vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am having an issue with my credit profile on Transunion and have been trying to work this out for years. 
I currently do not have a credit profile with Transunion, I do with all the other credit bureaus. 
I have been in the US for 8 years. I have a XXXX XXXX I have many bank accounts and credit cards, I pay taxes, I own a home. And yet, Transunion will not acknowledge my existence. 
I have repeatedly contacted Transunion and sent over via mail : proof of SSN, proof of residency and copies of IDs. Most recently Ive done so in XX/XX/2020. 
In an attempt to sort out the issue I recently spoke to a XXXX credit bureau specialist, as I use their credit card. He mentioned that hes seen issues with 2 letter names on Transunion. I then contacted Transunion again and they finally confirmed that there is absolutely no information being collected under my social security number, quite possibly due to my first name being only 2 letters. I was even told by the Transunion rep that my name is too short and in fact its not even a name, its a conjunction. 
My legal name is XXXX, its a very common name where I come from. I do not have a middle name or any other name I can go by. 
Transunion is saying that the creditors ( XXXX, XXXX, XXXX ) are the ones that need to send the information another way. The creditors are saying they are doing everything correctly and its Tranunions system that is blocking my account.

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
I recently within the past year came across some financial issues where I wasnt able to pay the majority of my bills. My credit card account with Avant was in perfect standing prior to my financial hardship, but once things got too bad for methe account became past due and was eventually charged off. Ive tried on multiple occasions to have this account updated, multiple disputes and they will not budge. Theyve charged an outrageous amount of fees when I stopped using the card long time ago. I am in the process of trying my best to pay back most of the things I owe and I can not afford to pay {$800.00} of a credit that originally had a {$500.00} limit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Offered {$200.00} credit when achieve {$2000.00} in charges in three months. Was shown if I used the new card in an airline ticket purchase (  which I did ), the actually amount of the Ticket cost of would be {$200.00} less. There was also an offer for air miles to be credited. Just called the cc to ask the status of the credit and I was told I didnt have that as an offer on my card account.

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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Submitted a Mortgage Refi Application in XXXX of XXXX with Navy Federal Credit Union. To date ( XX/XX/XXXX ) we the applicants still have not closed. We have been told multiple times that we are just a couple weeks from closing only for another two months to pass by without action.

Our loan officer continues to ask for documents that we have  submitted on multiple occasions. The level of scrutiny being exacted upon is discriminatory. We suspect that it because we are XXXX American in the age of COVID-19 in which XXXX people are being impacted the worst economically. To date we still have not closed and Navy Federal Credit Union continues to ask for information for which feel is designed to stall from having to approve the loan. 

I am a veteran having served 22 years in the 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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I submitted a complaint number XXXX I'm adding important document that is imperative to this complaint also when I spoke to them and made my last recent payment they said I was 11 payments behind ( not correct I'm up to date ) and I received a tax bill from treasurer office that my property tax is not paid which shell point is supposed to make the payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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:
Today XX/XX/2020 I was made aware of two accounts reflecting badly on my credit report. The accounts are from these companies XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. The reason these accounts were brought to my attention is because I applied for a XXXX XXXX  credit card and I was denied due to these accounts. Neither of these accounts belong to me and I did not allow anyone to open them in my name. I did not get anything as a result of these accounts being opened in my name without my permission such as money, goods, services or any other benefit and I never took part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with either of these companies and I never authorized them to run or access my credit information. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-06-15 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: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " CREDIT ACCEPTANCE '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " XXXX  XXXX XXXX  '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from 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 2020-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: FL

Complaint narrative:
I own a residential building that has a first floor zoned as commercial. My loan is with Sterling National Bank The loan was for 10 years with a reset after 5 years. The loan agreement included a clause that required me to tell the bank when a lien on the property is filed. If I failed to do this, exorbitant interest penalties accrued. I was ignorant of that clause in addition the clause stated that they didn't have to inform me that interest was accruing. 

