vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
This is a follow-up of my previous CFPB complaint ( Complaint Number XXXX ) against Citi Bank for not honoring their promise of {$200.00} cash bonus after I opened a checking account with Citi and fulfilled all the requirements to earn that {$200.00} cash bonus. After I submitted my previous CFPB complaint ( Complaint Number XXXX ), I received a letter from Citi Executive Response Team, which is quoted below ( I have attached the letter with this complaint ). 
" You recently reached out to the Consumer Financial Protection Bureau regarding your concern about Citi, and weve reviewed your request. 
We understand your concern regarding a promotional offer for opening the above-referenced account, and we regret that misinformation was previously provided concerning the promotion. Our records indicate the account is linked to the offer XXXX ; however, as disclosed in the terms you included in your complaint, credit will be applied within ninety calendar days from the date you complete the required activities. The required deposit was made on XX/XX/XXXX and has been maintained the required 60 days. Therefore, a {$200.00} credit will be applied on or before XX/XX/XXXX. We regret any frustration this may have caused. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. '' The letter promised that a {$200.00} credit would be applied to my account on or before XX/XX/XXXX. Today is XX/XX/XXXX, I have not yet received the {$200.00} credit in my checking account. When I called Citi customer service, I was told that they needed to investigate this case again for a number of days. I think it is one of their deceptive practices to not honor their terms. They need to be stopped and exposed. 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 monetary relief
Consumer complaint received 2021-04-29 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: GA

Complaint narrative:
Document submission for complaints : XXXX # XXXX, XXXX # XXXX, EQUIFAX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: PA

Complaint narrative:
On Thursday, XX/XX/XXXX I called Transunion and was transferred to the fraud department to help me with my problem I noticed on my credit profile. I notice two unauthorized inquiries that I did not authorize. According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed! The agent by the name of XXXX XXXX said that and I repeat the system will not allow him to dispute inquires and that FCRA is incorrect. Inquiries mean that I applied for something.

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 2021-04-29 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: GA

Complaint narrative:
Document submission for complaints : XXXX # XXXX, TRANSUNION # XXXX, XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba HomeLoanServ. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.

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 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The legal interest rate in New York is 16 percent. This loan is 22.09 percent. This company has committed civil usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: WI

Complaint narrative:
I have called several times to Experian on the number listed on their Website under contact us. Every time, including today XX/XX/21, I get an inept Customer Service Rep that puts me on hold then hangs up on me. All I'm trying to do is fix the Information on my Experian membership to correctly reflect my true Bank Accounts. 

Worst Customer Service experience ever, never can get a competent human to address the issue.

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 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
This complaint is response to CFPB complaints XXXX, XXXX, XXXX, XXXX, and XXXX. 

Western Union continues to stonewall my complaints. Their response to my latest complaint ( XXXX ) is again wholly irrelevant. It fails to mention anything specific to my complaint involving a transfer to XXXX XXXX XXXX XXXX. Instead Western Union strangely continues to talk about XXXX XXXX XXXX. 

I beg CFPB to actually read the complaints and compel Western Union to respond to the specifics of my case. It seems that CFPB is content to close the complaint upon receipt of any response from Western Union, no matter how irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Two transactions totaling {$1100.00} I process the card payment for customer. Then my account is blocked and I am told they will no longer do business with me I can no longer access my account and it is impossible to reach anybody I talk to one person on the phone finally and they said to me that somebody would get in touch with me the email and I have sent many many emails since then nobody has contacted me back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am a XXXX XXXX for XXXX XXXX XXXX which means, social security number is my EIN and I am not required as a XXXX XXXX to have an EIN nor do I have to have an articles of organization or a business bank account. I do not have any employees I'm the XXXX XXXX for XXXX XXXX. I have a Chase Bank personal account and my XXXX  funds went into my Chase personal account and Chase Bank froze my account and demanded I give them an EIN number or a letter notarized on letterhead from a CPA. I told the bank that I am not required to have an EIN because I am a XXXX XXXX. I had to hire a CPA to give me a notarized letter stating I am a XXXX XXXX to give to Chase Bank. I got the notarized letter from a CPA and Chase Bank still refuses to release my XXXX funds. Chase Bank has done this to every XXXX XXXX who has a personal bank account with them. XXXX XXXX DO NOT have to have a business bank account only LLC and CORPORATIONS NEED TO HAVE BUSINESS BANK ACCOUNTS. I explained this to the loss management at Chase and they refuse to release my funds. Federal Cares Act do not require XXXX XXXX to have a business banking account because I/we are XXXX XXXX XXXX and our social security numbers is our EIN. There I need a resolution asap! This is absolutely ridiculous and insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Allied collections continues to report an {$88.00} debt to equifax despite the fact that I paid the original creditor, XXXX XXXX. XXXX XXXX has provided proof of payment and attempted to contact Allied. I have contacted them and provided proof as well. I have disputed the collection through equifax multiple times and had it removed, however Allied continues to report it and it shows back up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
Someone tried to get students loans in my name I called soon as I get the alert they stated it will be removed and its still reporting to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My husband and I refinanced our mortgage XXXX of last year wot NewRez Mortgage services. Our old mortgage was with NewRez and new mortgage is with them. So this should have been a rather seamless refinance. XXXX was our first payment with the new account. Since our payment was auto-draft, we inadvertently paid our XXXX mortgage to the old account. Well, every since that has happened I have been trying to reconcile the mortgage with NewRez. I've been calling them every month because they continue to show that my mortgage is behind a month and I have been incurring late fees. When I call and speak to one of the representatives, they say that they see where we paid the XXXX mortgage to the wrong account but they can't move the payment over to the new account. Every month that I've called since this has been happening, they say they will mail the XXXX check to me so that I can apply it to my mortgage and solve the issue. The check is never mailed to me and now my credit score is declining as a result of the late fees month-over-month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NC

