vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2020 Citibank closed my checking account without notice. They informed me that it would take 30-60 days to close my account and before they could remit payment to me for the funds remaining in my bank accounts. This created a SEVERE financial hardship on my family, as this was 100 % of the money that I had to my name, literally leaving me with not even {$1.00} in cash for my family to survive. We have been getting food from food pantries, living with relatives, and are entirely dependent on others for our well being and necessities of life ; my children have even went without medical care due to my inability to pay the co-pay for doctors visits. However, we have survived the very long 60 day time period. The full 60 day time period was up on XX/XX/2020. However, Citibank has NOT returned my money to me yet and I have left several phone messages with their Executive Response Unit, as well as emailed them and they have provided me with no response whatsoever as to the status of payment for the funds remaining in my account. I can not get them to return my phone calls or emails ; I have struggled and waited the 60 days that they stipulated in their response to my initial complaint ( case # XXXX ), I have reached out asking for a status update on the check they are to issue me as payment for the funds remaining in my accounts ( in excess of {$13000.00} ), yet I still get NOTHING from Citibank - no return call, no reply email, and certainly NOT ANY of MY MONEY!!! Its extremely frustrating that I have done everything stipulated and STILL can not get the money that is rightfully mine and desperately needed to provide for my family. Given their refusal to return my money and lack or any response to me whatsoever, it feels very much as if Citibank has stolen my money and wont even have the decency to speak to me about it, when my family has SUFFERED massively due to their poor decision to close my accounts and then keep the funds I had in those accounts. It is without a doubt the most horrible customer service I have ever received in my life, with little or no respect given to the troubles and trials my family has had to endure because of their poor decisions. It absolutely disgusts me that I am having to file yet another complaint just to get my own money returned to me or that I am forced to Beg for my own money to be returned.

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 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: OR

Complaint narrative:
Closed RV loan with new buyer from out of state XX/XX/XXXX. Oregon Title was to be sent to me, sign title, and forward on to new owner in XXXX WA. I called US Bank ~12 days ago ( XX/XX/XXXX ) asking why I had not received title. Customer support person " XXXX '' took my call. He indicated title had never been sent and it would be sent ASAP. I asked for email or phone verification when title is sent. He indicated yes he would do that. I recalled yesterday ( XX/XX/XXXX ) asking AGAIN where title was and why I had not received it. Customer agent " XXXX '' took my call. After lengthy wait on phone, she indicated release of lien could be faxed or snail mailed to me. I asked where is the title? She indicated they did not have DIRECT contact with US Banks title division. I asked to speak to manager. They assigned " XXXX XXXX '' to my case. I asked him if he could call the Title division. He said No they can not call them directly. He indicated he would EMAIL them and ask why I have not received title and if it could be expedited. If it has been lost, he indicated release of lien could be sent to me. I asked if it could be done overnight and he said NO. I has since called XXXX XXXX today XXXX XX/XX/XXXX XXXX and left vm for him. I have now waited more than two months for the title for this rv. The new owner has contacted me asking where the title is and why he has not received the signed over copy from me. I do not have an answer for him. He is unable to register the vehicle in WA without title or release of lien.

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 2020-09-03 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Collections ( Portfolio Recovery ) reporting incorrect DOFD to keep on credit report, over 8 years old and have not made a payment within 8 years. I have asked for proof of original opening date and date of last payment ( they will not provide ). My attempts to dispute through credit bureau and collections are futile. This debt is so old, greater than 7.5 years. I would greatly appreciate any help in removing this old debt from my current reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Original complaint XXXX was filed on XX/XX/XXXX. I have received no response from Ally Financial regarding seeking a refund on a cancelled Classic GAP contract. 

The GAP contract was cancelled on XX/XX/XXXX and I have not received a refund. Classic GAP states the refund was sent to XXXX XXXX however they were no longer in business at the time Classic GAP says they mailed the refund to the dealer. 

Per the attached cancellation form I am due a refund in the amount of {$230.00}. This loan is to be satisfied in the next 30 days aside from this remaining balance that will incur interest until refunded. I will not pay interest incurred as Ally was made aware of this complaint but has failed to follow up or act.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data International has refused to provide any validation of debt. After speaking with XXXX  ( original creditor ) and confirming that I have a {$0.00} balance, IQ Data still will not remove the debt. I have called in multiple times to just get a settlement in order to no longer deal with this company, despite them violating my rights as a service member and citizen. Yet, when I call I get yelled at and hung up on multiple times. XXXX XXXX ( employee at IQ Data ) refuses to even provide me with a number to pay. 

