vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
This all started when my lease with Kia Motors on a Kia XXXX was about to be up back around XXXX of 2019. I returned the car and thought everything should be good to go. I had automatic payments on the entire time, and have never missed a payment with any account I have, outside of just KIA. When I called and asked them why my payments had not posted they assured me that they were undergoing a system upgrade and it might take a month, but I wouldn't be held liable for any late fees or extra costs. I thought we were good at that point. I called at least six more times to Kia over the course of two months seeming that the payments weren't posted and I saw late fees on my account, with a new balance that I owed, a number that was completely different than all my other payments. No one could give me any answers and they changed their tune at this point basically accusing me of not making the payments. I had my bank verify the payments and everything. Eventually I started getting mail from collections agencies and after months of nothing from Kia, they claimed I still had a balance on my account which is inaccurate, and at this point predatory. They have been harnessing me ever since. I recently tried to refinance my car loan and the derogatory remarks showed up that I never paid the bill and it was in collections. This was the most unprofessional, predatory, and downright shameful way to act from Kia. I would like the bill in collections removed from my credit immediately. We spoke over the period of four months and they were not able to verify any of my payments, how much I owed, or anything, due to their own system upgrade. I would also request the most recent hard pull on my credit for the car loan be removed as well seeming that it would have gone through if it weren't for Kia 's derogatory remarks. Once again, I have my every single payment in full and on time for every single one of my other accounts. This is completely out of character for me and is something I would never do!

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 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: OK

Complaint narrative:
I had an working debit card that wasn't going to expire until XX/XX/XXXX. I was sent another card not sure why, I put it up because my card was fine. Went out of town on XX/XX/XXXX and my card was fine. I go to a Bank of America ATM and my card worked. I tried to withdraw more money and my card wouldn't work I call customer service and my card was cut off because I received a new card and the bank was changing from MasterCard to Visa. The customer service tried to activate my debit card and they couldn't get it to link. So I'm 300 miles away from home with no money. I couldn't check in my hotel because I had no card. So a family member paid for the room and I gave the money back. I get home activate the new card. I tried to use the card Wednesday and it wouldn't work. I called customer service 3 times to be told they couldn't link the new card to my account and would be sent another debit card. I advised the representative that I need my card before noon because I will be going out of town. I was told no problem. I tracked the new card this morning and it's not scheduled for delivery until XXXX tonight. I called number service this morning XX/XX/XXXX and was told there's nothing they can do. I was told that I can go get a temp card but you can't check into a hotel with a temp card. I asked they contact XXXX to change delivery time and they refused - stated they can't do that. So here I am with travel plans and no access to money. So I have booked a hotel and can't check in and I have no money. I have to take off work to go get a temp card.

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 2021-04-02 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: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau onXX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted all three bureau 's, Equifax, XXXX, and XXXX previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I set up my account so I pay on a bi-weekly basis, and have been doing so since closing on my refi a few years ago. NewRez reps have advised their system is set up correctly, and all appropriate notations have been included to support this bi-weekly approach. Unfortunately, NewRez continues to apply some of my bi-weekly payments as additional principle payments, so my account goes into a delinquent status often. I've called a few times, had my account corrected and received reassurances that the problem is resolved. I suspect it's a systemic issue, as the folks that I've talked to in the call center have all appeared to be knowledgeable on what happened ( ie they located the issue quickly ) and have all taken steps to resolve.

This morning 's alert that my FICO dropped 141 points was the tipping point for me. I logged into my NewRez account, and it once again shows I'm delinquent. This is the worst experience I have ever had with a mortgage account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. NET CREDIT - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXXn XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted all three bureau 's, XXXX, Transunion, and XXXX  previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.

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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted all three bureau 's, XXXX XXXX, and Experian previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.

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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Yes another complaint on the same topic, because you didnt do your job the first two times. I sent in a second complaint on this topic and you said it was a duplicate. Well, XXXX. If you had done your job the first time, I wouldnt have to file a second complaint. Since you still didnt do your job the first two times, I have to file yet a third complaint. 

Maybe if you would just do your job I could stop filing these complaints? Maybe you could call me back. You keep saying call us. Well, I do, but you are too important to talk to me on the telephone. And evidently you are too special to call me back. I dont know why you are so lazy, but it is just insulting to not talk to me on the telephone when you are the people that say you want me to call you. 

The complaint is the same. Bank of America has still not sent me a 1099. They did send a financial summary, but it was not a 1099. I had to add up all the figures myself. Do you realize that I still had to pay PMI even though I only owed XXXX XXXX dollars on a loan for XXXX XXXX dollars? Doesnt that seem a bit unfair to you? 

I have dealt with Bank of America for over 13 years. They never answer a question. They just say they will send a message and someone will get back to me. When they say they will send a letter, it is always the same letter, and never addresses the specific issue at hand. For example, why did the PMI on one loan go down every year, while the other PMI stayed the same? 

