vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
In XX/XX/2019 freedom mortgage reached out to me about refinancing my home, I was a little hesitant but went on with the process. Now here it is the end of XXXX and we still haven't closed, although I have received at least 4 calls/texts/emails saying it's time to close, but when I call back there is another stipulation. I was told SEVERAL times we wouldn't have to make a payment on our current mortgage since they were gon na be paying it off, but then they came back and said we couldn't move forward until XXXX payment was made, at this time a late fee was applied, they promised to have it removed, its still not removed. After being promised if we paid the XXXX payment we would move forward, we still haven't. I have now had to pay XXXX payment. No one will return my calls or emails at this point. Several weeks ago I was told my case was being expedited, not sure what that word means to them, but a month later and still no response is unacceptable! Having to come up with 2 payments I was previously told not to worry about has put a major strain in my life and no one there seems to care about their negligence. Makes me wonder if this is even a legit company!

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In 2015, I applied to move into XXXX at XXXX but I never moved in to the establishment. Recently, I got a collection notice for {$780.00} regarding the establishment. I tried to contact the apartment complex but my calls and emails have been ignored on numerous occasions. I just want to get this removed from my credit report because it was falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and TransUnion are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And Trans union is showing the account was closed negatively and sold to a new creditor. Which is false.

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 2020-02-19 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: DISCOVER BANK
State: NY

