vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: SC

Complaint narrative:
I was impacted by COVID 19 and took the forbearance option with my mortgage provider ( Loancare ) in the middle of XX/XX/2020. At that time my loan was 2 months behind, I brought the loan current on XX/XX/2020. 

I attempted to bring the loan current in XXXX but Loancare took 5 months to process my escrow analysis showing my payment {$600.00} higher than it should have been. This was not corrected in their system until XX/XX/XXXX. 

From XXXX until today Loancare continues to report my loan as 60+ days late to all 3 credit bureaus. 

On XX/XX/XXXX I requested the first credit dispute, which was denied as Loancare said  what was reported to the credit bureaus is correct. 

On XX/XX/XXXX I requested the second credit dispute, which was denied as Loancare said what was reported to the credit bureaus is correct. 

On XX/XX/XXXX I requested the 3rd credit dispute, which was denied as Loancare said what was reported to the credit bureaus is correct. In speaking to the is was told that because the loan was delinquent going into the forbearance period it would continue to report as " late '' until it was removed from forbearance.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a Amazon Prime Credit Card and was given one in XX/XX/2020. It was issued through Chase Bank. It had a credit line of {$1200.00}. I made about {$350.00} worth of Amazon purchases on the card in XXXX and made the first scheduled payment on the due date. 
Yesterday ( XXXX ) I received a letter from Chase Bank stating that my account had been closed " because our affiliate is ending their banking relationship with you ( me ) '' The letter gave a number to call for questions. I called that number and asked for an explanation of who / what the affiliate is that is ending our relationship. The woman could not tell me that nor explain any further due to privacy issues. I have no banking relationships that are or have recently ended. 
I asked what this does to my credit score? Because now I have an inquiry, and a closed account in a very short time frame. She could not answer that questions either. I asked who I could call or write to find out answers to all these questions and she said she did not know. 
It seems unfair to me that they can mess with my credit like this - and not even give me clear answers as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Ive been disputing this wells fargo account with XXXX  for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX wells fargo refuses to send me information on why this continues to be reported and has not responded to my request for 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 2020-09-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
There is a 30 late payment on XXXX 2014 on my credit report from toyota motor credit . Makes 7yrs should not be on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: AR

Complaint narrative:
Global lending services refuses to even consider unemployment income as income in regards to my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-10 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
My wife has a XXXX XXXX XXXX through GM financial. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. GM financial said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at GM financial and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX  XXXX  and have been loyal gm customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and GM fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another GM vehicle again unless GM fixes this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MA

Complaint narrative:
There is a 30 late payment on XXXX 2014 on my credit report from XXXX  XXXX XXXX . Makes 7yrs should not be on 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 2020-09-10 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: Tidalwave Finance Corporation
State: CA

Complaint narrative:
I purchased a used car in a used car dealership as is. I was aproved for a loan from tidalwave finance corp for the ammount of {$8500.00} plus interest. My first payment was on XX/XX/2019 for the amount of {$310.00}. ever since then ive made my payments on time if not in advance. 3 payments were rejected by the bank the month and date of XX/XX/2019 do to use of a debit card from another family member, Other then that my monthly payments have been in full and on time. I contacted TIDALWAVE FINANCE CORP a few moths after my loan was approved and asked why my loan did NOT show  in my credit history and i was told that they made the reports once i was done paying my entire loan. I accepted the answer at the time but i looked into credit reporting for more info and realized my loan should have been reported to the 3 credit bureaos since the account was opened. Im now wondering if my auto loan should have been reported or if it ever will be. I would like for the report to show in my credit along with my payment history and my pending balance. SHOULD I WAIT AND SEE IF IT SHOWS WHEN IM DONE PAYING THE LOAN? WHAT IF THEY NEVER REPORT MY LOAN OR PAYMENT HISTORY TO THE CREDIT BUREAU. THERE HAVE BEEN NO UPDATES IN MY CREDIT HISTORY SINCE THE LOAN WAS APPROVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was employed by a legit company and according to Bank of America multiple wire transfers I received from this company to my Business Checking in a period time of more than 3 weeks all the transactions funds was made available to me for days until they deactivated my account for what I was told by multiple representative of the bank that was for routine methods. I was told first that it was most likely because my account was fairly new and that due to the large wire transfers they needed to verify where the funds had came from. I provided all the documentation I have in regards to who sent and the reason the funds was sent to me. I have detail email communication between me and the company who sent the money. I provided all the information voluntarily. Once they identified that the transactions was unauthorized they decided to close all my accounts and the only explanation given to me it was because it was a business decision. I was sent a letter from Bank of America that they had reported the  fraud to XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and that I may be affected by their decision open other accounts with other financial institutions. I believe this is unfair and unethical given the reason I am myself a victim of identity theft by the employment scam and fraudulent activity. I am XXXX XXXX XXXX  and had been under a lot of stress and uncertainty since this happened creating health risks for me and my XXXX   XXXX. I am working on getting my XXXX  license and this situation can affect me in a negative manner or even prevent me from getting my license. Bank of America has all the documentation that clearly shows I am a victim of fraud. I will send any documents via email upon request.

