vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I have already tried getting help here but I am trying again because it is unfair what is happening to me. My ex boyfriend added himself onto my cards and then used them to charge on. I DID NOT EVER ADD HIM ON. When I discovered he was on them I asked Citi bank to remove him and they failed to do so. however, I never added him on in the first place yet they are still holding me responsible for the charges he made. I never ever authorized him to be on any of my accounts! How can I be help responsible? Its completely unfair and fraud! I even made a police report and they dont care!

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: SD

Complaint narrative:
This is the second time Ive had to deal with Checkr having incorrect information on my background report. I have filed many complaints to them and they do not investigate the inaccuracies. This has resulted in my inability to work for several months. I can not get anything other than form responses back. They are way past the 30 day requirement to work on this. 

They claim to be waiting in county records. The counties claimed, Ive never even been to the States they are in. It is clear they have collated someone elses records with mine, but refuse to investigate my complaint. So I took it upon myself to contact those counties and both reported Checkr was lying to me. Both reported there are no records whatsoever and they havent received a request for records on me. 

In review online of other complaints against the company, it appears they do an investigation when a complaint of inaccurate information is filed. Based on my research, Ive found that I am the sole example of them refusing to conduct an investigation as required by law. The only difference between me and others they are conducting checks on is that I am XXXX. It is the single difference I can find. At this point, the second time this has happened, I believe the company or employees are discriminating against me do to my XXXX. I have no criminal record. Its been approximately 60-90 days this process has been ongoing, with no attempt by Checkr to do as they are required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I received a notice that my beloved Simple banking account that Ive never, ever had issues with was transitioning to a BBVA account. Over the subsequent months, I received assurances via email that the transition would be seamless, with the final piece of the transition ( the only customer-actionable step in the process ) being that starting on XX/XX/2021 I, as a customer, would cease having access to my Simple checking account, would use the link emailed to activate my BBVA account- also could be done through the app- and I would immediately have access to my new account, my money, my account numbers, everything. 

In the unnecessarily complex process it took to try to activate my BBVA account on XX/XX/XXXX, it would not allow me to. I am unsure if I even successfully created a user name and password. And the attempt to sign in on either the website or in the app has locked me out of my new- and only- checking account. I can not look at balances. I cant attempt to transfer funds out of it. My account and my money are being held without allowing me any access to it at all. I have tried calling customer service for hours today, as the notice on the website says, to only get a our system is down, call back later message. 

BBVA had at least 4 months to make this transition easy. They couldve given us at least a few days where we could access both accounts, instead of completely nullifying our Simple account while also preventing us from accessing our new BBVA account with no way to seek resolution about it for going on 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
I refinanced a loan from Roundpoint to XXXX XXXX XXXX XXXX bought out Roundpoint so, effectively, they are the same company/entity. 

The payoff quote was pulled on XX/XX/XXXX and that is what they based the loan on - the balance on XX/XX/XXXX was {$210000.00}. The loan was to close mid XXXX so I I made a payment to Roundpoint for XXXX in the amount of {$1400.00} that posted on XX/XX/XXXX - the day after the payoff quote was pulled. As such, that payment was never applied to the new loan nor refunded to me. 

Roundpoint owes me that XXXX payment back. 

In addition to the missing payment, they have added on {$1600.00} in interest to the loan amount. 

On XX/XX/XXXX, the balance on the Roundpoint account was {$210000.00}. Interest of {$1000.00} was added into the loan amount bringing the total to {$210000.00}. This amounts XXXX for XXXX days they will not provide the dates this interest is for? 

In addition to the interest included in the payoff amount of {$1000.00} XXXX as shown above ), there is additional interest of {$370.00} added at $ XXXX, bringing the loan total from {$210000.00} to {$210000.00}. This amounts to XXXX days - they will not provide the period/dates this is for. 

In addition to the interest included above XXXX {$1000.00} and {$370.00} XXXX, I am paying additional interest on the new loan at $ XXXX from XX/XX/XXXX - XX/XX/XXXX totaling {$290.00}. 

I've made numerous calls to Roundpoint to straighten this out and they have not been able to explain or provide a breakdown of the loan, transferring me to more people, disconnecting my calls, and having me contact XXXX, who has not responded to my queries prior to closing the loan nor the loan balance, the disbursements, or the escrow, etc that explains how they arrived at the loan amounts. 

In addition to the above, I was told by customer service that the loan amount paid to Roundpoint by XXXX XXXX was different than any amount listed above.

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 2021-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
i leased this vehicle directly from a KIA dealership in XXXX. The vehicle is financed through Kia Motors Finance ( a/c # XXXX XXXX. For the entirety of the lease term the vehicle has been registered in the State of XXXX a few months ago Kia Finance sent me a statement indicating that I owed Texas personal property tax. At taht time, i called Kia Finance and explained that the car is registered in XXXX the rep requested that I mail a copy of the XXXX registration to Kia to rectify the matter. I complied with the the request. Now I see that Kia has reported me to the credit bureau for the unpaid tax. i called KIa but was unsuccessful getting through. I want my credit report repaired and the tax be removed from my account. thanks

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am writing this letter to file a complaint against Citizens Bank. I applied for a mortgage with Citizens all the way back in XX/XX/2020 and I am still waiting to close the loan so that I can use the cash for my project yet the bank is stalling the process by constantly telling me that I am almost there without giving out any details or properly responding to my messages. Most messages to my loan processor are not returned. I could have worked with another bank if they honestly told me that it would take longer than 6 months to get a mortgage from Citizens but I have wasted many months waiting for them to close this loan so that I can move on with my life. 

