vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi. On XXXX i went to my local citizens bank at XXXX XXXX XXXX in XXXX new york between the hours 1-3. I deposited between $ XXXX in cash It took 4 transactions to deposit it all completely. On the last transaction it showed the amount that was deposited. Everything seemed fine then within seconds of showing me the total deposit. The atm says invalid account then as its proceeding to give me my money back it never gives me back any money and says machine error please talk to your financial institution. So i go into the bank Explain what just happened. The tellers tells me i have to make a claim with the claims department. Leaving pretty upset. I make a claim that day XX/XX/XXXX XXXX i wait about a week and call the bank to ask my claim status. The bank says you have two claims on file Sir. I replied there should only be one claim. He says well you have 2 one for {$1100.00} and one for {$1700.00}. I tell him the one for {$1100.00} is wrong. i never made that claim. So he proceed to get rid of the {$1100.00} claim, but the claim number i origanally was given was for the {$1100.00} claim that i never made. So i asked for the claim number to the {$1700.00} claim. The bank operator gave me the correct claim number. 
3 weeks after my last phone call with the bank i got my claim letter in the mail dated XXXX. Saying the bank records indicate there was no machine error and as a result citizens bank will not be credit your account in the amount {$1700.00}. So ive proceeded numerous times since receiving the letter to talk to the claims department Ive been told everytime that someone from claim will contact me in 2 business days. Its been numerous days since my last call to them and i still have not heard from the claim department and i also asked for all documents they have to come to there conclusion. ive heard nothing from them and today is XXXX. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
AAFES continually reports to the credit bureaus that my account is in negative standing. I have sent a letter asking for validation and I have yet to receive a letter from AAFES.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Equifax 's website was down and I wasn't able to temporarily lift my credit freeze. I am applying for a mortgage and it was time-sensitive so that I didn't lose my rate. I called Equifax several times and each time their digital verification system ( I had to submit a photo of my license ) was broken. So I was unable to verify my identity that way. Then, they asked me a series of questions that seemed too difficult to answer : ( XXXX ) How many current and old credit cards do you have? Why this is difficult to answer : I had a credit card that I cancelled in 2015. I have no idea what my average monthly balance on that card was and I don't have the documents to find out. ( XXXX ) When was your credit frozen and unfrozen in the past year? Why this is difficult to answer : I've been working with XXXX banks over the past XXXX months and have frozen and unfrozen my credit many times. 

I offered to email a copy of my license, but they said I had to mail it or fax it and wait 3-5 business days to get a reply. Basically, because of Equifax 's stone-age tech, I almost got a interest rate bump on my mortgage, costly me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
My mortgage company, RoundPoint Mortgage Servicing Corporation XXXX XXXX, obtained homeowner 's insurance with XXXX XXXX XXXX because my previous homeowners insurance expired on XX/XX/2021. I was making on-time mortgage payments. Funds in my escrow account should have been applied to my homeowner 's insurance. 

I have made numerous inquiries with RoundPoint Mortgage but I have not able to obtain coverage details or a declaration page. XXXX XXXX XXXX does not recognize the policy number provided by RoundPoint Mortgage. 

I am not able to obtain a refinance loan because the refinance company requires a homeowner 's insurance policy number, coverage details and a declaration page.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2021 I had some issues with the TD Bank app. It was not working and I was getting an error message saying unable to connect to server I have attached a screenshot of it to this statement. I decided to go to a branch, the following day to make a payment but it was on thanksgiving day and the bank was closed. I had to do it the very next day, on XX/XX/2021. I have made XXXX ( XXXX ) payments in cash. One for {$500.00} and the second one for {$80.00}. I have attached a copy of the receipt to this statement. In total that day I have paid {$580.00}. The last day of my billing cycle was XXXX XXXX. So I have made the 2 payments before the last day of my billing cycle. Unfortunately those to payments have not been reported to the 3 credit bureaus. My balance before the payments was {$590.00}. My balance after the 2 payments should have been {$17.00} since I have paid {$580.00}. TD bank did not report the payments I have made to the 3 credit bureaus. I want them to fix it!!! I have sent a letter to TD bank about it ( attached to this statement ) but they have not done anything!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX of XX/XX/2021, all money have been stolen from my citi bank accounts. I have never authorized the transfer and the bank didn't send me an alert before the transfer. 

I am still waiting for the solution from the bank while all my saving and checking money has gone. They just put it as dispute and claim to do investigation. I think they should handle this more seriously and rapidly. 

I have submitted a form of " Affidavit of Unauthorized Online Wire Transfer '' to the bank.

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 2021-12-15 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Been a card member of CitiBusiness since XXXX. We have not had a lot of fraudulent transaction regarding this company. Charges for XXXX XXXX XXXX started in XX/XX/XXXX and occurred each until XX/XX/XXXX. We paid the statement amount in full every month and disputed said charges. Below is the charge amounts for each month : Date of Charges : XX/XX/XXXX {$110.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$150.00} I am attaching documents and letters sent to Citibusiness letting them know these were fraudulent charges and we disputed them. 

Citibusiness started issuing credits against said charges in XX/XX/XXXX. Credits and dates issued are listed below : XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$38.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX ( {$150.00} ) In XXXX when the last credits were issued, we consider the matter resolved and settled. 