Complaint narrative:
Had requested relief from student loan payments with AES ( American Education Services ) due to COVID ( my wife was not ale to work and our Household Income was reduced dramatically ) going back to XX/XX/XXXX Was on what i thought was the Federal Relief Program when legislation was passed along with the Stimulus Payments. Was told that I was eligible for a Forebearance and was on one fromXX/XX/XXXX throughXX/XX/XXXX Was sent letters about the Forebearance expiring but if I was still having difficulty making payments due to COVID to call and inquire about further assistance. Was told back in XXXX that I was not under the federal program since this loan did not qualify under the recently passed CARES Act but they would submit my request via phone to do a Natural Disaster Forbearance Extension which was the original plan fromXX/XX/XXXX I received a letter dated oXX/XX/XXXXthat I was no longer eligible regardless of COVID so I called back in to see what relief I could get since my wife was still unemployed. Was told again that they would submit a repayment plan option and see if that would work and received an email on XX/XX/XXXX about the COVID related Forebearance may be ending soon???. I called back in and they stated again that they would submit my request via phone. Shortly after I received notification that my credit score dropped 50 point sand was reported 60 days past due by AES. Called back in to AES and spoke with a rep about disputing the credit reporting as well as eligibility for a 90 extension as part of the COVID situation. Was told to keep checking the website over the next 7 days to see the status of the relief program and at one point saw that here was no payment due. 
Received a denial letter on XX/XX/XXXX about the credit dispute ad just received an email stating that I'm now more than 90 days past due and I still owe the current monthly payment. THERE IS NO CONSISTENCY AS TO WHAT YOU ARE BE BEING TOLD OVER THE PHONE AND THE SPOOTY ELECTRONIC COMMUNCIATION THEY POST ON THE SITE OTR SEND VIA EMAIL. My credit score has dropped over 100 points, My wife is still not back at work and I am having difficulty paying this monthly bill. Hopefully able to resume as things start getting back to normal and my wife resumes her business in the summer. 
Pleasehelpo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX we mailed a forbearance extension request for our CARES act XXXX XXXX mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. We called to follow up with Loan care on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. We are currently in an active CARES Act mortgage forbearance plan with LoanCare/XXXX XXXX and are requesting an extension to that forbearance. Our hardship has not been resolved. We have not received any communication regarding our multiple requests for extension. We would like to receive written notice of our mortgage forbearance extension under the CARES 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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Currently, Iam a XXXX XXXX XXXX XXXX XXXX who filed for a XXXX loan to further my XXXX XXXX XXXX. Using Chase bank, I received my funds and were told that the funds were available for usage in the account, but when I went to the branch to use the money that is a loan, that I am paying interest on is not accessible. They said it was restricted saying I needed to call I have spent over 6 hours on the phone with Chase only to be hung up on all 3x. Now the money that I am approved for is in my account, but now the services and business items I needed for my work i am not able to use due to some mysterious restriction that they cant explain. I want my money that I have been approved for so I can handle XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Unauthorized and unverified inquires put on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: CA

Complaint narrative:
I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

Experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX, ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca, XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX is the only one that had deleted the inaccurate 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 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
They are reporting an account that I do not recognize. The Caine and Weiner # XXXX {$800.00} and XXXX XXXXXXXX # XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, XXXX is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for XXXX  to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.

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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
On XX/XX/2021, a check to the Internal Revenue Service in the amount of {$2400.00} cleared my checking account, as shown in the online balance. I want to print a copy of this cancelled check to ensure that I am able to demonstrate it was paid. Unfortunately, Capital One has CEASED the functionality of being able to view or print a cashed check -- a problem exacerbated by the fact that they do not provide check images on bank statements. ( This is a Capital One360 INGChecking account. ) When I first called to complain, I was told this functionality no longer existed ; later I was told it was in the process of " being fixed. '' It's been at least two weeks and it has not been fixed. 
Moreover, when I called to ask for a copy of the cancelled check, I was told it would be mailed right out. It has been a week and the copy has not been received, which makes me question whether it in fact was sent. I believe banks that do not return checks with statements are required to provide access to images ; Capital One appears to be violating that rule.

Company response to consumer: Closed with explanation