Nobody ever knows anything, and nobody answers the specific issue at hand. I can only hope Senator XXXX XXXX comes up with new legislation in this Senate that makes Bank of America follow the rules. A multibillion dollar organization, thousands of employees, a CEO who makes more money in a week than I will make in my lifetime, yet a bank too stupid to figure out how to print out a 1099 and send it to me.

I have never been able to see any of their responses because the user id is wrong and I can not change it. So knock that off. Just tell them to send the 1099, and obey the rules. I dont need more messages from those idiots ; I just need them to do their jobs. 

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 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We have A insurance check that came from the mortgage co we deposited with Wells Fargo.Wells Fargo cleared it we gave them all the paperwork showing that my wifes mother passed away we inherited the house they contacted the mortgage co. told bank the check is good then Wells Fargo closed our account froze all four accounts its been over two months they refused to let us have our money or open our account were tired of it either they need to release our funds mail us a check like they said they were going to for our funds are open our account every time we try to talk to them they extend the closed accounts further out we want our money its our money they have no rights to keep holding it this is over two months now that they wont let us have our own money theyve got all the information all the paperwork even talk to the mortgage company mortgage company told us we need to sue them they have no right holding our funds ive been with this bank over 30 years and were getting treated like XXXX right now Every time we contact the bank they extend the closure Send us another letter with a new clothes your date were tired of this we want our money No more extensions are we will Take further action They can not keep holding our money hostage

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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
My Mortgage company believes that I paid my XXXX payment late. I paid for it on XX/XX/2021. I do not see the payment as late but they say it was returned on XXXX XXXX, 2021. I do not see that it was returned on my side. If the payment was returned, it was due to unforeseen circumstances due to COVID 19 and unexpected associated costs due to illness and family expenses. The loan company says the loan was eventually paid in XXXX. There have been no late payments since then. The loan company is Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Back in XXXX of this year I applied to Quicken Loans to refinance my current mortgage with XXXX XXXXXXXX XXXX I gave Quicken Loans all the documentation including proof that XXXX XXXXXXXX XXXX  had erroneously listed a forbearance with the credit agencies when if fact it was a deferment. I even provided proof with a letter from XXXX XXXXXXXX XXXX indicating that they made a mistake and were in the process of correcting the listing with the credit agencies. Quicken Loans said they had to disqualify the loan based on the the forbearance, but I provided proof it was not. This is against the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: FL

Complaint narrative:
this company is reporting to transunion on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This all started when my lease with XXXX XXXX on a XXXX XXXX was about to be up back around XXXX of 2019. I returned the car and thought everything should be good to go. I had automatic payments on the entire time, and have never missed a payment with any account I have, outside of just XXXX. When I called and asked them why my payments had not posted they assured me that they were undergoing a system upgrade and it might take a month, but I wouldn't be held liable for any late fees or extra costs. I thought we were good at that point. I called at least six more times to XXXX over the course of two months seeming that the payments weren't posted and I saw late fees on my account, with a new balance that I owed, a number that was completely different than all my other payments. No one could give me any answers and they changed their tune at this point basically accusing me of not making the payments. I had my bank verify the payments and everything. Eventually I started getting mail from collections agencies and after months of nothing from XXXX, they claimed I still had a balance on my account which is inaccurate, and at this point predatory. They have been harnessing me ever since. I recently tried to refinance my car loan and the derogatory remarks showed up that I never paid the bill and it was in collections. This was the most unprofessional, predatory, and downright shameful way to act from XXXX. I would like the bill in collections removed from my credit immediately. We spoke over the period of four months and they were not able to verify any of my payments, how much I owed, or anything, due to their own system upgrade. I would also request the most recent hard pull on my credit for the car loan be removed as well seeming that it would have gone through if it weren't for XXXX 's derogatory remarks. Once again, I have my every single payment in full and on time for every single one of my other accounts. This is completely out of character for me and is something I would never do!

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 2021-04-02 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: TX

Complaint narrative:
XXXX XXXX XXXX/XXXX, XXXX XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
RE : XXXX This is not a duplicate report, Bank of America added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, XXXX the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the XXXX and XXXX maliciously reported to the credit bureaus must be removed. 

2. There was never a delinquency, however, Bank or America has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

XXXX. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. Bank of America received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by Bank of America. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.

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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a current myequifax account and their site will not allow me to manage a credit freeze. The website directs me to an 800 number and when I go through the process it says it can not perform the credit thaw. The phone number then re-directs me to the website. 
This poor customer service and the inability to manage one 's own credit file is totally unacceptable. 
It feels as though Equifax punishes customers who choose to protect their credit by freezing it.

Company response to consumer: Closed with explanation