Complaint narrative:
This complaint is additonal information from the 1st complaint I had previously submitted. I have been having an issue with my discover card. I complained in my first complaint that there was frudulant activity on my card. I had received the credit back after the investigation however a month later they put the fraudulant funds back onto my credit card. They want a police report. I went down the precient and was told they can only fill out a field report which is not what they are looking for. I also complained about not being able to view my account online anymore. I was told they will fix that and allow me to view my account online. They never did. Yesterday XX/XX/2019 a payment arrangement that was previously arranged I had changed to a different date. Upon completely the date for the payment to come out I had asked why I am still not allowed to view my account online? I also stated I was told in the last conversation last week it would be fixed. I was put on hold for over 45 minutes waiting to be transferred back to customer service to resolve this issue. However after a 45 minute  wait I hung up. I am very upset at the fact that I am being billed close to {$1700.00} plus interest and fee 's that accured do to this fraudulant activity and on top of that I still can't get online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I started a bill error complained on XXXX for an charge from XXXX XXXX XXXX, which Suntrust Bank dont want to Investigate because the 60 day Rule has pass ( copy attached of the latter ) is my Understanding that by Law ( CFPB ) is two years. 
Please investigate Thank you XXXX XXXX SunTrust Bank XXXX. XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX : Credit Card Number ending : XXXX Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for your inquiry on your SunTrust card account. 
SunTrust has received notification regarding your billing error dispute with XXXX XXXX XXXX. Per the cardholder agreement SunTrust must be notified within sixty ( 60 ) days from the statement/billing date on which the error first appeared. We did not receive your billing error notification within this time period ; as a result your dispute case has been closed. 
Should you have any questions or require additional information, please contact our office at XXXX. 
Sincerely, Fraud Assistance Center 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 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Credit Card- Discover sent me a email stating there were multiple fraudulent charges mentioned on my account. I confirmed with the creditor which purchases were fraud and they proceeded to mail me a new card. I received my new card but, before I could use it I received another email ( from Discover XXXX that IRS needed me to complete a 4506-T form for account verification. Skeptical, because my account was recently hacked, I asked the Rep to verify my account info before I complete the form. The representative refused. I proceeded to disregard the request at the risk of it being fraud due to the recent activity with my account. Yet, I still completed the form because- it's the IRS ! I began receiving more of the same request and was contacted by a representative. I informed the rep that I completed the request and he proceeded to tell me to disregard his call. I then received a email from Discover on XX/XX/2020 stating " we need to talk right away ''. I returned the call within 48hrs just to be told my account was deactivated " due to business reason. '' I asked to speak to a superior for better justification but she could not get a Manager to answer the call. The representative took my information and complaint to have my request reviewed by a manager for a return phone call. I never received a call back from Discover, but I contacted them AGAIN for reason why my account would be deactivated ( XX/XX/2020 ). The representative now discloses that my account was closed because of an address dispute. This is poor Management at the least, but discrimination by a company with such history could be argued. I am a XXXX XXXX who gets appointed to sites for work. Therefore, I have a primary address and my current address. Such a clerical justification could have completely allowed for customer satisfaction if properly considered. But, that's not the case in this matter. Instead, the customer has to have a blemish on their credit report : aging history, debt to income, etc. Not to mention, I never had a late payment with the creditor. I hope you consider my complaint reasonable and justified. Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 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: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
On XX/XX/2020, I have made a payment to my credit card by cash for the amount of XXXX USD. Before making this cash payment of XXXX USD, I was explicitly told by the HSBC branch employee that my payment will show as an available credit on the next business day ; however, this was not the case. Historically, there was a payment of XXXX USD that was returned to the original source per my request which triggered an account review of my credit card ; however, per my phone conversation with the HSBC employee, the restriction was placed on the XXXX USD amount which was made by cash because the funds may get reversed again. I explained to the HSBC employee that, per my understanding, a cash payment can not be reversed but HSBC insisted that I must wait 10 business days even though the payment was made in-branch by cash. Attached is a receipt confirming the payment was made by cash. This payment was made by cash as I really would like to use HSBC 's 0 % APR promotion to transfer my balances over ; however, I am already over the 60 days period for this promotion and now because of this restriction the promotion period has ended and I am unable to transfer my balances using this promotion. I was planning on transferring my balances ; on XX/XX/XXXX, a day after I made the cash payment ; however, I was unable to do so because my account has been restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/20 I electronically deposited {$7000.00} to my Bank of America checking account from a XXXX XXXX checking account via the BofA mobile app. We left the next morning on a week 's vacation We returned from vacation on XX/XX/20 and noticed that the above deposit did not show nor was there an email receipt. I then redeposited the same check thinking it did not get properly processed. I received a confirmation email at that time. On XX/XX/20 the second deposit first cleared and then reversed due to it registering as a duplicate deposit. We then checked the XXXX account to find that the check, # XXXX, cleared the XXXX bank on XX/XX/20. 
On Tuesday XX/XX/20 we followed up with XXXX fraud who discovered the check was in fact deposited into a BofA account owned by XXXX. In addition BofA honored the {$7000.00} deposit on XX/XX/20. 
On Tuesday XX/XX/20 BofA reversed the {$7000.00} credit, an explanatory letter was mailed which I have not yet received. 
On XX/XX/20 I spent 2 hours with various BofA persons, in person and on the phone to try and rectify the problem to no avail. They ended up telling me to talk to XXXX there was nothing more they could do. XXXX suggest I wait to see if the letter indicates how the {$7000.00} is being dealt with, perhaps it will be returned to my XXXX account. As of today it has not been returned. 
According to the XXXX fraud team the original check was first processed on XX/XX/20, sequence number XXXX, check number XXXX. The second deposit attempt on XX/XX/20 was sequence number XXXX and was immediately debited back out as a duplicate deposit. 
No one either at BofA or XXXX XXXX can advise me of what I need to do to get my money returned. 
I am attached a check image of the processed check from 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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
i have a debt that went into collections from a apartment that i was never sent the bill from. the amount is XXXX, the collection company is trying to charge me interest on this debt, but they never sent me a break down on why this is the case. they never sent me any notices or proof that they sent them out. in the state of California its illegal for debt collectors to charge interest on a debt unless if it was stated in the original contract with the original creditor. this is violation of the fair debt collection act section 1692 this is what the act states " The good news : A debt collector can not charge interest or fees that weren't defined in your original contract. Debt collectors aren't any different from the original creditor when it comes to interest charges and fees. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ) .XX/XX/XXXX '' i also sent them pay for delete letter over 3 weeks ago and sent several emails and they never respond through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: EQUIFAX, INC.
State: VT

Complaint narrative:
My homeower insurance on XX/XX/XXXX jumped more then 10 % due to my credit score. 
We have no debt other then the credit cards we use, less then {$2000.00} a month. 
Our credit report from Equifax when down 6 point with a increase of {$74.00} total of the three cards.We are in our 70s the RMD and capital gains made our 1040 AGI of  {$96000.00} in XXXX to {$140000.00} in XXXX .Our XXXX  accounts have over {$50000.00} in cash and {$460000.00} in margin account.We funded a XXXX  XXXX   CD account this last year that has over {$400000.00} in it now.I didn't know I had to keep track of my credit score if you don't need credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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 — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I got vanilla  visa prepaid card as a gift XXXX $ value. In the moment I activated it on their website on XXXX, XXXX XXXX $ were pending for XXXX transaction I havent made. I tried few times to call them and dispute this transaction, they told me to call in 1 week, I called again and they said they will start dispute after I fill the form from them. They wrote down my email and I never heard from them again. Than I tried to call them and the same situation happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Today is XX/XX/XXXX and I call capital one three times they were very rude and very disrespectful and Im a customer and I was calling to see if they can help me to reset my username and password so I can log online to look at my account they have transferred me to her also a representative when I asked three times to transfer me to someone to be on store representative back in XXXX when I spoke with someone Ive stated to her that I only want to sleep with someone who is on so our representative and she stated that she was going to notate my account stating that so again that was not doneSo I was unaware of that capital One was hiring rude people as I was speaking the lady named XXXX cut across me not once but twice thats very rude look at the ending on the customer so with that being said Im filing a complain

