vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Simple Cash Loans, Inc.,
State: CA

Complaint narrative:
Someone took out a title loan on my car because they had stolen the my title from my residence. I did not know about this until very recently and I believe the title loan was taken out about a year ago. I have a XXXX XXXX XXXX XXXX XXXX XXXX. I purchased the vehicle in late XXXX of XXXX. I payed cash for it. The company that did the title loan was montana capital. I never authorized or would even think about taking out a title loan on my vehicle. The loan was for somewhere between {$7000.00} and {$8000.00} I believe. I do not want them touching my vehicle because it is mine and not theirs. I have the bill of sale and everything is in my name. I did not even know the title was missing. Can you please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been trying to settle all of my debt, and I am trying to do it as quickly as possible since I have a pending job offer. I was able to settle rather quickly with 8 other card companies. Bank Of America sent my  debt to XXXX XXXX XXXX XXXX XXXX. I asked them to send a settlement proposal to Bank of America. The proposal was fair for a settlement and I had to borrow money from a family member in order to pay it. I told them how urgent the matter was to me and asked if it could be escalated on XXXX. The agent advised that she would get the request over to Bank of America and it may take 1 to 3 days. I called in the morning and afternoon to make sure they knew that this was very important to get this resolved quickly. When i called in today, they agent told me that the request was not submitted until today. I was upset with this answer and he became very flippant with me. He eventually hung up on me. I called back in and spoke to a supervisor, and after a very long  conversation, he finally broke and said he would try to escalate the request. He was very stubborn for a long period of time. At this point, i decided to call Bank of America and talk to the recovery department to see if they could look at my request. The agent said that she could not see anything so I asked to speak to a Supervisor. The agent told me that no supervisors were available and 1 would ball me back in 2 or 3 days. After arguing for a while, I convinced her that I would stay on hold and wait for one. It took about 20 minutes to get someone on the phone. I spoke to the escalations manager XXXX XXXX, and she basically said she would not help after I pleaded with her for a long time. She kept saying it was stuck in the back office. I finally realized she was not going to help me and I gave up. I would really like to get this resolved today. I really just wanted someone to help. I was able to settle all my other debts with my creditors earlier in the day.

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 2020-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020, I attempted to open a Citi Accelerate Savings account online with my spouse. My spouse 's credit report was locked and I was about to be activated on Federal Title 10 Orders. In order to save time, I called the new accounts line at Citi and asked them my options. They informed me I could apply the same day for a single-owner account and add her to the account 30-days later. Following these instructions, I successfully opened a Citi Accelerate Savings account and made an initial deposit of {$11000.00} on XXXX XXXX, 2020. 

Today, XXXX XX/XX/2020, I attempted to login to my online banking and was greeted with an error message asking for my savings account number, ATM card number, and PIN number as something had been 'mismatched. ' After over 3 hours on the phone, I was told my account had been closed, they can not tell me why, and to wait for mail correspondence in 10-business days. They also informed my that my {$11000.00} was inaccessible and would be up to 90-business days until I receive a check for the balance. Now, in the middle of a pandemic, my life savings are being held for up to a quarter and for no discernible reason. It is important to note that the  only activity was the singular initial deposit.

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 2020-09-01 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I noticed a hard credit enquiry from XXXX XXXX. This enquiry occurred on XX/XX/2020. I called XXXX XXXX to find out who made the enquiry ; they have no record of the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I'm on a CARES forbearance. I've been paying as much as a can, I'm currently 30 days behind. My initial 6 month forbearance has been approved, but I've been unable to make contact with the servicer to extend the forbearance. I've sent emails, left voice messages and tried online to extend the forbearance. They do not respond. I'm scared and I need help

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: Conduent Incorporated
State: GA

