vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Every 30 days I call all 3 credit bureaus to see why Santender Credit is still showing up on my credit report. Every agent I speak with tells me they don't see anything showing and it has been deleted already. Please investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I applied for Discover and was approved. Used card once on XX/XX/2019 at XXXX XXXX at XXXX   XXXX XXXX in the amount of {$24.00}. 
I logged in and changed my card design to Rainbow design which i originally requested but Discover sent me a blue card and i added my spouse as an additional/authorized user. Tried to log in online but website said i need to verify suspicious activity and click to verify. I clicked and screen said i need to call fraud department. Called and verified all information. Lady said everything was fine. Tried to log into account and was given the same statement, need to verify suspicious activity. Card was blocked by Discover and still is. I have set up a bill pay in the amount of my purchase at XXXX, {$24.00} from our joint checking account ( my spouse and i have a joint checking account with XXXX XXXX Bank ). 
It is absurd for Discover to block my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I opened a savings account with BBT in XX/XX/2018.

I deposited a check in this savings account which was placed a hold until it cleared. The check was returned due to the account being closed and this was done in error. There was no ill intent in which I am being accused of. Needless to say there was no money ever received and any returned fees were all paid in full.

In the process of all this, I was having XXXX from my XXXX access savings account transferred into my BBT account. BBT decided to close my account due to this returned check issue which is their choice, however BBT has failed to return my deposited funds to me. I was told in order for me to receive my funds back I would need to visit a branch. I went to a BBT branch on a weekend day and was advised I needed to see the branch manager in which they were not there or available.

My profession requires me to travel and I am gone from for long periods of time. 
Furthermore, I didnt visit a branch to open this savings account, I didnt visit a branch to make my deposits and I never received a signature card from BBT to sign off on this account. BBT decided to close my account and they should not be allowed to withhold my funds for over 1 year!!! How can you close an account and keep the funds??? There is nothing on the terms and conditions that says they have the right to do this!

I need to know where in the terms and conditions does it say they have the right to do this!!

How long can they legally hold these funds?

What legal rights allows them to do this?

Where in the terms and conditions does it clearly state they can do this?

How can you close an account but keep the funds on a closed account, however when I called CS Dept., I am being told the account is on hold. Is the account closed or on hold??

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 2019-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I have been writing to you for the last 2 years and have filed my complaint about Rushmore Loan Mgm. Both have been futile. No one has done anything for the consumer.

I begged them and asked them to give me a relief. In 2006 I purchased my house for XXXX. I put a downpayment of XXXX. When I went to closing I owed them according to their records which I have not accepted I had to pay them XXXX!!!! 

For almost 14 years I paid all these loan sharks, yes I call them loan sharks ( XXXX, XXXX, XXXX and now Rushmore ) nearly XXXX and yet, I owe more than I did 14 years ago. ON what basis I am not sure? 

I asked them to explain everything but their explanation is zilch. They also charged me XXXX in arrears! I asked them to explain this or at least forgive the arrears. They refused. I settled with my second loan on this very property for XXXX. That means after all the costs involved which included taxes, fees, real estate fees, etc. I would come out with XXXX!!!! 

Rushmore and their partners or " investors '' whoever they are, rob people like me everyday. They do not care if I own or lose my house. Their motto is to protect their investors and their investors want to make 200 percent on their investment. 

This has been a trend and it will not go away until institutions and orgs like yours really start doing something about it. Why should banks and loan sharks make so much out of the misery of the citizens of this country when I personally tried to keep my house, pay my mortgage and try to own a brick in my house. 

Why don't you really do something. Because Rushmore and alike will continue fleecing people who have no rights and no power. 

Rushmore got XXXX out of me. And I am left with the pieces never being able to buy anything. I also wanted to get out of this horrible loan, yes a horrible loan. 

I will expose Rushmore in every way I can. The least they could have done would have been to forgive the so-called arrears. 

On top of it after they got all this money illegally ( yes illegally ) they sent me a letter asking for more! I guess they didn't get enough. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, Ill try to make this concise : My mortgage servicer used to be Chase Home Finance. In XXXX of this year I was scheduled to have XXXX and miss 6 weeks of work. I reached out to them before hand to see if I could make an arrangement to skip a month of payment and then pay a month and a half for the subsequent months to get caught up. They agreed, sent me a document to sign and I proceeded to pay as agreed through the next months. In XXXX, they sold my mortgage to another company ( XXXX XXXX XXXX XXXX  ) and reported me to the credit bureaus for being late on my payments by 60 days, even though I had paid as agreed. I have reached out to them multiple times but they claim nothing can be done to remove or annotate this to indicate I was only late because I was proactive and reached out in advance about a medical issue, had I know I would have made other financial changes which would have allowed me to make these payments as usual. I am trying to get this removed from my report so Im reaching out to CFPB, I have a lot of respect for the mission of the Bureau and Im hoping yinz can help. Thank you. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
This complaint is with regards to Flagstar Bank. 

Flagstar.com XX/XX/XXXX payment was taken from my account. XX/XX/XXXX the bank drafted 2nd payment. On XX/XX/XXXX The bank collections department called and threaten to Foreclose my home for non payment. 

On XX/XX/XXXX they send statement stating that none payments were made. On XX/XX/XXXX they drafted a payment for the month of XXXX. All three months have been taken out of my bank account but the bank claims that no payments were made. 

After 2 hour conversation finally the bank figured out that they have been taking out payments and stated they will fix the matter. 

It is XXXX and I continue to get calls from Flagstar bank collection department treating me to foreclose on my home for non payment. I explained that they have withdrawn payment from bank account. They have been treating me over the holiday to foreclose on the home that I have made payments on. I have all proof of payment taken from my checking account. The customer service manager of the bank has no idea why this is happening. 

My mortgage payments with original Leander were less by {$300.00} then they are now with Flagstar. 


Flagstar has been very aggressive with regards to foreclosure on my property on which I make timely monthly payments on.

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 2019-12-01 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: Peter Roberts & Associates, Inc.
State: RI

Complaint narrative:
I have pointed out, highlighted all the inaccuracies that is in this report, this is a single negative item on my report and it is inaccurate. There are a lot of missing information to tie this to my name. I need to see the docs that the creditor sent to you were used during the investigation to make the determination that this account is accurate. No Proof? Then you can not report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: FL

Complaint narrative:
I would like to report erroneous, unfair and incorrect information that is on my fcra. Listed is the facts and nature of the case. I have had trouble with the XXXX Virginia court system before and instead of correcting this error I have to pay the price and am losing employment offers.I don't know how you can continue to spread lies and call yourself a justice system. XXXX and Accurate have not responded to my attempts to explain the situation. This is now my third attempt. 

I found out that I have outstanding warrants in Virginia, I've lived in Florida for 4 years now. I'd like to discuss right now why it is a non issue and that it should not impact my working eligibility in any meaningful way. I literally just got off the phone with the XXXX Virginia Sheriff 's department that can be reached at XXXX and he explicitly told me that XXXX will NOT take action against me and they will NOT extradite. The driving on suspended license should not be an issue since I have a valid drivers license in florida now. I have worked hard to stay out of trouble since living in florida and am ready and motivated to begin working as soon as possible. Should also add for the record that I am in good physical and mental condition and have done this job before, twice in fact. So we are clear and upfront about the situation and there is nothing preventing me from getting this job, thank you for your consideration XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: ONEMAIN FINANCE CORPORATION
State: IN

Complaint narrative:
On my Report it shows no payment on a loan for 120 days. However I have made arrangements with the company and made all payments. Payments are even reported on their website. It took my 100 % payment history down to 84 % dropping my score more than 50 points. I have requested they update direct to the company and even filed a dispute with the credit bureaus. This has made me pay 24 % interest on a car loan due to the inaccurate reporting of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loan was under originated under a another company. current loan Loan Care took loan on XXXX. Loan Care is saying that i own a payment for XXXX which was paid to previous mortgage company. Loan Care has reported to my credit that i am over 30 days late which I am not and will not fix the problem. I have sent multiple documents including bank statement to prove that payment was made.

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 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This bank is crazy and not fixing this issues or concerns I have everytime I apply for any credit card their system refuses to process my applications as everyone else how is this fair or legal this is discriminatory they refuse to help me when I complain tell me their is nothing that can be done and keep trying and I do but its the same I get letters in my mail with no credit report being used just internal response high risk source of application Im sick and tired of their stupid system and them not caring to do anything to help me or fix this problem I want a store card I cant have one a credir card with an airline I cant because their system wont process any of my applications this is not fair my credit is not even pulled or checked to see if I qualify this gets me so angry and their executive office does nothing to help horrible bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had paid for a month for Experian and I wanted to follow up on some disputes on my report cuz I have so much incorrect information of mine and I also have been a victim of identity theft for years and XXXX didnt do nothing about it years ago and now Experian is doing the same and I cant take it no more because I have no credit I paid some accounts thats not mine I have disputed more and I cant even get a loan or credit card OMG! I lost my family my job and everything because of this identity theft please take a look at my credit report and tell me if you need some information I can provide you please please please help me I dont know what to do and this is my last option

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 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Okay so I wrote you all about 3 weeks ago and Equifax deleted my file. I thought it was taken care of but when I went to pull my credit report Equifax has still not put all my positive credit back onto my file, It is affecting me from getting new credit and a mortgage. Do I have to file a law suit? Only thing showing on my account is two accounts that were deleted after I disputed it. they put it back on there and I never requested a fraud alert and they extended out to the other bureaus which I recently had removed XXXX XXXX and XXXX. What is it that I need to do to get this resolved hire an attorney? So what appears to be happening is that they are disputing on my behalf and its affecting my credit score. I am not asking for a dispute I am asking them to put back all my positive credit they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I've been a Citi customer for years now and generally have liked the card benefits and customer service response until this week. 

I had a messy divorce in the past and have been rebuilding my credit for years by chipping away at balances. Despite this I have never once missed a payment to any credit agency in my entire credit history. 

Earlier in the year my credit limit on a Diamond Preferred card Double Cash card were increased by {$500.00} each. Naturally this was great news and I was happy with the diligent response of the company. 

Fast forward to now, both cards dramatically had their credit limit decreased, one to {$700.00} below what the account was opened at, the other roughly {$300.00} below. 

I was shocked, and thought for sure something fraudulent had happened. When contacting customer service in regards to it, I was informed one of my credit accounts was delinquent causing the drop in my available credit. I took the information as to which credit reporting agency they claimed generated the information to investigate myself. 

I pulled all 3 credit reporting agency reports to be on the safe side, and found the information they had given me to be completely false. The only derogatory information was from a collections from a medical debt that had already been disputed and removed but has sense reappeared with the original information. This is one I have been fighting for 4 years now and was paid by insurance and thus is going to be disputed yet again. 

When I contacted them again to inform them, I was greeted by a lackluster rep who only offered to do a general request to increase my limit which was denied. I was never given any other specific reasons behind this. 

This incident has had a significant impact on my credit as a result, and put me back progress I had made for no reason. 

Do yourself a favor and stay away from Citi. In the end I regret ever opening a card with this company, and if it wouldn't hurt my credit score even more to close the accounts I would.

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 2019-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WV

Complaint narrative:
I received a call XX/XX/2019 from XXXX pretending to be XXXX Customer Service.They said XXXX XXXX had taken XXXX put of my bank account and that they wanted to refund my money since I did not want XXXX XXXX.Told me to download western union app so they could refund my money.I did not receive a refund they took money out of my bank account using my debit card.transfer # XXXX in the amount of XXXX sent to XXXX XXXX ( whom I do not know in XXXX XXXX XXXX ) .I received an email saying he picked money up.Also they transferred more money the same way transfer # ( MTCN ) XXXX in the amount of XXXX as a donation to western union.I did not send money to neither one and these transactions were not approved by me.My bank is XXXX XXXX XXXX  in XXXX WV XXXX.Contacted them canceled debit card or they would have hacked more money out of my account, bank said they tried 3 more transactions.Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I disputed a debt from a collection agency called XXXX  XXXX XXXX. The collection was investigated as a result of investigation the collection was deleted. I have the proof of deletion, however couple months later I received a letter from another collection agency called Credence ( excellence beyond Belief ). Stating that I must notify there office within 30days that this debt was disputed. I called to let them know this debt has been investigated and deleted off my credit report. Today XX/XX/19 I received an alert from fico. This collection has reported this debt has mines on XXXX. Bringing my score down 44 points. This is illegal. I do not own no portion of this debt, has been investigated already and disputed and deleted. I have proof on my files. I reported this company for fraud. I would like this fraudulent account deleted from my report.

Company response to consumer: Closed with explanation