employee. She expressed management almost chewed her head off for asking about the adjustment again, stating they had resolved this issue. The problem was that no one actually emailed me back or called me to let me know why there was a difference in payment. Then I realized that the refund they received XX/XX/XXXX was not applied until XX/XX/2019. This caused there system to generate an over 30 day payment delay in my credit report. When I contacted them about removing the late payment, as the adjustment should have applied prior to that, they said there was nothing they could do and the system did not recognize it as a payment. I do not agree with their answer and I am very dissatisfied with the length of time it has taken to resolve the issue that led to this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Roycroft Management
State: NJ

Complaint narrative:
We called the main lender and they said we dont have any open accounts that are past due or in collections. The lender was why not lease it

Company response to consumer: Untimely response
Consumer complaint received 2019-10-24 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
I signed a loan/contract for home repairs with a contractor that subsequently caused damages to my property and did poor quality work in some areas.

When I filed a complaint with the finance company they were provided all the necessary details, ex. contracts, pictures of the damages etc. and a complete write-up of events.

However, they have since closed the complaint without providing me the investigation results/report or any recommendations to recoup my losses from the contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home loans, inc., is reporting to all three credit reporting agencies 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX, that I have ( 2 ) two ( 30 ) thirty day lates. This is simply not true. I pay my mortgage on line on their site within the ( 30 ) thirty day billing cycle each month. The first ( 30 ) thirty day late was reported in XX/XX/2019, when I made my payment on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 making it appear as though I was more than ( 30 ) thirty days late. The second time I paid my mortgage on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 which is still within the ( 30 ) thirty day  billing cycle. Caliber Home Loans is making a pattern of this behavior intentionally reporting erroneous information to the credit reporting agencies, damaging my credit and ability to refinance my home with Caliber or any other lender. I have written to the California state attorney general about the first incident in XX/XX/2019 and Im going to write another letter concerning this second incident in XX/XX/2019. This practice and behavior of reporting erroneous information to credit reporting agencies is damaging to me and it inhibits me from moving forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
NavyFederal mortgage loan process. 

1. Communication - from the get go no clear communication was established to let me know what step of the loan I was at. Every time I emailed the Loan officer and/or processor, I have had to call the main NavyFCU number get routed to mortgage department then see if they can put me through and send in an " Urgent '' message to them and their superivsor. This is the only way I have gotten responses.

2. Document portal - The fustrating this is that hey have 3 different portals and seems to me like they do not share information with each other or they do not have access to these different portal documents. I submitted documents for my loan closing ( which has been extended 3 times ) in which they said they never received documents, but in fact were uploaded 3 weeks prior to the first closing date and I screenshot the documents.

3. Customer Service - Very incompetent loan processor. From the first extension did she not mention one part on where to upload the document if she couldnt see them. I also emailed them to the loan processors email directly and yet she kept asking me for the same documentation. Very fustrating.

My last time with Navy Federal period. I will be transferring all my assets and refinancing after a year to another bank. No more business from me. Period. Im still waiting on the fourth extension of the closing date on my loan to close on the house ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
I have provided documents for months to support the requirements to process a loan modification with Freedom Mortgage. The loss mitigation package was accepted as complete XX/XX/2018 followed by requests for a pension award letter, there was no pension and I called to discuss the issue. I sent multiple notice of error requests and information requests to the specific notice request address without response. The loss mitigation package was denied because there was no pension support. I provided detailed information on what is covered by a 1099R and provided the retirement account distribution support. The employees refused to ever discuss the letter denying it was ever sent. The employees refused to provide any or all options available that would cure the default. The employee XXXX promised if I provide his requested forms that the loss mitigation would be processed without issue. The staff does not appear to understand the documents that they are responsible for processing.

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 2019-10-24 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: Atlanticus Services Corporation
State: SD

Complaint narrative:
Credit card charged me with more than XXXX $ fraudulent transactions that don't belong to me they overdraft me and raised my minimum payments and keep adding interest to the whole available credit I contacted credit card company about it and they wanted me to do an affidavit which they supposed to send it to me in the mail and they been lying about sending it. Idk what to do they ruining my credit score went down 50 points because of this issue. They not doing anything to help me. Instead they keep adding charges to my account. This company does have a very high annual fee and they known for scamming people please I need help with this matter thanks. Fortiva credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Payment for a paper check for {$100.00} was debited twice from my Citizens Bank account. 
<line break> The first debit on XX/XX/2019 was an electronic transaction with description : <line break> Preauthorized Debit # XXXX <name of payee> Check # XXXX XXXX XXXX <line break> The second ( the duplicate ) debit on XX/XX/XXXX was a traditional payment for the paper check with description " check XXXX '' and a full image of the check. 
<line break> Although both debit transactions were correctly coded with the check number, account number and amount, Citizens failed to detect the duplicate debit or flag it as suspicious. 
<line break> After I reported the problem, Citizens researched the issue and issued a credit about three weeks later. 
<line break> If this amount had been substantial and I was a person of more modest means, my cash cusion could have been wiped out and various fees assessed.

