vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am requesting for late payments from XX/XX/2020 and XX/XX/2020 be removed from American Honda Finance on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. I contacted American Honda Finance in advance to make them aware of my situation twice and I was advised that there was no assistance available ( ie. reduced payments, deferred payments, etc. ). 

Additionally, I requested for removal of the late payments and my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened a Prime Equity account with Wells Fargo many years ago.

In the past I have made payments to pay down the princpal on the loan.

In the past when I received my new statment it would show on the first page = Total Amount Due = which relfected the amount of interest I now needed to pay due to the reduced principal amount. 
In XXXX of 2020 ... I made a {$10000.00} payment on the principal. 
My XX/XX/2020 statement from Wells Fargo stated the Total Amount due was = to {$0.00}. 
I called Wells Fargo, to ask why the new interest payment was not reflected in the Total Amount Due. They advised - it was due to the large payment I made in XXXX, and the timing of the payment, thus no payment was due. 
My XXXX statement also showed Total Amount Due = {$0.00}. 
I call Wells FArgo, they advised it was due to the large payment made in XXXX. 
I requested to speak with their Executive Office. Their Executive Office advised that the interest accrued was displayed on other pages in the statement. 
I told them I found this new, very confusing, and almost seemed to not show me how much interest was now due ... .even though it was still accruing.

Basically, they advised this is what they are NOW doing..

Thus, I am bringing it to your attention..

Please research and advise if this is legal. 
Thank you, 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 2020-09-09 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:
Account was opened fraudulently using my personal info. This was not authorized by me.

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 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
XX/XX/XXXX Capital Accounts LLC placed a collection account on my credit file with XXXX  for {$730.00} ( see attached credit report ). I had no information on this account from the original creditor or the collection company and had no chance to request validation of the debt. I filed a complaint with the CFPB on XX/XX/XXXX complaint XXXX. Capital Accounts LLC responded, " We have made several attempts to contact consumer with no success '' this was a lie to the CFPB. Capital Accounts did then contact me XX/XX/XXXX giving me 30 days to challenge the debt ( see attached letter XX/XX/XXXX ). Clearly, if they had contacted me earlier they would have not needed to send this letter and therefore have lied to the CFPB and broken collection laws. I responded to there request on XX/XX/XXXX within the 30 day challenge period ( see attached letter and evidence of delivery ). Capital Accounts LLC then contacted me again on XX/XX/XXXX having received my challenge - again violating the FCRA. Finally, CFPB has received no response from the original creditor about this the complain filed XX/XX/XXXX - I request that CFPB take immediate action against Capital Accounts LLC.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I went to ( XXXX XXXX ) on XX/XX/2020 to acquire a 2020 XXXX XXXX limited for {$34000.00}. I was informed that the so called lender couldn't not finance the entire transaction ( XXXX XXXX XXXX ) but only partially. From my understanding as a consumer and creditor to the account, the approval of credit transaction comes directly from me, given my right as creditor to defer payment, my security interest given in the contract, And my status as consumer also clarifies this fact. Live communication was given to explain this to the so called lending institution. The purchase of the security by a third party is in fact a credit sale on my behalf by the dealer ( XXXX XXXX ) to ( XXXX XXXX XXXX ) a third party labeled as a debt collector. In return i should have received my portion of the claim via my security interest given within the contract, and my property being the automobile. Also the companies Transunion and XXXX have inaccurate accounts posted on my report and have yet to furnish my permission of the report or the name of the individual who reported the information to them. This has made my ability to obtain credit extremely difficult.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went to ( XXXX XXXX ) on SepteXX/XX/2020 to acquire a 2020 XXXX XXXX limited for {$34000.00}. I was informed that the so called lender couldn't not finance the entire transaction ( XXXX XXXX XXXX ) but only partially. From my understanding as a consumer and creditor to the account, the approval of credit transaction comes directly from me, given my right as creditor to defer payment, my security interest given in the contract, And my status as consumer also clarifies this fact. Live communication was given to explain this to the so called lending institution. The purchase of the security by a third party is in fact a credit sale on my behalf by the dealer ( XXXX XXXX ) to ( XXXX XXXX XXXX ) a third party labeled as a debt collector. In return i should have received my portion of the claim via my security interest given within the contract, and my property being the automobile. Also the companies XXXX  and Experian have inaccurate accounts posted on my report and have yet to furnish my permission of the report or the name of the individual who reported the information to them. This has made my ability to obtain credit extremely difficult.

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I realized my checking account was on hold/closed on XX/XX/XXXX when I tried to make a purchase. I never received a call or letter from Suntrust Informing me my account was under investigation. I immediately called and spoke with a representative. The representative told me she could not provide me with any information other than my account is being investigated and Suntrust had decided to close my account. I asked for a timeframe as to when my funds will be mailed to me and the representative could not give me any information about that. 

I asked to speak with a supervisor. The supervisor echoed what the representative said. I ended the call. I called again on XX/XX/XXXX. The representative told me that the account was still under investigation and that no timeframe can be provided. 

Today, XX/XX/XXXX, I called and spoke with two representatives. The first, finally told me my account had been under investigation since XX/XX/XXXX. She also told me the investigators had 15 days to be settled. It has been well over 15 days. I asked to speak with a supervisor who echoed the same information but could not provide a date or timeline. 

I have tried to resolve this issue several times. The representatives have been rude, inconsiderate, unsympathetic, unapologetic, and unprofessional. On several occasions I have asked to speak directly with the investigator. I was told that is not possible. 

