vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: TX

Complaint narrative:
on XX/XX/2021 I made a payment to my insurance company, XXXX XXXX, using Bank of America 's online bill pay option in the amount of {$1100.00}. Evidently, B of A uses XXXX XXXX to process their bill payments. XXXX XXXXXXXX received the {$1100.00} payment on or about XXXX but XXXX XXXXXXXX was unable to match the payment to our insurance account due to a change in their billing system and returned the {$1100.00} payment to the issuer, in this case, XXXX XXXX. XXXX XXXX has not refunded the money back to Bank of America to credit to my account. It is a business account. Bank of America has issued us a case number, back in XXXX of XXXX, but has been unable to resolve this issues and credit our account the {$1100.00} due. I have spent hours on the phone and hours dealing with a person at 2 different B of A branches to resolve this issue and keep getting told there is nothing they can do until XXXX XXXX gives them more information. My relationship is with B of A, not XXXX XXXX and XXXX XXXX will not deal with me to assist with this matter. I asked for a provisional credit to the account but was denied by B of A and told I'd just have to wait until they can do further research. No one is willing to take the time to solve this issue and I am unable to speak with anyone in authority to assist me with the refund/credit. My money is lost in limbo somewhere in the Bank of AmericaXXXX XXXX digital orbit!! I have all the documents available to me that traces this issue from Bank of America, through XXXX XXXX, to XXXX XXXX and XXXX XXXX returning the {$1100.00} to XXXX XXXX where the funds become lost.

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 2021-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank froze my account in XXXX and requested proof of residential address in order to unfreeze my account. I sent in the requested documentation, and was been told it was accepted and no further action is required. Then 2 weeks ago they froze it again and have requested the same documentation already submitted, except now they will not acknowledge receipt of the documents and will not allow me to close my account. In XXXX I was able to email the documents and get confirmation of their receipt and validity within 2 days. Now they are asking me to fax the documents, which I did a week ago. I was told it would take 24-48 hours to review the docs and unfreeze my account. Today I'm being told it will take 7-14 days to review the docs and unfreeze my account. Each time I call I'm passed from one dept to another and back again and placed on hold for inordinate amounts of time between each transfer. I have spent over 4 hours on the phone in the past 6 days to no avail. I have asked to close the account so I can put my funds elsewhere, and they tell me I have to wait for the document review to be completed before they will close my account. It's like a " who's on first '' routine. These are the same documents sent and accepted in XXXX, and the same ones I faxed last week, but every day that I call the time to review is extended exponentially and I'm left without access to MY money. They have already received the documents and are now refusing to give me access to my money. I have attached the email chain from XXXX and on page 15 you'll see the confirmation of receipt and verification that the account was validated and no further action required on my part.

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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: OK

Complaint narrative:
On XX/XX/2018 a collection account was opened for a debt that I was not notified of. The original debt was from XXXX XXXX XXXX The collection agency is IQ Data International. The current amount is {$1600.00}. I have disputed this as the debt is erroneous. I have taken this to court and won. Attached is a copy of the court record/judgment. Please help me get this removed from my credit report. IQ Data international has been nothing but rude and not helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 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: IL

Complaint narrative:
Once again look at all the previous complaints about Experian I have submitted. They are constantly lying about where they got information and how items were verified. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 5 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. Experian is constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information. Experian is constantly changing their stories. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX  and XXXX  have already removed these items. This has been going on since XXXX  and I have filed numerous complaints. the next step is the states attorney office as well as a law suit.

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$300.00}

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed  : {$490.00}

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 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX My social security number is XXXX and my capital one card XXXX date of birth XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX My credit limit supposed to be higher then XXXX and spoken to capital one about a emergency credit line increase and it supposed to be approved the emergency was that my car needs repairs My complaint is that capital one credit is not helping customers when their an emergency Thy promise that even if you have XXXX credit the card will let you go over the limit And also capital one promise to extend more credit to new customers and existing ones but they didn't keep that promise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE NOTE ATTACHMENTS WHERE THE VERY XXXX AND CORRUPT EXPERIAN WORKED WITH SBA TO DENY THE MUCH NEEDED DISASTER RELIEF LOAN I WAS INITIALLY APPROVED FOR.

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 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
So after filing a complaint with the CFPB, Loancare/ Lakeview LLC reached out to me concerning the issue we previously had RE : # XXXX. 
Silly me, I close the complaint and write a glowing review of how Loancare/ Lakeview is working with me to resolve the issue. Fast forward, I'm sent a loan modification approval. It just needed to be signed, notarized and returned. The mailing date on the XXXX envelope they sent was XX/XX/2021. We signed the agreement and returned everything in the return envelope they provided. 
The following day I receive a letter in the mail stating my loan modification was denied. This was also dated XX/XX/2021. Are they playing games? Was this some kind of clerical glitch? I call Loancare they claim they have no record of said agreement being approved or mailed to me. I mention the attorney 's name on the envelope. " No one by that name works with us '' huh? I keep all my papers so I scan everything to them including the XXXX envelope it came with along with my receipt for the return mail. No response. I call again and they still don't acknowledge agreement but they now require even more documentation even though these are the same documents I've sent numerous times. Basically I got the run around but if someone took the time to draft an agreement why can't anyone care enough about their job and actually look into what's going on? 
Keep all of your papers when dealing with Loancare/Lakeview but unfortunately it still won't matter to them.