A {$400000.00} lien was filed against me with the court and the bank was named and notified at the same time! When I tried to reset the loan the bank stated that they needed more time to since they were backed up with work so I needed to sign an extension agreement. I told them that I wanted the interest rate frozen and spoke to the president of the company. He said he would look into it. 

I continued to make my payments as before ... They never told me that I owed the exorbitant interest. On XX/XX/XXXX they informed me that I owed them {>= $1,000,000}, and my loan was in default. On XX/XX/XXXX they sold my loan to some unknown entity. 

Sterling Bank lied and said that I never wanted an extension and ignored me.

My lawyers have been helpful but I believe that I have been wronged. I do not want Sterling Bank to do this to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " XXXX   XXXX '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " EXPERIAN XXXX XXXX '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from 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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a bankruptcy on my credit report with Experian because it has been over XXXXyrs. They Emailed me stating the investigation was complete and the bankruptcy was to remain on my file. I filed a dispute with XXXX XXXX and XXXX  on the same day and within a few short days both had removed the bankruptcy. I tried calling Experian today, was put on hold for 20min, then the line turned to static. I submitted my dispute with Experian on XX/XX/XXXX. The report # is : XXXX, a reference # is: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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
My checking account was put on hold around XX/XX/XXXX due to some sort of " suspected fraud ''. I had called us bank about it and after talking to a few bankers they said I had to talk to the electronic fraud person in charge of overseeing my account. After 3 days in a row of trying to contact this person, and leaving him a message, I called again and the banker I talked to said that he still wasn't in and that they would have somebody else look at my account. After being put on hold the person said that my account would be closed and I would receive a check in the mail in 5-7 business days. I asked when they were going to send it and they said right now. Fast forward to XX/XX/XXXX, after waiting for my check in the mail for 12 days I called again and they told me that they never closed my account. After waiting on the phone for like another 2 hours they finally said they would close my account and send me a check in the mail. The problem is it will now be at least 3 weeks total without having access to my money. All of my accounts have now acquired late fees due to the fact that they said they had already sent out my money.

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 2020-06-15 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: Netspend Corporation
State: MD

Complaint narrative:
I tried to file a dispute and get a refund in the amount of {$720.00} through CONTROL PREPAID MASTERCARD for services that i payed for that wasn't rendered to me. For a trip that i was making payments on through a travel agency named ( XXXX ) for my up coming Honeymoon to XXXX XXXX  XXXX. XXXX took my money and cancelled my trip and said they were cancelling all trips and shutting down their operations due to the travel band and they didn't issue me a refund. They said i had to go through my bank to get my money back they weren't giving out refunds. The trip in total cost a little under {$3000.00}. But i only got to make two payments on the trip before they cancelled the trip. XXXX has scammed thousand of people out of their money. It has been all over the news. I sent all necessary paperwork to control/XXXX to try to get my refund as a charge back or etc and they denied my claim and said it was between me and XXXX. It was nothing they can do. I've never heard of a bank not protecting you from things like this.

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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Earlier this year I tried to send someone {$150.00} thru ' Cash App. The person was never able to get the money and his bank told him that he couldn't use cash app becuase they have their own " system '' and any such transfer of money using that bank would have to use their app. Numerous attempts have been made to get a refund, but getting back money from Cash App is about as easy as walking on water or bringing the dead back to life!!!. 

All I've been trying to do for the past 3 months is get a refund. Cash App has made sure to give me the biggest run-around you could imagine, so much that I am forced to think of them as " SCAM APP '', rather than anything else. 