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
TOOK NOTICE THAT SOME COMPANY BY THE NAE OF LVNV FUNDING PLACED AN ACCOUNT ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THIS COMPANY. NEVER RECEIVED ANY NOTICED FROM THEM AND THEY ARE SUPPOSEDLY COLLECTING ON BEHALF OF XXXX. I HAVE NOT HAD A XXXX ACCOUNT SINCE 2000. I CONTACTED XXXX AND THEY SAID NO THEY KNEW NOTHING OF THIS. SO APPARENTLY THIS COMPANY IS CREATING FALSE ACCOUNTS AND TRYING TO ROB CONSUMERS BY USING FAKE ACCOUNTS. THIS IS DISGUSTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In late XXXX, XXXX, I have receive a mail letter ( first mail letter ) from TD bank saying their recorder showing I don't have any current insurance, thus asking me to provide my property insurance information like insurance policy number, the name, mailing address and phone number of the insurance company or insurance agent. Otherwise, the bank will buy the insurance for me, and I will be liable for the period I do not have insurance. However the fax number provided in the letter never work out, thus I went to TD Bank Branch to fax the documents in early XXXX, XXXX. The document I faxed is the Insurance Binder which contain all the information the first mail letter asking for. I didn't receive any mail regarding the issue and my monthly mortgage payment didn't change. Later in earlier XXXX, XXXX, I received another mail letter, saying my monthly mortgage payment is going up because they have purchase the insurance for me. So I called the TD bank several time between XX/XX/XXXX to XX/XX/XXXX, I got different answers from different agents about what has happened. But they all said they have received the fax from me in XXXX, but they want the " Declaration Page '' not the " Insurance binder '', thus they bought the insurance for me without any notice before or after. However, I didn't find anything about " declaration page '' on the first mail letter I received. Then I contacted my insurance agent to get the declaration page that cover both XXXX and XXXX  year, and faxed those document together and received a fax confirmation that has page count. However when I contact the TD Bank today XX/XX/XXXX, the agent said they only receive the document for XXXX not XXXX. In addition, they are asking me to provide other additional documents, a statement from my insurance company saying I was full covered. The agent is very mean, rude and unprofessional. Didn't show any of respect! I have provide all the documents they have been asking, but they keep asking for more. I don't know if the TD Bank really want to resolve my issue, but just keep teasing me. I don't think this is right and fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a bill from a debt collector -- CMRE -- on behalf of XXXX XXXX XXXX. I had earlier received a bill from XXXX XXXX XXXX which i paid in full. When i called CMRE regarding this bill asking what it was for ( when i had already paid the bill i had received ) they were unwilling to give me any more explanation other than i owed some balance. I requested an itemized bill so i could know what and why this difference, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: AL

Complaint narrative:
Experian. Is reporting a bankruptcy on my credit report, i XXXX XXXX XXXX HAVE NEVER FILED BANKRUPTCY IN THE STATE OF ALABAME NOR ANY OTHER STATE, I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, THE OTHER TWO CREDIT BUREAUS, XXXX XXXX OR XXXX  HAS REMOVED THE BANKRUPTCY FROM MY CREDIT REPORT. I HAVE SENT THEM DOCUMENTS FROM THE COURTS STATING THAT THEY DO NOT REPORT TO THE CREDIT BUREAUS. I HAVE CONTACTED XXXX XXXX AND XXXX I HAVE NEVER HAD ACCOUNTS WOTH THOSE COMPANIES THEY HAVE NO VERIFICATION OF WHERE I HAD A BANKRUPTCY ON MY CREDIT REPORT. PLEASE REMOVER THE BANKRUPTCY IMMEDIATELY.

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