vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020, I opened an online checking and savings account with SunTrust Bank. Over the next 2 weeks, I funded the account with XXXX checking/XXXX  saving. On Thursday, XX/XX/XXXX, as I went online to make sure a funds transfer arrived, I found out I was locked out of my online account. I called SunTrust and they said something about my account was " pending closing '' for unknown reason. I then went out and took an XXXX to a SunTrust Bank, which was closed, so I was forced to stand at the drive through for service. I attempted to withdraw my money from my account and was told I could not. SunTrust had my money and wasn't giving me a XXXX until they got ready. 

I then called SunTrust over the next few days, trying to find out what was going on. When I figured out that they had decided to close my account and block access to my money without notice, I became outraged. They acted like the money was theirs. They had not told me that this could happen when I opened the account online. I would have never put {$1000.00} in these accounts had I known the account could be closed and money inaccessible for weeks. Furthermore, they showed little concern about whether I needed that money to pay bills or buy medicine. They just locked me out of my account and said " wait for us to send you your money back. '' On Tuesday, XX/XX/XXXX I finally received a notice by email that my account was being closed. They could have done that last week. As a joke, they invited me to access my account online for " special notices. '' Of course since they had locked me out of my online account, I couldn't do that either. I made 2 more phone calls to SunTrust where I kept asking them why did they block access to my money without notice. They had no explanation, except to say " too bad, so sorry and the check is on the way. '' Right. Humiliating, frustrating, inexcusable? Yes. I still don't know why they closed the account, but will never deal with them again. But the worst thing was blocking access to my money for more than a week. It may be a small matter to them, but to regular folk who need their money it creates a crisis. 

Please investigate SunTrust 's practices of providing written notices to folks who open online accounts of what happens when the account is declined, and their practices of blocking access to money in an account for weeks that they have decided to close.

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 2020-06-17 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX Discover states they did a soft pull of my credit and it was determined that my credit was lowered by this pull. Discover brought my card down to maximum utilization without the option to pay off before it destroys my credit score. I have never been late on payments with them and never maximize my credit limit. They states because I had multiple inquiries to purchase a vehicle, which would have been year ago in XXXX. They are hurting consumers during a pandemic. There response is that they are doing it to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc
State: TX

Complaint narrative:
On XX/XX/2020, I contacted the payoff department to request a payoff statement. Within that email I stated that the reason for the request for was for sale of property. 

I then received a email from XXXX XXXX ( payoff dept ) on XX/XX/XXXX, stating the reason again for the payoff. I responded with that I needed a payoff for 30 days because at that point I didn't know the closing date. 

On XX/XX/XXXX, payoff was received and everything looked corrected. 

On XX/XX/XXXX, I sent another email to the payoff department requesting a updated payoff, since at this point I actual had a closing date. Within that email I stated the closing date and closing time. 

On XX/XX/XXXX I received the updated payoff. I reviewed the payoff, and notice a {$750.00} attorney fee. Which was never on the first payoff that was provided. I reply back to the payoff department and instructed them to remove the fee since I had no knowledge of the fee. 
At this point, another individual responded back and stated it was for the foreclosure process and that the lender had no knowledge of what was going on. 

I then responded with I wasn't 60 days past due to proceed with a foreclosure process and that I had never been given attorney documents for such a fee. 
I also let them know that I did make them aware of what was going on with the property. 
I asked them again to remove fee and that is when they stated the fee would stay on the payoff statement. 