Aill I want to do at this time is get back my {$150.00}. I am on Social Security and could really use my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On my XX/XX/2020 statement there was a balance of {$100.00} for a single item purchased. The due date to pay was XX/XX/XXXX. On XX/XX/XXXX I returned the item and received a credit from the merchant for the full amount of {$100.00}. Thus, my balance became {$0.00}. Yet, my XXXX statement had a charge by Citibank dba Sears Card of a late fee of {$28.00}. I called Citibank, whose representative stated that return credits do not count towards the payment due. This is a total fraud by Citibank. The CFPB should recommend that the regulations be amended to make it clear that financial institutions must offset previous balances by any and all credits issued by merchants before the next closing date. Moreover, Citibbank ; s website does not allow for online accounts, such as mine to dispute online any fees. This, too, is another cheating way Citibank prevents cardholders from disputing fraudulent fees. The CFPB should recommend that it be mandatory for financial institutions to allow online disputes of fees.

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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
I have a loan with Home Point Financial I was put on a forebearance plan and was told I could skip payments. They stopped the payments but reported me as late. When I login into the website I can not make payments or do anything else. The company is Homepoint Financial and my loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} AR XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have shared my cost expenses and loans received for my schooling with Navient customer service advisors, management, etc as they carry my loans service with University XXXX XXXX with no help just the same answer over and over. I explained the interest continuing to grow more and more and the payments that I was able to make ( over $ XXXX ) were applied to the interest and not much to the principal at all which interest continues to keep getting higher putting me further in debt. They promoted flexibility and convenience, which was anything but those. All the school would do in the beginning is stress how easy it is to the get the loans and it would be low interest with quick turn-around pay off after graduating. That was such false information and when I questioned the information after graduation all they would say is we highly suggest forbearance or deferments. Which in return just builds more and more debt. There was no assistance in lower income payments offered just the same said over and over. I requested numerous times for the low income payment program, but they kept advising the forbearance/deferment program instead and would talk over me. Now I am {$57000.00} in debt when the original note was under {$30000.00}. The financial assistance they keep telling me about was false and there was no guidance whatsoever. I have contacted Navient numerous times about my loans trying to get things ironed out about where my payments were applied and I would receive the same answer, we will review and see if adjustments can be made but in the mean time apply for the deferment program so that you can have a break in payments. How is that helpful it just increases more interest and nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One made a business decision to close personal lines of credit used as " overdraft protection ''. I have been a customer/had the line for no less than 10 years. While I have no issue with that, they gave zero advance notice. I made financial decisions ( planned ) based upon the account ( which I've had at least 10 years ) -- due to Covid hardship was planning on using the line until 401K loan processed. Due to the fact they closed with zero notice there have been several consequences ... ( 1 ) I was embarrassed when the card was declined at a restaurant. ( 2 ) any checks outstanding over the next week ( until loan comes through ) might bounce -- anything that attempting clear today will bounce as I don't have time to even move funds from savings accounts over. ( 3 ) potential of overdraft fees as my checking account is at XXXX -- again PLANNED based upon having the line and timing from borrowing from other sources. 

Again, I have no issue with there closing the line ( I have/will move my business elsewhere ). This complaint is around the lack of a reasonable timeframe to adjust my finances without negative impacts to me. Thanks! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: WI

Complaint narrative:
I got what I thought was a free product from XXXX XXXX wrinkle face cream they said all I had to do was pay shipping and handling of XXXX. The next thing I know I was charged XXXX for the same product which caused chemical burns on my face! When I called the company they told me all I had to do is have Direct Express call them with me on the phone and they would refund my XXXX. When I called Direct Express they refused to call the company and said I had to file a dispute! So I did but instead of trying to get my money back they sided with the company who charged me twice for one product! They are very rude people I never know if I'm getting The United States or overseas! I am waiting to see how this turns out! If I do not get my money back I am going to sue both companys! This is freud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Hi All, I have leased a Toyota with Toyota Financial Services for years. During COVID and since most dealerships were closed, I agreed to extend my lease for up to 6 months. My account information including bank account have been on file and authorized to charge monthly. For some unknown reason and without any kind of warning, they filed a credit score dispute which as a result dropped by credit by -40 pts and I was in the middle of a PPP loan application for a small business. They may have interfered with this loan as a result with a fraudulent charge, showing an inconsistent amount that I do not owe this dealership.

Company response to consumer: Closed with explanation