vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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: PA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: CA

Complaint narrative:
I have spoken to customer service in regards to unlocking my account to allow payments through the one time payment portal. Today I spent a long time on hold only to be transferred to a full voice mail. This company is forcing me to pay my mortgage by certified check without notice and or justification. 

This company will ignore that you exist and will make it clear that you are of no value and or concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, im reaching out to you because my mortgage company is taking advantage of my financial situation. 
As of XX/XX/2020 i called my mortgage company asking for help due to COVID-19 Shellpoint Mortgage told me that they will help me and not to worry about any charges for paying late. 

i used my savings to continue making my mortgage payments and never missed any payments. Now i found out that Shellpoint Mortgage is charging me for appraisal fees, covid-19 fees plus late fees. 

I called them to speak to a manager about this and never got a response. Now Shellpoint Mortgage is reporting that im behind on mortgage payments when i was never late. 

it is not fair for shellpoint mortgage to take advantage of our financial situation when we never missed any payments and now they are trying to charge for appraisal fees, covid-19 fees plus late fees. 

This is not fair for anyone that was affected due to covid-19. please all im asking is to help me stop Shellpoint Mortgage take advantage of homeowners that are suffering. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This 30- point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 XXXX, TransUnion, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XX/XX/2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for 30-point drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CA

Complaint narrative:
I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This XXXX point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 Equifax, XXXX, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XXXX 2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for XXXX drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX  Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
I had purchased a vehicle from CNAC JD BYRIDER located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted XXXX  XXXX XXXX and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact XXXX  XXXX XXXX and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the XXXX  XXXX XXXX claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. SO I started to contact the stores these purchases were being made at. They gave me the name of a person that works for CNAC JD BYRIDER. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and CNAC because I trusted JD BYRIDER with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only CNAC JD Byrider. After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with CNAC because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still XXXX  XXXX  XXXX have not refunded me. CNAC and their employee have stolen {$3800.00} of unauthorized purchases made on my XXXX  XXXX XXXX CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
RE : GM Financial Account # XXXX Had a 4 year lease with GM Financial for a XXXX, with perfect payment history and the account set up on Auto-Pay. I have a perfect credit file on all 3 bureaus, and have never missed a payment. 

Upon return of the leased vehicle, I was not advised of the {$590.00} return fee, and did not receive a bill for the fee. In addition, the account was always on auto-pay, which GM Financial states they remove automatically at lease return. This was also not advised. 

Received a phone call on XX/XX/XXXX from an outbound agent for XXXX, stating that there is a balance on the account of {$590.00} and explained what it was for. I advised that I would be happy to take care of the payment, and asked if I can schedule it the following week. He did not state that this was past due, nor did he advise of the actual due date. 

As agreed based on the conversation, I set up the payment on XX/XX/XXXX to be deducted on XX/XX/XXXX. 

Today XX/XX/XXXX, I received an alert on my XX/XX/XXXXcredit file that GM reported me 30 days late. Thinking it was an error, I immediately called GM Financial. I explained everything noted above, they verified the pending payment, and then I asked them to remove the 30 day late that they reported. 

After speaking with managers ( ID # XXXX and ID # XXXX ), they told me that its my fault that I did not know they removed me from auto-pay, as well as took no responsibility for their agent on XX/XX/XXXX advising that I could pay when I did. 

They refused to remove the late off of my XX/XX/XXXXcredit file, which dropped my score from XXXX to XXXX. I am in process of purchasing a home, and this will drop me to tier 2 credit. 

I need some assistance here, as the business practices of GM are both unfair and deceptive. 

Thank you in advance for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a home equity line of credit on my property through Bank of America. The balance on this line of credit is {$0.00}, having been fully paid of since XX/XX/2020. 

We are trying to refinance the mortgage on this property through XXXX XXXX, and they have told us that we need to close the HELOC account before completing the process. Right now, closing this account is the only thing delaying the completion of the refinance. 

Throughout early and mid XX/XX/2020, I tried many methods to find a way to close this account. When I called the number given on the BoA, there were no automatic options given for closing the account, nor was it possible to speak to a live person to explain my problem through any route I could find. The BoA website also gives no way to close the account. 

I submitted a help request on the BoA website in early XXXX, and never received any type of response. 

I went into a local BoA branch to ask to close the account, and they said I would have to call toi do it and gave me a number. This number took me to the same automated system as the number on the website, and I couldn't find a way to talk to a person or submit a request. 

I tried to schedule an appointment to talk with someone on the BoA website ; they did not have any opening available until late in XXXX. When they finally called me, they said they could not help me with the issue, but gave me another number to call. 

On XX/XX/XXXX, this number did get me to someone at BoA who said that they would close my account and mail me a letter to confirm that the account was closed. They said it would take 5 business days for the account to close and they weren't sure when the letter would arrive after that. 

As of XX/XX/XXXX, no letter had arrived, so I called the number again. They confirmed that they had the request to close the account in their system, and they had marked the request as resolved, but the account was still open. They said they would have the account closed in 24-48 hours. 