Complaint narrative:
I activated my way2go unemployment card an it's still saying no money on there. Its been MONTHS. It doesn't show on my claim where it says Paid out. Help please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2020 Sub : Discrepancy on the refund amount after closing the below mortgage loan. 
Mortgage loan : XXXX Whom it may concern As per the Mortgage statement dated on XXXX XX/XX/2020 the outstanding principal balance for the above mortgage loan is {$410000.00} and the escrow balance is {$3000.00}. The final amount to the close the above mortgage loan on XXXX XX/XX/2020, as the bank stated, was {$420000.00}. That means the bank charged me {$2100.00} for the time period from XXXX XX/XX/2020 to XXXX XX/XX/2020. However, the interest amount for a loan with an outstanding principal balance of XXXX at the rate of 4.25 should be much lower than the charged amount. 
On XXXX XX/XX/2020 a refund check was issued for an amount of {$3200.00}, check number : XXXX, after the above loan was paid in full. However, based on the actual calculation I should have received an additional refund amount of at least {$440.00}. 
I request you to please take a look into this matter. Multiple inquiries were made to the Santander bank on XX/XX/2020 and XX/XX/2020 but no explanation was received. I request you to please take a look in to this matter with the attached documents. 
Thank you XXXX XXXX XXXX XXXX XXXX  XXXX, MD 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 2020-09-01 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website r by calling and paying in person. i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly called the company and paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2020-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is a complaint about Citibank. 

In XX/XX/2020, I opened and funded a Citibank Savings Account with {$76000.00}. Two months later, I tried to transfer {$95.00} out of that account and was informed that my account was " locked ''.

Six months later, my account is still " locked '' and I do not have access to my funds. I have talked to over 25 people at this bank ; customer service reps, managers, tech support, fraud department, etc. and no one can tell me why my account is locked or how to get it unlocked.

Two different representatives told me to visit my Citibank branch to get an answer. I live in XXXX and the closest branch is in XXXX XXXX ; 830 miles away. When I called that XXXX XXXX branch manager, she just laughed and had no suggestions.

I've sent multiple emails. I've even sent two registered letters requesting that my account be closed. I've been promised three times, by bank representatives, that they will investigate and get to the bottom of the problem. 

So far ... crickets. 

No communication from the bank, my account is locked and I still can't get to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Joint credit card with Capital One Credit Card. Payments made by ACH ; XXXX XXXX rejected the ACH payment due to a bank error. ACH payments reversed off credit card, while auto charges applied to credit card continued - forcing the credit card to be over it's credit limit. Credit Card company reported the high credit amount as - " Highest Balance {$18000.00} '' while credit limit is only $ XXXX therefore credit report reflects as if we went over our credit limit. Bank admitted to the error and issued an update to Capital One to correct " Highest Balance '' error. Dispute with Capital One Credit Card results in - correctly reporting the status of the account with the Highest Balance at the {$18000.00} which is affecting credit score and causing harm due to trying to refinance. XXXX XXXX  admitted fault, and issued a letter of correction to Capital One and I issued copy of the same letter with dispute ( as this occurred over 3 months ago ) Capital One is not honoring letter from XXXX or our dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Hello, My complaint is with Mr. Cooper. I owned a property in XXXX XXXX, in which I was approved by Mr. Cooper for a forbearance plan from XX/XX/XXXX to XX/XX/XXXX. I was sent approval documentation stating that I was approved for this forbearance plan ( attached ) and that I did NOT have to pay a mortgage from XX/XX/XXXX - XX/XX/XXXX and I would NOT be marked as delinquent during that time period. Mr. Cooper marked me as " 30 days late '' for not receiving a XX/XX/XXXX payment which dropped my credit score by 100 points! On my credit report Mr. Cooper marked me as " late '' on XX/XX/XXXX which was in the middle of the approved forbearance. I disputed this on XX/XX/XXXX and was told by multiple Mr Cooper representatives I shouldn't of been marked late as they see I was approved for the forbearance plan. It has taken 40+ days to hear back ( they told me it shouldn't take more than 30, but usually resolved in less than 10 days ) and Mr. Cooper sent me a letter stating "  We didn't mark you as late so we will not be contacting the credit bureaus '', however I have a copy of my credit report showing they DID mark me late and it dropped my score 100 points which is horrible!

I'm in the process of refinancing my home but I'm unable to get approved now due to the Mr Cooper inaccuracy and my score dropping 100 points. With rates being at all time lows I don't have the luxury to wait for Mr Cooper as this could make a major impact on my ability to save hundreds of dollars a month over the duration of my loan. Mr. Cooper has been extremely unresponsive and unhelpful throughout this  entire process. 