Not only are they trying to collect on a debt that is not owed, they won't adjust the interest they have charged in accordance with the service members relief act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
RP Funding is reporting customers in CARES act forebearance as late and delinquent on credit reports in violation of cares act. RP Funding has refused to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This is the third time I am sending a complaint about phone calls I have been receiving for almost 2 years. It is from an organization that will not tell me their name, but tell me I have a debt with HSBC dating back to 2008. 

I have received letters from HSBC stating this debt to be false, yet they still are calling. At XXXX XXXX  EST today, someone called me from the number of XXXX XXXX XXXX attempting to collect this debt again. When I told them to take me off their list, the person on the other end said, " I can't ''. When I proceeded to tell them about the documentation I have proving them wrong, they hung up. I called back and they wouldn't pick up. I am tired of these phone calls. I want them to stop. I have been sending these messages to the XXXX and it still does not help. I want them to be over with. Please stop them from calling. I am a man who suffers from XXXX XXXX and the stress these phone calls cause affect me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TN

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 dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony refuses to allow me to update my address and I've revoked my consent for electronic disclosures. 

On a call that occurred on XXXX - I revoked consent to electronic disclosure. 

Paypal and Synchrony are discriminating against me because I'm an unmarried XXXX male. During the call the fraud person stated that he needed to speak w/ my spouse to update the address. I'm not married. This is not acceptable.

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 2020-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I can not get a human on the phone to talk about my refinance, they changed the refinance term without my approval, no one will help me from Roundpoint mortgage. I have spent 7 days on hold and sent 50 emails.It went from 30 years saving over XXXX a month of my loan to 25 years saving a little over XXXX a month. That makes no sense, I would have never changed from a 15 year loan to 25 to save a mere XXXX dollars a month.

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 2020-09-03 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: FL

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Experian disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX Experian mailed me back the investigation results. The results was verified as accurate and no changes to my credit file. I have provided Experian proof of my bank statement highlighted the amount that was paid on time in XX/XX/XXXX for the amount of {$110.00}. On my bank statement it shows XXXX which is part of XXXX. The telephone number provide on my credit file is listed as well. I'm having difficulty with Experian to correct my credit file.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Im writing in reference to the Transworld Systems # XXXX account that is listed on my credit as having gone to collections. Im writing to appeal that this be removed from my credit as it is hindering my ability to rent an apartment or obtain a credit card. I was XXXX living at home and under the care of my parents who were also responsible for my medical bills. I had XXXX XXXX XXXX XXXX on my XXXX. The original XXXX happened when I was XXXX and then some surgeries followed after I turned XXXX. Unknown to my parents at the time this bill slipped into collections. As soon as we were made aware it was paid. I hope that you can see that this should not be a reflection on my ability and to secure and pay credit or rent responsibility. Thank you very much for your consideration in removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX XXXX  XXXX Transunion XXXX Second Round XXXX   XXXX XXXX  XXXX TransUnion 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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX Experian XXXX XXXX  XXXX Second Round XXXX    XXXX Experian XXXX 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 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Infiniti continues to report inaccurate information to my consumer credit file. When I log into InfinitiFinancialServices the account immediately reflects a balance of {$1300.00}. Infiniti continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. 

I have attached two supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.

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 2020-09-03 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have paid in FULL my collection account with portfolio recovery which is a collections agency back in XXXX of 2020. They have already reported their portion to the credit bureaus. But the original creditor which is Comenity Bank/ Victorias Secret has not deleted or at least updated charged off status notations to PAID IN FULL. I spoke with collections agency and they stayed they already updated their part but can not change delete the reportings made by Comenity Bank/ Victoria secret . In speaking with Comenity they are refusing to assist in either deleting or updating the ACCURATE information which is not charged off but paid in full. And it has been this way for months since XX/XX/2020. They are stating at Comenity The day do not make a notation or adjustments that I have to speak with the collections agency but they are not understanding the collections agency has done their job and Victorias Secret has to do their part of their job and they are not willing to assist. This is continually affecting my credit report. I did my part in good faith by paying in full and declining their offer to settle for less. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones that showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones it showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. They are just telling me there is nothing they can do after taking my payment at the collections agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, Equifax and XXXX I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with Equifax XXXX Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX   XXXX ). This is the only amount that still shows up on each statement until XXXX   XXXX XXXX attached statement ). The statement for XXXX XXXXXXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.

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