As of today, 9 days later, the account is still open. This has significantly delayed our attempts to refinance our home, and if it is not resolved quickly, XXXX impact our ability to get the low rate we were initially quoted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CA

Complaint narrative:
Refund credit from the merchant is not showing up on my credit card : I have purchased a product from XXXX online site, which was returned to them in unopened box within a week. They processed my return and claimed they have sent the credit transaction to my credit card bank Citi. But citbank is saying they have not received the credit transaction from the merchant XXXX. XXXX sent me their Credit Memo as a proof of refund that says my credit card is credited for the amount. I have spent over 12 hours on numerous call with XXXX and Citi customer service and billing team agents to resolve the issue. Citibank initiated a XXXX way conference call with them, me and XXXX to discuss the issue. In the call Citibank agent confirmed to XXXX that they did not receive the credit transaction for refund on their side. XXXX confirmed they processed and posted the refund credit. Both the merchant and the bank are blaming each other. Both parties wanted the other party to issue the refund and they do not want to resolve the issue on their side. 
Attached : 1 ) Credit memo from XXXX dated XX/XX/20 for the return for {$540.00} 2 ) Citi credit card transaction dated XX/XX/20 for the purchase for {$550.00} ( difference in amount due to extra gift wrapping charge )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: RI

Complaint narrative:
My name is XXXX XXXX My address is XXXX XXXX XXXX I am writing because I was locked out of my Us reliacard account, due to a change of address I was instructed to send documents I have three times The documents I've uploaded Is a lease statement A photo of of my landlord The phone number of my landlord My photo ID My w2 My SSN A selfie of me holding my id A selfie of me holding my debit card I was told it would be unlocked in 1-2 buisness days, it's now going on the XXXX I have no access to my funds I need to buy medicine I've called over thirty times The agents are all unhelpful, they all have a diffrent reason as to why the " company hasn't reviewed my documents '' I have contacted the PA unemployment office who has contacted the company on my behalf to have my account unfrozen and still no help Today was the last draw ( XX/XX/2020 ) I called at XXXX XXXX, the agent told me that they have received my documents, but they couldn't unlock it till after XXXX XXXX, and to call back then to have my account unlocked I called at XXXX XXXX, the agent who answered said there's nothing sh can do, that I should resend in my documents, I asked to talk to a manger she said there isn't any that work there. 


I am livid, they are holding my money because I changed address 's, I was forced to change address due to an eviction I have also uploaded the eviction notice I need my money to buy myself medicine to buy my self food and they have no right to hold my money on me I want this fixed right away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: NJ

Complaint narrative:
i hate to do this i like this bank but on card ending XXXX there are 2 unresolved issues. 
I disputed and redisputed 83 from XXXX i had a filthy car with mechanical problems i called the week i had the car in XXXX late til XXXX no one responded i want half my money back esp during a pandemic this is unacceptable. then the XXXX dollar charge from XXXX they had price matched me said they would send me proof of chat promising refund that i do not have proof of. so i want to REDISPUTE XXXX  hautelook and XXXX for a total of XXXX dollars. I did submit by email on line a redispute for XXXX dollars but did not receive a sheet for the XXXX dollars for XXXX. I need both redisputed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an account with Citibank. On XX/XX/2020 I logged in to Citibank online and submitted an inter-institute-transfer to transfer a large sum ( 90 % of my all of my balance with XXXX XXXX  ) from my linked XXXX XXXX  to my Citibank account. On XX/XX/2020, that sum was deducted from my XXXX XXXX  account and I was left with a small amount ( 10 % ) in that bank account. Not worrying much, as I thought the funds will be in Citibank account the next day or so. But till today, XX/XX/2020, funds never arrived in my Citibank account. I have spent numerous hours with Citibank customer service, filing various complaints, yet absolutely zero response to the date and no credit either. So I am without funds for more than a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank, closed my account after I reported issues about them to YOU. 

Now, I will be evicted, because my SSI check was scheduled to be depositied on the XXXX!!! 

I want them sued, and arrested ASAP!!!!!!!!!!!!

They can not do that to someone in my situation, I have to pay rent!!!!!!!!!!!!!!!!!!!!!!!

SHUT THEM DOWN, AND GET MY SSI CHECK ASAP!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX I co signed on a car loan through credit acceptance. But in XXXX to my understanding XX/XX/XXXX I believe it was voluntarily repossessed by the other applicant. During that time the car was sold at auction and the balance to my understanding was left at XXXX. I have NEVER been contacted by credit acceptance until I reached out XXXX of this year and asked why not only was I NOT notified about the XXXX it had accumulated in interest charges but when I asked what I could do to get it taken off my credit I was told they could take it off for XXXX that same day or I could finance another car with them. I tried to get answers as to why I was never contacted about the debt and all I was told is they reached out. The only proof I was sent was a copy of the original contact. Im very upset because they have also updated my credit report several times with incorrect information in order for it to look like a new debt and allow more time for them to force me to pay whatever amount they ask. All Im asking is for someone to review the information. I am entitled to know of any debt in my name within a timely matter. They shouldnt be allowed to wait 5 years and then ask me to pay XXXX and never give me a chance to confirm the debt or allow me to make payment arrangements when the debt is in collections from 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