vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Ok, XXXX XXXX file my tax return. They told me that i had three option for receiving the refund. I choice to get the refund put on a American Express Serve card. When the refund was ready i attempted to activate the card. i had problems activating it. So i contacted customer support finally after 10 hour and going to the atm about four times i was able to activate the card. I went to the XXXX  XXXX atm located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX and made a {$700.00} dollar withdraw. The next day i checked my balance to see a duplicate charge of {$500.00} dollars taken out. I contacted American Express serve. I filed a dispute on XX/XX/2021. I called and they told me that on XX/XX/2021, i should receive a email with a decision on if they're going to give me temporary credit as the investigation goes on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I had a checking and investing account with Sofi, and been using it for months with no problem and there was always positive balance abd on average XXXX balance on it. There was a check that was deposited by mistake and they placed the account on restriction and cut my access to the entire money on the account even after I contacted them and notify them that the check was deposited by mistake and they can hold the amount for the check but I need to access my funds since at the time was my only account and the only source of money. They cause severe damages and issues by placing a restriction on the account. I contacted them many times and kept asking them to give me access to the funds i have on the account. They kept telling me they are investigating and i have to wait. After one week I just call them and asked them if they can just close the account and just give me the money i have on the account because i was in financial hardship. They even refused to closer the account and also said they are not going to give me my funds because of a wrong check that actually never deposited into account and they refused to deposit it since the beginning and now for no reason they stealing my money. I have over $ XXXX total on both checking and investing account and need my money very urgently and I been facing a lot of issues because not having any other source of money and I need your help to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: IL

Complaint narrative:
I am a victim of Identity theft my personal information was stolen and account where open by a unknown I Identity theft. most of the account where cleared up but now this account in question was sold to a collection agency. I would this account to be remove as it is the same account that was removed before. the collection agency is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from XXXX XXXX XXXX Maryland XXXX of the Clerk, indicating that the XXXX doesn't report any information to the Credit Bureaus. 
Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through XXXX or Third party If proof can not be presented ( Please remove negative public record from credit file effective 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 explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Citizens One Mortgage. 
After 5 months I'm trying to refinance with cash out I have thrown in the towel. I have bent over backwards to make sure the process went smooth but was repeatedly asked to submit the same information time and time again was redirected to several people for this refinance only to have the person in charge of it do nothing, but ask for more information and then lie to me and say that we're just waiting on underwriting or we're waiting on title or were waiting on your home Owners Association was always an excuse just a horrible horrible experience ... .. now I'm out {$480.00} for the appraisal cost and the employee that was in charge of this, hides behind emails and his computer and lies!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: NC

Complaint narrative:
I received a letter dated XX/XX/21 that was addressed to my current lender and me and said Important! on the envelope. I opened it and realized it was just advertising to get me to refinance my current loan with another company. The letter and packaging seem quite deceptive as it's only in the fine print that the letter was sent by Millennial Home Lending and not my lender. There is also " Statement Date '' printed at the top to trick consumers into thinking this notice is a statement from their actual lender.

I have no relationship with Millennial Home Lending ( nor will I, given deceptive advertising ) but wanted to report this shady practice.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One is not honoring the bonus offer for the Venture Rewards card that I applied for and was approved for in XX/XX/XXXX. The advertised offer was for up to XXXX reward points : XXXX after spending a few XXXX dollars in the first few months, then another XXXX after spending {$20000.00} within the first 12 months. 

I received the first XXXX bonus and called Capital One Venture customer service on XX/XX/XXXX, to find out how close I was to the second bonus. The representative told me that there was no second bonus offer associated with my account. I asked for and spoke to a supervisor, XXXX, and explained that the landing page for my application had advertised the XXXX reward point offer, that I had relied on this when I applied and continued to rely on it as I was using the card for purchases. He ignored this, asked no questions about what I had seen, and said something like " The Capital One reward bonus offer structure did not provide me with a second bonus. '' I asked XXXX to clarify whether he was refusing to provide me with the second bonus. He answered that he was refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On Saturday, XX/XX/XXXX, Nation Star - Mr. Cooper debited my monthly mortgage payment three times totaling {$7700.00} from my XXXX XXXX  checking account causing my account to be overdrawn. I immediately logged onto the Mr. Cooper website and reviewed my payments and the only payment I saw for XXXX was the regular payment I made on XX/XX/XXXX. I did not see any of the three additional payments. 
I called XXXX XXXX  and after an hour of waiting to speak with a representative, I was told that they were receiving many calls with the same complaint. XXXX issued a stop payment but they said because it was the weekend the money would not be credited back until Monday or Tuesday ( XXXX XX/XX/XXXX ). Therefore, that left me with no access to my money in my checking account. 
Mr. Cooper never posted a statement or contacted customers directly to inform them of what had happened. I only found out because I set up to receive alerts from XXXX XXXX  when large amounts are debited from my account. I tried calling Mr. Cooper on Saturday, XX/XX/XXXX but couldn't reach a live person and there was no recording informing customers of the issue. 
It wasn't until XXXX XXXX. on Saturday, XX/XX/XXXX, Mr. Cooper sent out an email informing customers of a " payment processing issue ''. Stating a processing issue at one of their electronic payments vendor resulted in a number of customers having their bank account debited incorrectly. 
The money was credited back to my account but it caused a lot of stress especially during this pandemic when many are having income issues and trying to make ends meet. 
Mr. Cooper should have communicated much earlier with their customers and also XXXX XXXX  should have flagged the transactions suspicious and blocked them until they were able to contact me to verify if I authorized the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NC

Complaint narrative:
Ive called Tranunion over 5 times in the month of XXXX on different occasions to remove a consumer statement on my credit file, each time i talked to someone, they tell me they do not see anything written in the consumer statement section. 

i told them eachtime i sign into my account or refresh my account the statement is there, they refuse to remove that statement.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Please see attached document about terms and conditions with my TDBank Credit Card. I only enroll in credit cards that have a 0 % interest intro offer. This bank TDBank, according to the attachment, said I had zero interest for 6 months. It erroneously charged me {$7.00} interest in the first month. 

