vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
1. Citibank granted me Covid Defferal for 3 months however Citibank neglected to process the third month and put my account into a past due status. it wasnt until many calls later this had been discoverd. 
2. Egregious customer care 3. Inconsistant employee knowledge of CitiBanks protocals 4. Being told making a partial payment would keep my account from being past due however doing this put my account past due for two consecutive months when indeed it was not 5. Not being able to correct my account in a timely manor ... being told over and over it would take 7-10 business days to correct 6. My account being thrown into collections when it shouldnt have been 7. Being charged late fees in error and not being able to reverse in a timely manor 8. Damaging my almost perfect credit report ... falsely reporting three late payments ... FICO down to XXXX from almost a perfect score ... Citibank is the only bank to report late payments during covid 9. Being told Citibank wasnt responsible for correcting my credit report 10. Being denied credit with other banks due to Citibanks errors ( first time ever in my life ) 11. Sky high interest rate for an auto loan I was eventually given 12. Not being able to speak to the department responsible for correcting my account. THIS SHOULD BE ILLEGAL!!!!

13.. Having been told numerous times there wasnt anything representatives could do about the errors ... .WHAT?

14. Time wasted during lengthly phone calls, chatting online, writing and faxing a letter to an address I was given with no response.

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 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX and XXXX are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. Equifax is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
This company has been reporting an inaccurate account on my credit report which violates my rights under the FCRA. I have contacted this company via certified mail requesting VERIFICATION of account # XXXX with a reported balance owed of {$1400.00} on XX/XX/2020 and XX/XX/2020. I have asked that they send me the documents with my name and signature which states the terms they believe I ( myself ) agreed to. This company has failed to provided me with this information and has also refuses to remove this account from my credit report. I demand this information be removed from my credit report in accordance with 15 U.S.C. 1681i, of the FCRA which states that all UNVERIFIED accounts must be promptly deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: AL

Complaint narrative:
Experian XXXX  XXXX I have sent i have disputed an account that shows the wrong dates and stuff and asked to delete the information since they are reporting in accurate information all there reports shows the date open on one day and the letter that was sent to me was a wrong date so please delete

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I refinanced my home Mortgage that was with Bank of America. I refinanced through a different company and got confirmation that my Bank of America Mortgage was paid in full on XX/XX/XXXX. I tried on 3 occasions ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) to contact Bank of America regarding the refund of approximately $ XXXX of my Escrow account balance. On XX/XX/XXXX I held for 40 minutes and never did get my call answered. On XX/XX/XXXX, I was on the phone for 2 hrs. and 58 minutes spoke to two representatives that asked their supervisors for help and nobody to could figure out how to see if a refund check had been sent to me. On XXXX I held for 30 minutes and my call never got answered. I have a few issues I would like addressed : 1 ) their recording says if you don't want to hold, send us a secure message by logging onto your account. I could not do this because they disabled my account. 2 ) If they have that long of hold times, hire more help. This is ridiculous. 3 ) By law B of A should have sent me a refund check within 20 business days of my account being paid in full. They are breaking the law and given the recent scrutiny by regulators in the mortgage arena, I would think a company as big as B of A would have their processes fixed by now.

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 2020-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX I have purchased new XXXX XXXX XXXX and thus entered into a retail installment contract ( RIC ) with the dealer that governs the financing arrangement for the vehicle, which the dealer assigned to TMCC. When I purchased the vehicle, the dealer offered " gap '' protection in exchange of a specific payment. At the dealership I was informed that gap protection in " designed to cover the difference between what my insurance will pay and what I actually owe if the car is totaled, or the difference between what I owe and what my var insurance in willing to pay for it. TMCC describes gap protection as a product that '' will waive or pay the deficiency balance '' if the customer experiences a total vehicle loss. TMCC 's gap protection came in the form of a written standardized addendum to the RIC. Pursuant to the terms of the GAP contract, TMCC agreed to waive a borrower 's remaining liability to TMCC for any balance under RIC that is over and above the Value of the Vechicle as determined by the physical damage. My new Toyota XXXX XXXX XXXX Hybrid was financed through TMCC for a total amount of approximately {$40000.00} and I paid some additional charge of XXXX at the dealership. On XX/XX/XXXX my vehicle involved into a car accident and my primary insurance deemed my vehicle a total loss and paid to TMCC, the lien holder of my car, {$19000.00} as the value of the vehicle at the time of the accident. At that time I owed TMCC {$26000.00} for the vehicle under the RIC. TMCC refunded me {$1700.00} for the unused portion of the prepaid maintenance ( PPM ). Thus, there is a {$4800.00} " gap '' between the {$24000.00} I owed to TMCC under the RIC and the " actual cash settlement '' from XXXX in the amount {$19000.00}. Contrary to the terms of the GAP Contract, TMCC did not waive my liability for the {$4800.00} " gap. '' Instead, TMCC waived {$3300.00} and notified me ( with threats to report to credit reporting agencies ) that I was liable to TMCC for the remaining {$1500.00}. TMCC 's refusal to waive the full amount of the " gap '' on my vehicle is contrary to the express terms of the GAP contract. TMCC 's refusal to waive the full amount of the " gap '' and threats has caused me pecuniary damage. Upon my belief, TMCC 's interpretation and construction of the GAP Contract between me and TMCC is uniform and consistent with how TMCC has interpreted and construed all other GAP Contracts it sells. The GAP Contract was drafted, prepared, promulgated and sold by TMCC and as such, any and all ambiguities in the GAP Contract must be construed against TMCC. This is my belief that TMCC has engaged in deceptive and unconscionable trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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:
remove the fraud alert on my accounts experian XXXX  and 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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
This is a response to Global Payment Check Services : Mr. XXXX VIP Preferred Check Cashing account with our service has been closed as per case number XXXX. The account was closed due to the consumer 's refusal to acknowledge and agree to the terms of service. Unfortunately, without agreed upon terms of service, service can not be provided. This is in no way a reflection of the consumers complaint history, but a decision based solely on the grounds of Mr. XXXX refusal to accept the terms of the service that we provide which he initially consented to in transacting. 