I was a former employer, so I feel that they added the fee as vengeance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi, Since the COVID-19 issues, I've solved all financial issues with financial companies except American express credit card! 
They don't offer any differing payments. 
My bill shows the balance of '' {$19000.00} and due date is XX/XX/XXXX '' So on XX/XX/XXXX after a long time conversation to American express supervisor of Financial relief program names " XXXX with the employee # XXXX '' pushed me to enrolling auto pay from my checking account to lowering my interest percentage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I have a issue with Wells Fargo, in the morning at XXXX XXXX  my account was in good standard, and I had enough money in the account, when I Checked my account by XXXX they charge me Overdraft fee for {$35.00}, because my account was overdraft for {$7.00} I called Wells Fargo bank to make a dispute, they offered me a credit of {$8.00} and I am not agree with that, I asked them to waive the Overdraft fee. I need help to waive the late fee in my account. 
Best regards 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 monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I already tried by all means to fix this problem. Capital in being unfair and is not willing to fix this issue and stop affecting me. They have committed several negligent actions that led to violations against me. 

I am only demanding this negative item : account # XXXX, opened XX/XX/2011, limit {$1300.00}. 

Please help me sending the attached documents to Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 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:
all the information I sending is about the fraudulent accounts shows on my credit report.

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I have attempted to contact Chase via phone, email, and the XXXX to request that they refund monthly fees on the account that they have not allowed me to access in nearly 6 months, and to have them close the account and send me a check for the remaining balance on the account after refunding the fees associated. To date, Chase bank did not answer my XXXX requests and has not closed the account as requested, continuing to allow monthly fees to be charged to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
i have contacted prosperity bank via chat which i was in the queue for 20 mins to inquire on refinancing only to be told i had to call by phone - i called and i waited 30 minutes until an agent answered and hung up on me after she said her welcome script. i understand the call volume is up and hold times are longer ( i work for a XXXX  ) but this is poor customer service. my account was with Legacy Texas and never had issues with them and then transferred over the XXXX XXXX, and if this is the way they treat their customers, i will take my business elsewhere. 

someone needs to call me back from the loan dept - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently pulled my Equifax credit report from the free annual credit report site. I found some incorrect information on my report but can not dispute it because Equifax has not allowed me to login to my credit file for over a year now. I do not have this problem with XXXX  or XXXX  - never have. With Equifax I constantly get an error message that advises me to call in. I spent a lot of time calling in last year in XXXX and the problem still isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Fro the last 4 months we have been attempting to refinance our current mortgage with Mr. Cooper ( mortgage company ) to get a 15 year fixed at 2.5 %, We are currently paying them 5.7 %. We have a HELOC with XXXX  XXXX XXXX and Mr. Cooper does not like the XXXX note because it has language around negative amortization. XXXX XXXX XXXX wrote two letters on our behalf to Mr. Cooper stating that the negative amortization does not apply to us, and Mr. Cooper is still rejecting it saying that it does. We want to meet with Mr. Cooper, and XXXX XXXX XXXX is willing to as well, but Mr. Cooper refuses to stating that their underwriters do not meet with anyone. At this point I suspect they are stalling because they simply do not want to give us a lower rate. They have not given us any other reason and refuse to meet with us. They are also not returning any of our phone calls. Their AVP refuses to get involved as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2020 there was a " credit balance refund debit ' noted in the amount of {$940.00} made to my Visa account with Bank of America. 
No further communication or explanation from the bank was received. 
Alarmed, I went into Bank ( much to my chagren being a senior ) and was told I would be receiving a check in this amount. 
It was a refund from XXXX XXXX received in XXXX. 
Well, it is now XX/XX/2020 and I have yet to receive the money. 
Bank of America says they sent it by regular mail and I have to wait 15 Business days before they can stop payment. 
I am extremely dissatisfied with how this has been handled by the Bank of America and I therefore want to file a complaint.

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 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NV

Complaint narrative:
This company ICS Systems have called me several times looking for someone else. I have told me repeatedly to stop calling me and they have refused. They told me the call was recorded and I did not want it recorded. I also explained to them that legally they can not keep calling me. So now I will look to file a lawsuit against them if they continue to call my phone number. They are a collection agency and I owe them nothing

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 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

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 2020-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A payment I mailed on XXXX was received by Shellpoint Mortgage Servicing and posted to my bank account onXX/XX/XXXX. However, Shellpoint did not apply this to my mortgage and shows my mortgage as being delinquent. I have spoken to Shellpoint on at least 4 occasions. I have sent a copy of the cashed check on 3 occasions. Shellpoint acknowledges having the copy of the cashed check with their endorsement on it. They have been unable to identify the reason for the payment not being reflected on my account. In the meantime, they continue to send increasingly aggressive letters stating their intentions to collect this debt.