I have copied my forbearance approval, my credit report showing the inaccurate late payment and Mr Coopers response of not taking accountability for the inaccuracy they levied against me with an incorrect late payment reporting. I'd appreciate your help in this matter, thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
There was not investigation for the dispute just a standard response : Reference XXXX I do not recognize these inquirers on my credit report and requested the Experian to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX EXPERIAN BUSINESS CRED   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with Experian and XXXX  the response is automated stating the information is verified and never investigated. Please remove ASAP.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC
State: WI

Complaint narrative:
XX/XX/2020. Received a call from Miss XXXX advising me of an out of court settlement for my debt owed to XXXX XXXX. I have never received any letter stating my debt nor have ever heard from this person before. She left a message saying they have been trying numerous times to contact me. She told me I basically had 24 hours or she would recommend further action. This is not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TX

Complaint narrative:
I recently submitted a dispute with Experian regarding inaccurate and negative accounts on my credit report. I also submitted supporting documentation from XXXX, the company Experian stated verified the non existing accounts. XXXX has submitted two disputes on my behalf in which Experian has not responded. The completed investigations was determined verified and remains on my report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( original documents with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX 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 2020-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I have been a customer of TCF Bank for over two years. I have a home line of credit. I enrolled in online banking to accommodate payment. 

Over the course of two years the bank has changed my online banking user name and password, at different times without letting me know. I try and call and have spent more than 2 hours on the phone waiting. I have been able to perform a one time payment, but as of late, that window is gone from their website. Over the past 2 years, the bank continuously has gotten worse, and now I am completely locked out! 

I have been attempting to communicate with this bank for over 2 months to make a payment. Their only response was a generic return email with the online link and no other contact information other than the 1800 umber that places one on hold for days ... literally. Now The online system is not even taking my account number and no one is answering the phone, so I am only left with an automated email that sends me back to the website, and then we start all over again. 

As I write this, I am on my 4th hour waiting and I now, since we are in different time zones, their office is closed. I have a job, I have a XXXX  mother and kids in full shelter in place who need my attention - I can not stay on the phone for eternity. But I mean, who can stay on for days really? I am starting to doubt there is anyone really there. 

The main issue I have is that this will now affect my credit and I have learned from the past just how hard it is for a consumer to challenge that claim. This is completely unfair and I am at the end of my rope! I am tired of this professionalism and if I could, move my loan from this institution as it is gone from bad to extremely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
I reached out to XXXX  XXXX XXXX, XXXX, and XXXX  XXXX for a payment history but they told me that I can get the payment history from online. I printed out the online payment history and sent them to all three credit bureaus along with a disputed letter telling them to update my payment history to reflect the printout. They updated some payments and then changed the undisputed payments than what they were prior to the dispute. All three credit bureaus are reporting something totally different, so how are they actually being verified/validated by the furnishers?

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 2020-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
ACCOUNT PAID IN FULL Navient your Federal Family Education Loan Program ( FFLEP ) Federal Comsoldation Loan Application and Promissory Note loans do not match what is in the NSLD/FinAid account amounts. The NSLD original amount of loans come to {$33000.00}. I have 3 receipts that reduce that amount. The First : The XXXX loan you listed as paid for in consolidated was not for {$2800.00} the loan is in default. The Second receipt the loan for {$5500.00} was reduced by {$2100.00} money return to lender XXXX XXXX XXXX = {$3300.00}. The third the loan for {$4500.00} was reduced by the school to {$2000.00} and then returned in the amount of {$2000.00}. The amounts of $ XXXX $ XXXX {$10000.00}. Then this amount was subtracted from the original amount in the NSLD of {$33000.00} - $ XXXX {$22000.00}. Then the original amount was subtracted from XXXX XXXX amount of {$49000.00} = {$27.00}, XXXX the exceed balance. The $ XXXX $ XXXX {$4400.00}. The Borrower Certification and Authorization form page 4 state exceed money amounts must pay off the balance of the loan then the rest of the money goes back to the lender XXXX XXXX. 
Documents sent : Loans in the NSLD/FinAid 3 receipts two from school return money to XXXX XXXX Page 4 Borrower Certification and Authorization were state what do with excess money ( E ) XXXX loan not paid nor consolidated and in default

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dispute the late payments on Ashley XXXX Synchrony bank, not late as reported.

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