Response : After further review, it has been determined that the Terms and Conditions that Global Payment Check Services references are completely inaccurate with respect to what has been stated verbally over the phone during phone conversations with their staff. Aside from what has been stated, the Terms and Conditions are vague, without recourse, and are not infallible. My rights as a consumer making a valid complaint precludes any Financial Agency or Organization handling Billing Inquiries by themselves or through a Third Party Agency from legally banning me, and putting a clause in any Terms and Conditions which would appear to neutralize a company from any litigation, goes against Consumer Rights. Conclusively, Global Payment Check Services has failed to acknowledge receipt of their mistake. The Terms and Conditions to which they claim to have written were understood differently when I read them, and it was only until they attempted to clarify things that they decided to close the account without further acknowledgement that they are at fault for the misunderstanding represented in the paragraphs contained within the Terms and Conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: GA

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 2020-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I submitted a {$50000.00} additional payment to the principal account at bank of america. BOA miss applied to my payment and have not corrected it. I spoke to various level in the mortgage supervisory chain and know one has fixed the problem. my complaint control number is XXXX. I have spent more than 8 hours on hold waiting to speak to someone, know one is fixing my problem. I included a letter signed by me with specific instructions to apply the payment to principal. In addition, i wrote apply to principal balance on the check. This is probably my 5th or 6th extra payment with the same instructions included each time.

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 2020-10-01 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: TX

Complaint narrative:
remove the fraud alert on my accounts XXXX  transunion and 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 2020-10-01 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: TX

Complaint narrative:
remove the fraud alert on my accounts XXXX XXXX and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase, I am a victim of identity theft and I called to report this information to your fraud team again today you and they were unable to verify me via my cellular phone number ( S ). This is not my first time attempting to reach your fraud team. They put me on hold to see if there were other solutions they could offer me. They suggested that they call me back to verify me. I suggested that I go to a branch but they dismissed this idea and recommendation to call me back on my phone line. Also, my zip code is coming up incorrectly in your automated system. Can you please investigate asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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:
XXXX and TransUnion 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 2020-10-01 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: DISCOVER BANK
State: AL

Complaint narrative:
XXXX XXXX XXXX I have sent i have disputed an account that shows the wrong dates and stuff and asked to delete the information since they are reporting in accurate information all there reports shows the date open on one day and the letter that was sent to me was a wrong date so please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Chime Financial Inc
State: MO

Complaint narrative:
Disputed Charge on Debit Card with Chime Bank, after waiting 3 months for resolution I received letter saying No error occured and money would not be refunded. I purchased item online and it was never delivered. After disputed with bank I asked for documents of how they came to no error occured. The single page document they sent said they could not contact merchant via phone. They were on hold for 5 min. and never spoke to live person it continues to say. So how is it now my fault the merchant didnt respond? Also they stated it would take 3 months to complete investigation yet they only called the merchant 1 day before the 3 month time limit expired.its ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX and Transunion are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX  partial account number XXXX. XXXX is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2020-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ; Experian and XXXX are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. XXXX is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2020-10-01 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had contacted Wells Fargo Credit Card Services for my XXXX XXXX card on XX/XX/2020 when I went to make a payment on my credit card that I saw my card balance was extremely high and there were four fraudulent charges that I did not authorize. Two back to back charges with XXXX XXXX on XX/XX/2020, for {$450.00} and {$120.00}, respectively. Then there was another charge on XX/XX/2020 for {$100.00} at target, and finally on XX/XX/2020 a charge of {$220.00} at a vendor that says XXXX XXXX. 
I was on the Wells Fargo Payment assistance program for my credit card payments prior to all of this, since I had still been out of work due to COVID and have been very frugal in spending, having not used the card for months during this time period. 
I called them on XX/XX/2020 to make them aware of the fraudulent charges and to let me know what I could do, they said they will help take care of it. Fast forward to XX/XX/2020, I see a balance transfer and Wells Fargo put all of the fraudulent charges back onto my account saying that I am liable for them when I never authorized the charges to begin with.

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