We received a letter dated XX/XX/XXXX from Citibusiness with a copy of the merchant 's response which had inaccurate information in their dispute reversal request. They had only partial matches on the authorization information and the email address associated with the XXXX account is not associated with me or our companies. We signed the document from Citibusiness stating that I nor anyone authorized by me made this charge ( s ), along with a letter asking them to add on the auto biller updater suppression to all cards related to the account. It was faxed back over to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX we received another letter with XXXX response to more of the charges and again supplied documents that had only partially matched authorization information and again wrong email information. They requested proof we cancelled in accordance with the merchant 's terms and conditions. Example of this proof would be a cancellation email from the merchant. On XX/XX/XXXX we signed Citibusiness form stating this wasn't a charge authorized by us and sent a letter explaining we can't provide proof of something we never signed up for. Letter and signed document were faxed back to Citibusiness on XX/XX/XXXX. 

On XX/XX/XXXX Citibusiness has sent a letter advising us the charges are being reversed and the investigation is closed. 

These are fraudulent charges and we have disputed every charge from this merchant since it began.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Business Factors
State: WA

Complaint narrative:
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. The only way I have been able to get response to any request is through this system as National Business Factor phone lines are always busy ( I have tried more than XXXX times now ), and the doors are locked ( Yes... I actually went in person ). After almost 9 months of continued efforts, I have finally gotten all of the relevant documents to see what the debt is and how my insurance failed to pay the correct provider. My insurance XXXX account showed paid and never realized the check was never cashed by the provider. I am now looking to pay the debt and have the collections removed from my credit report as this was an error by the XXXX provider AND the only reason it got to this point was the failure of communication from National Business Factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
The mortgage on my property in XXXX, Oregon was originated by XXXX XXXX XXXX and subsequently servicing on the loan was transfered to Newrez/Shellpoint in early 2021. The property is in a flood zone and flood insurance as well as homeowners insurance was in place on the property at the time of origination ( and is currently in force by the same insurers ), the premiums on which are paid via an escrow account on this mortgage. All payments on the mortgage have been paid as scheduled. In late XXXX and early XXXX, 2021, I began receiving notices from Newrez indicating that the property was uninsured, that force placed insurance is ( and in one notice had been ) placed on the property. Checking with my flood insurance agent, I discovered that the premium had not been paid and the premium was overdue. To prevent a lapse, I made the premium payment directly and had the insurance agent send a notice of premium paid and declaration page sent by email to Newrez ( copy attached, dated XX/XX/2021 ). I called Newrez at that time and told them that the premium had been paid by me and that a receipt had been emailed ( to an email address they had supplied me on a previous call to discuss this issue ). Subsequently, I received a notice from Newrez that they paid the premium for flood insurance directly to the insurance company on or about XX/XX/2021. The insurance company verifies receipt of the premium and will issue a refund to me sometime toward the middle of XXXX. In addition to the issues with flood insurance, Newrez has sent notices regarding non payment of the premiums for homeowners insurance, which can be seen on the attached notices. In conversations with Newrez at the first part of XXXX, they promised letters to me, stating that all insurance matters have been cleared. To date, I have no such letters. Newrez told me that they had mailed on three occasions starting in late XX/XX/2021, a checklist related to the flood insurance to my insurance agent and that the checklist had not been returned ( they indicated that the insurance would not be considered in force until they had that checklist in hand ). I asked about the address Newrez mailed the checklists to and pointed out that they neglected to include the po box number for the insurance agent ( which appears on all correspondence from the insurance company I can locate ). Nearly two months have elapsed since there was an indication of an issue with this escrow account and no full resolution is evident. I have no confidence that this account will run as it should going forward and I would like a full and complete dated accounting for my records, including confirmation that correct addresses and email accounts are in file and all issues are satisfied.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
RE : XXXX Loan -- -originated through XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Now : Fay Servicing XXXX for XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX Tn XXXX ( for mailed payments ) XXXX XXXX XXXX, XXXX XXXX Illinois XXXX XXXX ( for automatic pymts -- -but never was able to get them to recognize the loan number ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois, XXXX ( escrow/impound account ) XXXX XXXX Fay Servicing has changed their website that required me to re-register... which I have done. Now, sometimes it recognizes my login and sometimes it doesn't. There is no option indicated for making a payment or setting up automatic payments. When my mortage was transferred to Fay Servicing ( several years ago ) I was never able to successfully set up automatic payments from my credit union. It kept replying that my loan number was not recognized. Not even the customer service rep at Fay Servicing was ever able to figure out why it wouldn't recognize the loan number. Ever since then I've been going online to make my payment each month. Now I can't even to that and it is impossible now to get a live customer service agent. I'm very concerned about how I'm going to be able to make a payment on XXXX XXXX, XXXX. I have tried mailing my payment in the past, but the payment was late by the time they finally processed it. I don't want to be paranoid but, because making a payment is so extremely difficult, I'm beginning to wonder if they'd prefer I default, or maybe they want to force me to refinance my loan (?? ). I've received and annoying number of phone calls from XXXX XXXX about refinancing my loan. Please help me set up automatic payments from my credit union. 

Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-15 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Experian Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Experian Credit Report. That means Experian failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX  XXXXXXXX XXXX-Balance {$0.00} XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXXBalance {$4900.00} XXXX XXXXXXXX-Balance {$0.00}

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 2021-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

XXXX deleted one of the accounts but XXXX and Transunion still have the account present on my profile and the information doesn't match.

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 2021-12-15 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: NY

Complaint narrative:
I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

XXXX deleted one of the accounts but Experian and XXXX still have the account present on my profile and the information doesn't match.

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