The loan officers try to make your application look as if you just started the process in order to make the back log numbers under control by telling customers that their file has just been completed months after the customer 's original application date. 

If you audit this bank you will also notice that they have a long back log of customers waiting for an approval since they have very poor IT infrastructure. It is very common for them lose your documents and and ask for bits and pieces of documentation although I have provided the same document months ago. 

Institutions with poor infrastructure like Citizens are slowing down flow of credit to XXXX consumers despite tremendous efforts our government has provided in order to prop up the XXXX economy. However credit is being held up by institutions like this due to poor management and poor infrastructure. 

I have significant amount of documentation I can provide to show how poorly managed the underwriting process is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: WV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
CFBP Complaint XXXX : Three years ago, XXXX, I signed a legal document with XXXX XXXX XXXX since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with Equifax twice and they have not done so. They say they are reporting what XXXX is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with Equifax. It was XXXX and then it went down to XXXX because Equifax stated that XXXX was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that XXXX said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

Equifax is incorrectly computing my score and evaluating my credit. XXXX XXXX XXXX is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my XXXX accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the XXXX student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/2021 Harris LTSD added a derogatory mark on my credit report XXXX XXXX XXXX XXXX XXXX per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Harris LTD has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a HERO loan taken out with Renovate America on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, is the third party who prepares the calculations, at XXXX, option 2 then 1. 

The issue, I have made several prepayments. The first prepayment was on XX/XX/XXXX. In accordance with the contract, I was not charged any fees. 
The second ( XX/XX/XXXX ) and third payments ( XX/XX/XXXX ) I learned recently contained fees XXXX contract was not amended, fees were taken from the amount of the prepayment ). 

On XX/XX/XXXX, I made a fourth prepayment. I did not receive a receipt of payment and called today to ensure the funds were received and applied. I also want the current balance. I was told that I could not get a receipt with the updated amount that is owed. I would have to request and pay {$50.00} for another payoff statement. I stated that I did not want to make another payment at this time, I just want to know what is the balance of the loan. The representative stated they can not give me that information. He only had access to the balance as of XX/XX/XXXX. He acknowledged, the 4th prepayment was received. 

Should I not be able to receive my current loan amount without having to pay for it? 

Thanks.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 I applied for credit from XXXX. They denied my request based on a report from Experian. 

The report said : 1. SERIOUS DELIQUENCY 2. % OF BALANCE TO HIGH CREDIT ON BANKING RELVOLVING OR ALL REVOLVING ACCT 3. TIME SINCE DELIQUENCY TOO RECENT OR UNKNOWN 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. 
1 is false, 2 is partially true, 3 is false, and 4 is false. All my accounts are paid as agreed with zero lates.

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello my name is XXXX, I have been working with this company for 7 years, I am very happy with your services. 

My account is : CAPITAL ONE BANK USA NA, Account number : XXXX Date Opened : XXXX XXXX, XXXX ( 6 yrs, 7 mos ), Credit limit : {$25000.00}, Account status : Open, Type Business : Credit Card. I've never been late ; I have a good payment history that endorses my claims.

I was on auto pay, but the Capital one system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount I had to keep on changing as the minimum payment changed. Then Finally when I didnt get internet access, the Capital One account was locked, I tried to get Capital One to send website log, and Capital One has refused to do so.

I have been through a lot or this late payment on my credit reports. This matter has a simple solution. I am requesting that Capital one deletes/corrects the XX/XX/XXXX late payment from my account and a notice sent to the credit bureaus. 

I believe that we can continue to work together and continue our fruitful relationships. I would be happy and grateful if you could give me a positive response on this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
AmeriHome by far the worst mortgage company i have been working with. Since i lost my job due to Covid 19 which has been over a year I have been Faxing and emailing all paper work that has been requested and i have been told over and over they need more paper work which has been the same documents over and over today i call after speaking with one of there agents that deals with FHA loans and staying they needed one more document that i send that same day to be told today that my case was closed. Is there anything i can do. Can i change companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX CREDIT BUREAU COMPLAINT : There is a Unknown yet validated account reporting with a partial reference/account number # XXXX which I have been advised by legal counsel is out of compliance with the FCRA XXXX I XX/XX/2020 I contacted the Fair Trade Commission in regarding a suspicious and unknown account found to be reporting on my credit by Equifax. After numerous written requests to remove the inaccurate information I mailed the furnisher and included written Notice to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA. The federal Fair Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). I received no reply and subsequently with advise by the FTC to contact the bureau still reporting the inaccurate fraudulent account therefore, I wrote letters to Equifax detailing the ID theft on XX/XX/2020 and again XX/XX/2020 I advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax by the unknown furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
The company is Harris & Harris and they identify themselves as a debt collection agency. The phone number they leave is XXXX. 

This company has been calling me a few times a week and continually over several years. I havent, and have never had, unpaid debt. No indication is given as to the source of the debt they are per ported to be calling about. They have never contacted me by mail which leads me to think they are robocalling. I contacted them once but this never stopped. If I had unpaid debt lingering out there, there would have been legal action taken years ago. I think this is a fraudulent company trying to intimidate and take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: National Credit Systems,Inc.
State: UT

Complaint narrative:
National Credit System is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If National Credit System is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company response to consumer: Closed with explanation