We are in the middle of a pandemic. This is all the money I have to support myself and XXXX I have been more than patient.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XXXX of 2019 Citizens Bank put a late payment on my account.This was an automatic pay issue. Although Automatic payment was set up payment did not go through. I thought the issue was solved until i noticed my XXXX XXXX notification. I tried speaking with supervisor but were not able to help. This was not my fault but I was held liable for a computing error. It is the only payment from all of my cards that I have ever made payments " late ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 I notified Citibank that two checks that were written from my account was not cashed by the intended party. I have presented the issue to the lender citing the checks that were presented to be cashed were not endorsed as is done on all other checks. I have offered my sworn affidavit indicating the intended party never received or cashed the checks as evidenced. the banking institution refuses to credit my account with the money requested. It has been one year and three months and I am still waiting for my money to be credited and or reimbursed by Citibank, accordingly. I have been with this bank for seventeen plus years, without incident and they will not review this internal fraud and ultimately refund my money. I have attached proof for reference. the checks in question are as follows check number XXXX in the amount of {$160.00} and check number XXXX in the amount of {$600.00}. My complaints and calls are not being addressed and handled accordingly.

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 2020-09-09 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: CA

Complaint narrative:
Account was opened fraudulently using my personal info. This was not authorized by me.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After already possessing a Capital One card, I applied a Capital One Platinum card. 
1. I went through an authentication process online by logging onto my Capital One Account, linking the new card with the existing. 
2. Authentication of identity regarding my social security number, date of birth, address, income, place of work, and other data was tendered. 
And yet, I was asked to " email my state identification or driver 's license '' to Capital One. From a racial equity, civil rights, and consumer protection perspective, the demand that XXXX  consumer, or any consumer, be made to transmit sensitive information via email when alternative means of identification authentication exists in my case is a violation is wrong and contrary to consumer law.

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

Complaint narrative:
This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called BMO Harris Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, I was reported 30 days late to the credit bureaus. I am still currently in the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by BMO Harris Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.

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 2020-09-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern, On XX/XX/20 I received the following deletion letter from XXXX XXXX requesting the deletion of collection item via all credit bureaus. Please note that as of XX/XX/20, the collection item is still on my credit report regardless of the multiple disputes and after providing Experian with the deletion letter. 

The Compliance Supervisor from XXXX XXXX sent the me the following email stating the following : " I wanted to reach out and let you know that we are still working towards resolution on this matter. Experian has advised that our deletion request had been rejected. We were informed that they would be looking into this matter. We will be following up with them today to see if they were able to resolve the issue on their end and delete our information. '' It is important to note that this collection item was removed from XXXX and XXXX earlier this year.

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 2020-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
Om XX/XX/XXXX I submitted a mortgage refinancing application with a new lender in Virginia. 
I also have a HELOC with Charles Schwab which is serviced by XXXX XXXX. 
I was told today XX/XX/XXXX that Charles Schwab Bank will not allow its HELOC to be subordinated to the new first loan thereby causing my refinancing application to be denied. 
All communication about the HELOC is handled by XXXX XXXX  I have NOT received any information about this " policy change. '' This policy is blocking consumers from taking advantage of the decreasing interest rates and improving consumer financial health. 
Charles Schwab will only subordinate my HELOC ( that dates to XXXX  ) if I write the first mortgage with Charles Schwab. 
How is this an appropriate policy to block all existing customers from refinancing? 
Thank you for your assistance.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear CFPB : Please accept and investigate my ongoing dispute for a {$400.00} erroneously debited from my prepaid account stemming from a failed ATM withdrawal transaction occurred on XX/XX/20 in XXXX convenience store located at XXXX XXXX, XXXX TX. 

Please find the attached documents including a failed receipt transaction submitted XX/XX/20, again on XX/XX/20 and on XX/XX/20 to American Express BlueBird proving that I had received {$0.00} cash except for a receipt showing that the transaction had been failed. As of today, I did NOT receive any proof or receipt from the ATM Operator that any cash had been dispensed as it should have, or any proof such as video footage as to whether any cash had been dispensed from the machine. Although I did return to the store to dispute a failed transaction, I did NOT, however, get a refund or support for a resolution. I hereby attest that the ATM did NOT dispense any cash as requested, and therefore, my prepaid account should have received a credit for a {$400.00} that had been previously debited in error. As the ATM machine could be faulty or potentially been compromised, I truly regret to use an ATM machine there where not located in a bank or not operated by a bank As the store or by the ATM machine has a camera, I hereby ask that the store and/or the ATM operator will review and provide footage of the related incidence in dispute. I'd appreciate a prompt and fair investigation and resolution to the matter. Meantime, I respectfully ask for a provisional credit of {$400.00} to my Bluebird account while waiting for additional proof and resolution. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC
State: PA

Complaint narrative:
On XX/XX/2020 i contacted GLOBAL LENDING SERVICES for clarification on why my application for credit was denied. I was given a multitude of answers in which none made any possible since to me. One representative informed my my application was approved, but for only a partial amount of the debt created. As i asked for a supervisor i was then told that they never received an application after i gave the same gentleman the application number i received directly from the sales manager. In addition i informed both individuals that i was the comsumer and creditor within the transaction and also that i was the entitlement holder over the account of the participant. For even more clarification i then asked the sales manager at XXXX XXXX was the application considered in-house financing in which he replied yes. After relaying the information back to Global lending services they claimed they never received or approved any contract or application applying to me when i just furnished the information indicating such fact. They also required a fee to release any credit or approval to me in which i understand is a violation under title 15.

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

Complaint narrative:
This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.

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 2020-09-09 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: CA

Complaint narrative:
This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.

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