I have tried to provide all of the information necessary for Shellpoint to rectify this problem. I am at a loss of what to do. Your help would  be of great assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
all the information I sending is about the fraudulent accounts shows on my credit report.

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 2020-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
all the information I sending is about the fraudulent accounts shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
Amount XXXX From National Credit Systems account number XXXX, collection representative is XXXX XXXX, office located in XXXX, XXXX My husband and I lived at XXXX XXXX XXXX XXXX XXXX XXXX , because of many people experiencing issues and added on expenses from rental properties, we decided to take many pictures and videos of the apartment when moving out. This apartment was spotless, the collection agency and Mr XXXX will not allow me to send the pictures of the apartment, nor will he call me back. he will not supply email information. I left messages on his voicemail and I am quite sure they will use the Coronavirus as an excuse but I tried previously and again, nothing. I want this amount removed and this also removed from my credit report. I need the last payment that I made and will attempt to get that from my bank, the property stated we only paid until XX/XX/XXXX but when we moved from XXXX back to XXXX we changed our banking information. So if we owe anything, it's XXXX or so. There is no doubt from my videos this is the apartment we lived in because I also took videos from different angles and from the window

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I had an XXXX XXXX account that was associated with my cable account. I moved to an area where the cable service was not available and XXXX was going to charge me a higher rate for mobile phone service because I was not able to transfer my cable service. I terminated my mobile account and returned my phones. XXXX is claiming that I owe early termination, late and other fees. The charges came to {$1000.00} They retained Credit Collection Services in XXXX, MA. I spoke with Mr. XXXX or XXXX ( he was not cooperative ) so I am not sure which and hope the call was recorded, on XX/XX/2020. I disputed the charge but offered to negotiate a settlement to clear my credit because of fraudulent reporting to credit bureaus. He refused and said they would not accept any less than 20 %. I disputed it previously and all they did was send me a statement. He asked if I had questions and when I started asking he was very rude and said that it would just stay on my credit report until I paid it and hung up on me. I considered this a threat to do harm to my credit. He is in no position or of authority to make such a statement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I contact XXXX/Department Stores National Bank That i can't make payments on time because i'm affected in covid19 crises by not being able to work, the above bank agreed with me that i don't have to make a payment for 2 months, and they will not report late on reports as the law requires, My Reference Number for XXXX covid 19 agreement is # XXXX But XXXX/DSNB did reported late on my reports late for XX/XX/ 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 2020-06-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have my loan with XXXX XXXX XXXX XXXX , during the month of XXXX when th Pandemic Covid 19 start I request my loan to be into the FOREVERANCE PROGRAM, XXXX accept and offer me 3 month starting on XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. 

On XXXX XXXX XXXX my loan to the company XXXX XXXX, this company send my a letter to offer me an extention for the Foreverance Program, and I agree for 3 additional months until XX/XX/XXXX. 

But XXXX XXXX Report to the 3 Credit Bureaus that my XXXX payment as late payment, and destroy my excellent credit report and scores, I never been late on my payments. 

I call XXXX XXXX and they told me they will be fix this mistake inmediatle and apologies for the mistake, I still waiting but they never fix the problem and they report again to the Credit Bureaus, causing more damage on my credit report for second time now my credit from over 700 credit score point appear as a miserable report of XXXX, all my lines of credit has been affected. 

I have all proof to summit to who and need this. 

I already spend hours and hours trying to solve this matter with loan care multiple employees and always they said they will fix but after almost 3 months they do not solve the problem and my finance economic is destroy. 

Need please to who correspond to help me to solve this problem ASAP. 

Thanks. 
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