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 2021-07-19 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
My original lender WAMU declared bankruptcy and Chase bank took over the note.

They started to change the terms of the note and were also demanding I obtain Hurricane insurance and a very high price. ( My note with WAMU only required wind and storm insurance ) Therefore they were changing the terms of the note that they took over, which is illegal. So I joined a multi-plaintiff lawsuit, just asking to prove they own my note and weather or not they can make changes to it. When I joined the lawsuit, I was never behind in my payments, nor was I ever late on any payments. When I went to make my next payment, Chase turned of my web portal, where I paid from, and stopped sending me my statements. We demanded that they turn back on the web portal and send me statements so I can continue paying, but they ignored it and never sent me a statement again for a few years. I have certified and registered letters stating that I did not want to fall behind and that I was not behind and that this would cause me extreme undue harm. We even have emails from my attorney to theirs, telling them that this was illegal, but they ignored them. This is the definition predatory lending if there ever was one. Well now it has been 10 years and they have piled on all kinds of crazy late fee 's, bogus charges, etc,, I WAS NEVER LATE! Please help me. All of this is on record and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I received a notice through XXXX XXXX that my credit dropped 20 points. I checked my credit report it showed that Credence Resource Management had file a discrepancy on my credit report for a debt that I do not know and do not owe any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
my credit report is incorrected, and its is affecting my daily life tremendously please remove these items, Ftc report was sent in aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: MA

Complaint narrative:
In XX/XX/2021 I reported unauthorized fraud in the amount of XXXX, it was legitimate fraud and my claim was denied. 
I am owed this amount by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello CFPB, I am reporting and disputing the following item from my credit report that has nothing to do with me. I have also been threatened by this company of damaging my credit and repeated harassing calls. 
This item was disputed and removed legally and was not to return back under any other company on XX/XX/2018. The CFPB claim # is XXXX. 

HOWEVER, it has shown up back on my credit report recently by XXXX XXXX XXXX. And the credit bureaus have allowed this despite receiving the same communication letters they sent to you and, myself of deleting this inquiry.

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 2021-07-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I ordered a {$3900.00} product from XXXX. product was promised to be delivered by end of XX/XX/XXXX. It never showed up, so I worked with them for over a month to get a delivery date. They kept giving me the run around so finally I cancelled and was promised a refund by the company. They never refunded me and eventually stopped responding to my messages or answering calls. I disputed charge with visa in XX/XX/XXXX. They gave me a conditional credit while trying to resolve with XXXX XXXX. XX/XX/XXXX they reversed the credit and closed the dispute as unresolved bc they didn't get the proper documentation. Immediately I re opened the dispute, provided documentation that XXXX XXXX  order was cancelled and I was promised a refund by them but as of XX/XX/XXXX the credit card company still refuses to give me my money back and closed the dispute again. ALL INFORMATION ON THE XXXX INDICATE THE COMPANY DID THIS TO ALOT OF PEOPLE AND CLOSED THEIR DOORS.

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I have had an ongoing dispute with Quicken mortgage concerning unreasonable late fees, add on costs, and escrow payment disputes. Now this company is threatening foreclosure even though my latest mortgage payment was recorded in a fashion. My current complaint id is XXXX i want this company to quit harassing me, they threatened to ruin my credit and they already performed that action with XXXXXXXX XXXX  which has severly threatened my credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: COMMERCE BANK
State: IL

Complaint narrative:
I spoke to the supervisor XXXX XXXX on several occasions but the last time I talked to him was on XX/XX/21 and I told him that I could not pay the amount due that they were charging me interest every month which I was not aware of because I was supposed to be on a hardship program for 3 months and I was also being charged a late fee. He told me that all of the charges would be removed because I was on the hardship from XXXX, XXXX and XXXX. The next bill was due on XX/XX/XXXX and I should be paying {$61.00}. That is what I paid. Now this month I am being charged a {$40.00} late fee again. I call XXXX XXXX and another supervisor named XXXX XXXX. None of them return my calls and I have left several voicemails. Commerce Bank called me and I explained to the lady the problem and she said she would talk to XXXX. He also told me if I went on the payment plan I would pay 2 % of the bill which would be {$140.00} a month and the card would be closed. The problem is that I was only paying {$70.00} because I had the 0 % interest and now the interest is 13.24 %. They want almost {$200.00} a month I cant pay that. I had XXXX XXXX and I had to go to a lot of XXXX and XXXX and I told them I am on a set income. I cant pay {$200.00} a month. I dont know what I can do to have someone work with me to pay a cheaper payment or have the interest or some compromise. I have to be going for appointments the rest of my life because XXXX could return anytime the doctor said. I got real skinny and I have to gain back my strength not worry about 2 people that are supposed to be supervisors but their not working with the customer or returning my calls.

Company response to consumer: Closed with explanation