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 2020-09-10 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: MD

Complaint narrative:
My wife has a XXXX XXXX XXXX through XXXX XXXX. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. XXXX XXXX said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at XXXX XXXX and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX XXXX  and have been loyal XXXX customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and XXXX fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another XXXX vehicle again unless XXXX fixes 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 2020-09-10 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: NH

Complaint narrative:
Equifax is reporting the address of XXXX XXXX XXXX XXXX NH On my credit report and continues to break the law by keeping it on my credit report After many disputes through my online account with them and they are not providing information on where they are getting this information from which is required under federal And NH state laws. 

XXXX link proving XXXX XXXX XXXX doesnt exist XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX doesnt even exist as an address. Why is this address intentionally put on my credit file when its fraud and doesnt exist? 

Any response from equifax telling me to contact them via phone Is not a legal response. I have a online account with equifax. Any response stating telling me I can do a dispute via online is just retaliation, abuse and an admission to doing fraud and breaking the law. Iv already done many disputes about this address with equifax. 

Consumer financial protection bureau should not be in conflict not be in conflict of interest With any consumer reporting agency including but not limited to equifax, XXXX, XXXX and XXXX. Knowingly refusing to remove information that doesnt exist is a crime. Refusing to provide where information is coming from during investigations is a crime. Refusing to look at evidence that Iv provided with my complaint through the consumer protection bureau means your breaking the law. 

I video tape anything coming in the mail FYI. To prove mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is not allowing other entities to view my credit file when I try to gain credit. I can not view my credit file on XXXX XXXX, XXXX, myfico, etc. When I go to view my credit report, I can only see my XXXX  and XXXX  reports, not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-09-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.

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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XXXX XXXX was initially reporting inaccurate information on my credit report with this account. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency Southwest Credit Systems. This is another FCRA violation. I did not receive any formal notice from the collection agency or the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/20 I attempted to transfer {$100.00} to my daughter. On the Pay an Individual screen a {$0.00} fee was disclosed along with a disclosure that funds would not be available for her until Friday XX/XX/20. 

When I searched for another option I saw that I could transfer funds from my Fifth Third checking account to my checking account at XXXX. As I DID NOT SEE any fees or delays disclosed I made a {$100.00} transfer from my Fifth Third checking account to my checking account at XXXX. 

Now, on Thursday XX/XX/20 I see that {$100.00} was taken out of my Fifth Third account yet NOTHING WAS TRANSFERRED TO MY XXXX ACCOUNT. 

It took over a half-hour on the phone with Fifth Third to speak with three of their representatives who have been trained to deal with Fifth Third 's deceptions and have no resolution. 

All three noted that there is a fine print disclosure hidden on the XXXX transfer screen and that they could not reverse the hidden {$3.00} fee or track down the missing {$100.00}. They all stated that while funds are " supposed to be credited within three days '' that " it could take longer. '' All three reps sounded scripted as though Fifth Third does this to its customers all day, every day. 

While I expected an immediate transfer, my funds did not even transfer " within three days. '' The transfer was made Tuesday and no funds were delivered on Tuesday, Wednesday or Thursday. Also, while I expected no fee, all three Fifth Third reps refused to refund the {$3.00} fee. This was the case event though it was disclosed to all three reps that had I known that the funds would be delayed for three days or longer and there would be a {$3.00} fee while experiencing this delay, I NEVER would have authorized the transfer. 

When the transfer did not go through on Tuesday I asked Fifth Third to stop it and the bank 's reps claimed that it could not be stopped.

Now, I'm our {$100.00} at Fifth Third and the {$100.00} that was expected at XXXX has not arrived even though it has been " three days. '' When today 's Fifth Third reps walked me through the website they showed me fine print which included font that is MUCH SMALLER than the rest of the font on the page and in a faint gray as opposed to the BOLD BLACK that other type is in on that very same page.

This may be seen in the attachment. Fifth Third should end this deception and list the unexpected delays and fees in large print and in bold. At the very least, the font should be consistent with the rest of the font on the same page. It is wrong to intentionally deceive customers with all but the best eyesight on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2020- I purchased a webinar course from a company name XXXX XXXX also known as XXXX XXXX XXXX XXXX. 
XX/XX/2020- I contacted the merchant ( XXXX XXXX XXXX ) for a full refund in the amount of {$9000.00} dollars because service was not rendered. No Response from merchant. 
XX/XX/2020- I called Capital one credit card service to dispute the charge. 
XX/XX/2020- Capital one credited {$4000.00} dollars back to my account. Capital one required me to submit a questionnaire along with the dispute? 
XXXX XXXX I received and returned back the requested form. 
XX/XX/2020 Capital one Re-billed my credit card for {$4000.00} dollars. 
I called Capital one and they stated that they never received the requested form so I had the to resend it. When I requested the form for the second time, I realized that I had already submitted it 2 months, ( the mail has been behind ) XX/XX/2020 I called capital one about the charge and I was told my dispute was passed the deadline and that they sent my {$4000.00} dollars back to XXXX XXXX XXXX XXXX. 
XX/XX/2020 - I called the merchant and they stated that capital was never gave them back the XXXX dollars. 
Name : XXXX XXXX ( merchant XXXX XXXX aka XXXX XXXX XXXX  XXXX ) Name : Capital one ( fraud department )

Company response to consumer: Closed with explanation