<line break> Banks should not be permitted to place the burdon on their checking account customers to find and report erroneous duplicate debits when their systems could easily flag the suspicious transaction. Citizens failure to do this implies an intent to collect improper fees from customers who fail to identify the bank 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2019-10-24 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: AZ

Complaint narrative:
Experian decreased my FICO for no reason. My accounts so paid as agreed. I paid off an account but replaced it with a new account so points would not be deducted monthly for lack of accounts. They decreased my score from Good to Fair for no reason. It is impacting my ability to get better employment. I am injured because of their deceptive practices.

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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Hi, I am reopening a prior complaint XXXX Citibank failed to properly codify the Tax Status in my Savings Account. As a result the began to wrongfully withhold taxes. I spent an entire month resubmitting the documentation and calling Citibank to correct this error. Citibank kept ignoring me and claiming they had not received any documentation for the entire month. 

I opened the complaint mentioned above, and Citibank quickly found and processed my requests. Thy responded as part of the resolution they would be refunding me back the taxes that were wrongfully withheld. 

But now that they complaint is closed, they are not complying with their commitment or resolution. In their response they agreed to refund me back by XX/XX/19. No refund has been received. I have been calling them daily to inquire about this matter. But they keep mentioning I must wait until next year and request the reimbursement from the IRS. This is illogical. I am a XXXX XXXX resident and do not have the requirement to file a tax return with the IRS.

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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I've repeatedly filed a dispute about incorrect information reported by a utility company to Equifax. They don't complete a full investigation ( I have loads of documents, emails, and even tracking slips showing equipment was returned ), and when I file a dispute they allow the utility to report the charge-off/delinquency with the current date, significantly damaging my credit. 

My credit report is otherwise pristine, and this has significantly limited my access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Friday, XX/XX/XXXX, rec 'd fraud alert fr BoA ; texted last transaction legitimate. Block not removed ; called, advised wait time long, would call me back. Bank called back, call immediately disconnected. I immediately called back, learned long wait time, hung up as I was at work. Went to branch same day ( XX/XX/XXXX ) XXXX XXXX appt, branch called Fraud Dept. Block removed, used ATM, went up street ; card declined. Now after XXXX XXXX ; branch closed. Called Fraud Dept yet again, reached someone, call disconnected. She called back, said they couldn't figure out what wrong ; put on hold so long call rerouted to main number, I hung up, they never called back. Next morning XX/XX/XXXX went to branch AGAIN, withdrew all . Card still blocked ; on XX/XX/XXXX WENT TO BRANCH 3rd TIME IN 5 DAYS. Branch called Fraud Dept 3RD TIME IN 5 DAYS. Block allegedly removed. Next day XX/XX/XXXX card blocked again ; guy in Fraud Dept said he'd see if block could be permanently removed. On XX/XX/XXXX card still blocked ; branch advised only thing they could do is issue new debit card. Called Fraud Dept same day ( XX/XX/XXXX ) ; tried using debit card online while waited on phone ; card still blocked ; Tech Support advised " didn't see any transactions since XX/XX/XXXX '', that card not blocked, yet still doesn't work. IT IS NOW 7 DAYS IN A ROW I HAVE ONLY BEEN ABLE TO ACCESS FUNDS BY GOING TO TELLER AT BRANCH, AND I DON'T OWN CAR. Advised Tech Support I would be filing CFPB Complaint. I just recently filed/resolved CFPB complaint ( # XXXX ) and wondering if this is retaliation for previous CFPB complaint.

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
this is a very old debt that was bought by a collection company and they call me XXXX and XXXX  and i cant even talk to them except to tell them not to ever call me again and the next day they are calling this acct was closed years ago they are pests and driving me crazy they need to be stopped all my credit acctstoday are paid on time XXXX XXXX has helped me double my credit score in 3 months or lessshould be over 800 now XXXX was XXXX  thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I reported lost debit card onXX/XX/XXXXdiscovering multiple atm unauthorized withdraws. My bank has still not refunded me. Wells Fargo bank has charged me more additional overdraft fees on both my accounts due to these transactions. I am not able to get any 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 2019-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX with from XXXX XXXX with XXXX miles on the odometer at time of purchase for {$23000.00}. Financing was provided by Capital One. The manufacturers warranty on the power train was spoken of as still effective till XXXX miles. All of the contracts that came with this purchase showed as is manufacturers warranty only. Further investigation shows that manufacturers warranty is only available to original purchaser. 

The vehicle developed an issue overheating and needed servicing on XX/XX/XXXX. We had the vehicle towed to XXXX XXXX in XXXX and had the diagnostics done. It originally was an issue with a cracked radiator cap and then the thermostat needed replacement. When these repairs were done they found gaskets needed replacement. This came to {$3800.00} total and took 2 months to get parts and then it was found that there were metal shavings found in the cylinders and that these would need replacement. This brought the total to {$6200.00} and once this work is done other problems may still be found. I contacted Capital One Auto Finance to see if we might be able to refince our loan I contacted XXXX customer service and put in an assessment for help with these repairs due to the young age of the vehicle and after a couple of weeks I was notified that there was no help available from XXXX XXXX. 

I am unable to find any way to pay for this repair and only see myself paying for this loan which is currently around {$16000.00} and selling this vehicle to a junkyard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
BrightLending is not licensed in the State of Indiana. I requested to stop payments and refund the difference in what I was told I needed to pay and the actual amount. When I notified the company, they stated tribal laws do not apply to states. They are not located in Indiana nor licensed in Indiana but continue to harass and will not refund the difference that I was told I needed to pay and what I actually paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation