vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX Suntrust Bank would not take my mortgage payments for my property do to a credit line that I owed that was unsecured .Suntrust said I would need to pay the credit line in full ( XXXX ) before they they would accept any payments form me. ( I was confused ) I asked Suntrust Bank who I needed to talk to .They said to contact XXXX XXXX ( Senior Asset Bank Dept.Manager ). I called in XX/XX/XXXX and he told me no payment would be accepted unless line of credit was paid in full. Since I could not afford to pay the line of credit in full I listed the property up for sale in XXXX XXXX line of credit was charged off in XXXX. ( I have documents ). I sold the property on XX/XX/XXXX XXXX and when I went to settlement Suntrust charged me {$3200.00} in late fees and interest of {$38000.00}. ( I have documents ) I completed/finalized the settlement. The next day XXXX XXXX I went to Suntrust/Truist location ( XXXX XXXX Md ) .I was told my contact person was XXXX XXXX XXXX.I reached out and discussed the situation and he said that Suntrust/Truist would give me a refund on my late fees. They did ( I have documents ). The next day I called again about the interest, XXXX XXXX said he could not help but sent me a screenshot of his computer screen ( I have that picture ). Something is not correct no refund on interest but late fees, yes. I would not have been in this situation if Suntrust/Truist would have excepted my payment or did any other actions, so they pulled the note from me. I carried the insurance the entire time. I was advised to contact CFPB ( Consumer Financial Protection Bureau ). I look forward to hearing from you.

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 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got my statement for XX/XX/XXXX, reflecting I didn't make a payment, with a late fee, for the month of XX/XX/XXXX. I called that they didn't get my check. Gave my check # and amount. The representative stated no check was received. So I made a phone payment by phone. I stated if they get the check, to bill it as another payment. I made a payment # XXXX {$130.00} on XX/XX/XXXX, by mail at post office. On XX/XX/XXXX got a text message, to community bank. Another text appeared they tried to contact me via, XX/XX/XXXX, it appeared on XX/XX/XXXX! I called the XXXX. Gave my info, representative said no payment had been received. He stated, he can take a voice payment, gave my info. payment made confirmation # XXXX I stated I had made a payment to a company, that I canceled, and if I got a billing of a refund on a different card, a credit card I lost! No info regarding that, there was a cancelation fee. He passed me on to a customer service representative, I gave all the info for my account explained, the transaction of lost card, no info for that, as of yet. I then asked there is a problem with my mail payments. The representative stated ; I am sorry, since XXXX, was bought from another company ; all payments will be forwarded to XXXX, ILL, from the XXXX XXXX XXXX XXXX XXXX TX XXXX. No address was given for XXXX, ILL, or phone call. I asked will a mailer go out regarding that. He didn't reply to my inquiry. Billing statement for XX/XX/XXXX, is XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OF THE WEST XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
This is the " 3rd '' attempt to FRAUDULENT use of my address to purchase an XXXX at a cost of {$830.00} that was mailed to a different address at : XXXX XXXX XXXX XXXX, XXXX. 
Tracking # XXXX Paypal or a Pay Pal hacker is sending these notifications for purchase made. This is a FRAUD AND THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I am a long-standing business client of HSBC. Last week we had some ACH fraud on our business account and lost {$120000.00} in a few days. I have been getting the runaround from all HSBC reps. No one is proactively able to help me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 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: Southwest Collection Services, LLC
State: LA

Complaint narrative:
I submitted a a dispute to XXXX I contacted Southwest medical collection agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. Southwest collections was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have an auto loan with Ally Financial! It is very unfortunate and terrible that this company is not supporting its customers during a pandemic. My child tested positive for XXXX and was on an unpaid leave from work to take care of him. This of course caused me to become delinquent on many of my bills. I reached out to Ally and explained my situation. I was provided NO solutions or assistance. I was denied a deferment and was told there were no options for payment arrangements. The representatives that I spoke to were not empathetic and offered no help! Also, they continue to harass me by calling multiple times a day.

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 2021-05-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
PMI Cancellation XX/XX/XXXX, I requested to get my PMI removed. 
XX/XX/XXXX received noticed from service provider via letter ( Shellpoint Mortgage Servicing ), that I need to pay for a BPO. Payment ( {$150.00} ) sent on XX/XX/XXXX. Their letter also stated on line 3, that I will receive notice regarding the outcome of my PMI removable request and long with a valuation results 30 days of obtaining the property evaluation. An agent did the property evaluation on XX/XX/XXXX. 
I have not received any communication from Shellpoint, with the exception of them responding with a standard letter replying to the email I sent them. Their letter basically said to call them with questions. 
XX/XX/XXXX, XXXX @ XXXX EST - I called. They confirmed that the PMI would be removed effective XX/XX/XXXX, I also requested the letter they promised me to be mailed. 
XX/XX/XXXX - XXXX 's statement showed no PMI removed. 
XX/XX/XXXX - Called again. 1st person stated I should get a response in 30 " BUSINESS '' DAYS, I never heard that before, their letter said " 30 days '', so I told them to escalate the call. The call was escalated to Tier 2 who told me my request to remove PMI was approved and I should see the changes on my statement. Again, I requested the letter promised to me, be mailed to me. 
XX/XX/XXXX - no changes to my statement and no letter regarding the valuations results. 
XX/XX/XXXX - email them again regarding what's the status XX/XX/XXXX - decided to put in a compliant. I feel 4 months of trying is unacceptable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Birchwood Credit Services, Inc.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BIRCHWOOD/XXXX  XXXX  XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX  XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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:
EQUIFAX CREDIT BUREAU COMPLAINT : There is an Unknown yet validated account reporting on my Equifax credit file with an account number XXXX. 
I have been advised by legal counsel that partial account numbers are not acceptable and is reporting out of compliance with the FCRA and since it has hindered my investigation it is an negligent act of the furnisher and Equifax. 
There has been no mention on the report that this account has been disputed due to identity theft and is also out of compliance with the FCRA. 
There has been no mention of my dispute submitted in XX/XX/2020 regarding this account opened as a result of identity theft and disputed reporting under # XXXX and there is no mention of the prior dispute of # XXXX an unknown account also opened as a result of identity theft. 
In XX/XX/2020 I contacted the Fair Trade Commission regarding the Identity Theft and the noncompliance of the furnisher and Equifax. 
Along with written requests mailed to both the furnisher and Equifax to remove the information I sent the FCRA 605b and instructions to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA.

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). 
I have to date not received a reply from the creditor and subsequently with the advise of the FTC I mailed to Equifax my ID Theft Affidavit and letter of request to remove the fraudulent account on XX/XX/2020 and again XX/XX/2020. 
I also advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not had a late payment in over a year, actually closer to two years, I payoff an account, which you are supposed to do when credit is extended to any individual, and then my score goes down 11 points for doing so. This way to powerful system of credit reporting needs to abolished immediately. What kind of system punishes you for doing what you agreed to, and are supposed to to?

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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, my account with BBVA was locked, and has not been opened again despite multiple attempts to contact them. The phone number they provided does not work, and disconnects after saying " we're experiencing difficulties, please try again later. goodbye ''. My card is being declined everywhere, and I am unable to access my money or log in to their online banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hi Team, this is with Apple credit card transaction. I have purchased XXXX XXXX leather case over XXXX. I have returned it within the return policy. Its been 4 months now. still, i am being charged. contacted support every other month and also escalated every time but it is not resolved. 
even escalation process is not effected. this is misleading the customer and need to be resolved. 

I have wasted many days in following up patiently with the support specialist but nothing is resolved. All the promise made to resolved is in vain. 

i need help to investigate this as this could be happening with a large customer base.. 

also Apple has deleted the posted transactions without my consent. This is a question of integrity and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NY

Complaint narrative:
I cancelled an annual subscription on XX/XX/XXXX. The merchant ghosted my cancellation email, and charged me for both XXXX and XXXX. I filed a chargeback dispute with Citi ( which gave the merchant my updated card number WITHOUT my authorization ). Citi, without reviewing the cancellation notice, sided with the merchant because they provided a receipt of annual charge for XXXX and XXXX which I didn't authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America, XXXX XXXX Master Card has been falsely/erroneously charging me for a rental car charge made fraudulently in XXXX, XXXX in XX/XX/XXXX. Further, BOA falsely/erroneously repeated the same charge twice without any basis. BOA has admitted that they made an error in charging my card erroneously however they have not resolved the issue to date ( XX/XX/XXXX ). I have been in frequent contact with BOA trying to resolve this issue, both on the phone ( several hours waiting on hold ) and at a local BOA branch. I have submitted a police report to BOA which was issued by the XXXX, XXXX Federal Police, yet BOA has refused to refund the original fraudulent charge of {$440.00} and indeed charged my card a second time for the exact amount ( {$440.00} ) without any basis. BOA credited my card {$440.00} while " investigating '' my claim, but last week charged my card another {$880.00}, stating that " We confirmed statements were mailed to the address you provided for this claim and payments have been made on the account '', with no other clarification. I am frustrated and feel like BOA has stolen money from me and has not complied with their credit card contractual agreement. Lastly, I have not used any of the XXXX miles which I have earned and fear losing them if I get rid of the card.

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