I think this credit card company is pulling a scam by sending out numerous amounts of terms and conditions letters. One to get you to sign up and then others to change the rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I HAVE DIPSUTED THIS FRAUDULENT ACCOUNT SEVERAL TIMES. ITS CAUSING ME A LOT OF UNNECESSARY HARDSHIP. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY PROFILE.

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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged an overdraft fee by Chase Bank due to an online purchase. Though my account showed a positive balance at XXXX XXXX ET, their cutoff time, and for several hours afterwards, in the morning they essentially retroactively applied the payments to the previous day meaning that even though they showed me a positive balance at XXXX XXXX  ET and at XXXX XXXX ET and at XXXX XXXX ET ... I was overdrawn at XXXX XXXX ET and assessed a penalty. 

This is frustrating because had I been shown my accurate balance the previous evening, I would have simply transferred some money from one of my other accounts to cover the deficit as I had the funds available elsewhere. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account. It is absolutely unreasonable that they would show me a positive balance in my account at the last point that I have an opportunity to correct the deficit, then assess me with an overdraft fee when they're the ones who told me I was in the black. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: MI

Complaint narrative:
I paid a one time payment on my house loan. The next month they tried to take another {$40000.00} from my checking it was to be a one time payment not two months in a row. The money not being there bounced causing {$75.00} in fees. Its been going on for to long over 3 weeks. They tell me theyre working on it now I have a letter that says I owe them the {$40000.00} back. After I paid the first {$40000.00} I didnt owe that much. The are telling me that the payment I made of {$70000.00} bounced and it did not I have never bounced a check in my life. Then on SaturdayXX/XX/XXXX I got another letter saying I am in the rears no I am not. They are costing me money and my credit. All I get is when I can get them to return my calls is I am working on it. It should not take 3 weeks to fix this. It should not take a week to return a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
-- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XXXX XXXX, XXXX XXXX XXXX  Subject : Questions on your recent Bill. : XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir, Reference : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX We sold the house on XX/XX/XXXX. 

I notified XXXX  XXXX even two weeks before we sold the house. 

The new homeowner also notified you to transfer the account in their name starting on XX/XX/XXXX. 

As you very well know, you have been automatically withdrawing my gas bills directly from my bank account at XXXX XXXX. 

We have moved out of Virginia. 

My account at XXXX XXXX has been open until XXXX, XXXX. 

You have been withdrawing money from my bank account even through XXXX, XXXX. 

I just received a notice from a collection agency, " Online Information services ", asking me to pay {$72.00}. 

This amount of {$73.00} includes, I assume, late payment charges, etc, well beyond the actual bill. 

I repeat : you have been withdrawing money from my bank account well beyond XXXX, XXXX, even upto XXXX, XXXX. 

Actually, you owe me a refund because you have been withdrawing money from my bank account well beyond the XX/XX/XXXX. 

You have been committing fraud. 

I have been paying my bill for the past 28 years to XXXX XXXX promptly, and on time, because, you had my bank account, and withdrawing the owed amount promptly. 

If you really believe that I owed any money to XXXX  XXXX, you did not even have the basic decency to write me a letter. 

I tried to call you on XX/XX/XXXX XXXX Monday XXXX on your telephone number : Customer Service and Billing : XXXX ( XXXX ) You put me on an indefinite hold. 

Hence this email. 

I do hope you will respond to my email promptly after checking my account. 

I repeat : We sold the house on XX/XX/XXXX. 

I had already notified you of this sale two weeks prior to the sale, asking you to cut off the gas service on XX/XX/XXXX. 

You continued to withdraw money well beyond XX/XX/XXXX. 

Promptly refund the extra money you owe me. 

Indeed you have been double dipping : Collecting money from the home buyer and from me, even until XX/XX/XXXX. 

I expect a prompt response. 

All you have to do is to hit the reply button. 

Best Regards, XXXX XXXX cc : 1. Consumer Financial Protection Bureau 2. Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: GA

Complaint narrative:
This is my second attempt as I asked before to make investigation of these accounts however you failed. I do not want to see someone else accounts in my profile. Its difficult for me as my financial life depends on my credit report. However due to the fact that someone used my personal information, now I have these unknown accounts in my credit report. PLease help and remove them from my profile.

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 2021-04-26 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: GA

Complaint narrative:
This is my second attempt as I asked before to make investigation of these accounts however you failed. I do not want to see someone else accounts in my profile. Its difficult for me as my financial life depends on my credit report. However due to the fact that someone used my personal information, now I have these unknown accounts in my credit report. PLease help and remove them from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is in reference to complaint ID XXXX. The documents provided by the company do not have my signature. I did not sign any documentation agreeing to this loan. They also provided documents showing I have not signed a limited power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from USBC District of Maryland Office of the Clerk, indicating that the USBC doesn't report any information to the Credit Bureaus. 
Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through USBC or Third party If proof can not be presented ( Please remove negative public record from credit file effective 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 explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from USBC District of Maryland Office of the Clerk, indicating that the USBC doesn't report any information to the Credit Bureaus.

Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through USBC or Third party If proof can not be presented ( Please remove negative public record from credit file effective immediately.

Company response to consumer: Closed with explanation