vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The State of Michigan Unemployment System glitched and put my unemployment benefits on a Bank of America debit card in XX/XX/2021. 
I never received the Bank of America debit card. I have been calling Bank of America, Govenor of Michigan XXXX XXXX XXXX office, and the State of Michigan Unemployment Insurance Agency for almost two months and Bank of America still refuses to release the card with my benefits. 
Because of this I had an overdrawn checking account and am at risk to be homeless in Michigan- where it's cold and we have snow. 
It's going on two months and over 30 phone calls. I do not believe it should be this difficult to get a card from a program The State of Michigan and Bank of America created. There is no communication between the two agencies and that is a problem they should address, especially given we have been dealing with the Covid impact for a year already. It shouldn't still be this hard to get cooperation from taxpayer funded programs.

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 non-monetary relief
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recall having any debt with XXXX other than the account I paid off the full balance, this is an incorrect account and should be deleted. I ask the company reporting to show my signature in any document that proves that the account stated belongs to me. If not provided accurate information related to the account, I request the immediate deletion of the referenced account.

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 2021-03-16 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/2020, XXXX placed my account XXXX with Radius Global Solutions, LLC. Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtors creditors did not verify this debt. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX has violated my rights as a consumer and I requesting legal action to remove this account 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 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and CitiCard which is Citibank charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by Citicard XXXX XXXX XXXX ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXX.Payments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX who was the debt collector for CitiCard and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

XXXX XXXX explained within 48 hours of the payment that they would notify Citibank of the payment that the account was settled. I then disputed my account with XXXX and uploaded the settlement letter and the payments. On XX/XX/XXXX Citibank updated my XXXX account stating that I the balance is now {$1500.00} and no payments were made on my account. 

Citibank is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the account.

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 2021-03-16 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I notify my cc company and the company that the charge came from on XX/XX/XXXX about a charge that appear on my statement for XXXX both company reviewed the case and the charges were reviewed and finally they both removed the charges. My XXXX statement showed that I had received a credit for XXXX and that left me with a XXXX  bal. On XX/XX/XXXX I purchased Airlines tickets and on that very day the XXXX charged reappeared on my cc balance alone with the tickets and. I contracted the cc company about the charges reappearing back on my balance that was remover in XXXX and after talking with 3 assoc I was told that the charges could not be removed again.

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 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
A medical bill in the amount of {$110.00} was reported to the credit bureau before notifying me. After I paid it in full with interest charges and it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I lost my job last year due to COVID, along with my partner losing hours with his job because of the pandemic and job site closings.

I submitted a request to Suntrust ( now Truist ) for COVID-19 relief, which put my loan into forbearance. I was very lucky to find a job pretty quickly after losing it, and around the same income - and the relief that was provided to me was enough for me to get back on my feet. 

During the process, Suntrust sent me SO MUCH communication. In fact, they sent me two packages of relief to come out of forbearance that I signed - and as you'll see by the dates on the package - they came to me in a matter of a week, which led me to believe that I needed to fill both of them out. 

What I've come to find out is that one of them is a partial claim - which I had notarized, that would have my mortgage payment starting this month - which I wasn't ready for. I then got another package in the mail - which told me I would start trial payments on XX/XX/XXXX - that's the one I wanted ( and apparently is through HUD ). 

When calling Suntrust - and having spoken to one of their associates - who led me to believe that I was in the WRONG for filling out both - and didn't take responsibility for sending confusing notices - I'm now on the hook to pay my mortgage back this month and I'm already 16 days past due and told the associate that XXXX and the other package I filled out was the one I preferred - so that I could get relief and find stabilization during all of this. I've requested twice to speak to someone that makes decisions at Suntrust on why this can't be changed to the 2nd package ( trial payments with HUD ), and why Suntrust would send me two conflicting things in the first place. 

Now I'm worried that because I followed THEIR directions to fill out two different applications ( when I thought it was one and the same ) - this is going to 1 ) negatively impact my credit score ( where I have an excellent one ) and did everything the right way in contacting them when I needed help, something they've boasted about doing - only now telling me that can't help me and 2 ) that my house is at risk - THIS IS OUR HOME. 

If this doesn't get settled here with the CFPB, I plan on taking this to the news. This is absolutely absurd and feels like I was duped - and even the woman on the phone said she didn't understand why they sent me two different loss mitigation options - that it shouldn't have happened ( please, ask Suntrust for the recordings of our telephone calls ).

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 2021-03-16 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Went to XXXX XXXX XXXX  web site. Got one report, Not sure which one, I got confused. The other two said there was problems and told me to request a report through the mail. Not an option that I want. When I tried to start over I kept getting looped back and had to re-enter info multiple times. All subsequent attempts failed.The website is TOO unforgiving and confusing. I think that is deliberate by the credit reporting bureaus. Make things as difficult as possible to discourage users.

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 non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am opening a new complaint related to complaint : XXXX. 

My original complaint still stands. They did eventually credit me the bonus, *after* I spent several hours on the phone with customer service agents ( getting the run around ) and filed a complaint with the CFPB. However, they did not comply with the terms and conditions of the promotion, which required the bonus to be paid " within 90 calendar days from the date from the date you complete all Required Activities. '' I am seeking recompense for the failure to abide by the terms and conditions of the agreement, and for the time I have been forced to consume dealing with customer service reps and the CFPB ( to receive my duly earned bonus ). I bill at $ XXXX/hour and have conservatively spent 4 hours trying to resolve this issue, so I am seeking {$800.00} from Citi. 

In addition to my original complaint, I now have a new complaint against Citi. They lied to the CFPB in responding to my original complaint. They claimed *to you* not to have any record of me being a customer, but they had no problem responding negatively to my complaint via my private email ( message attached ). For the CFPB to take Citi 's word and closing a complaint without giving the consumer an opportunity to refute the companies claim is absurd.

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 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Cancelled an extended warranty on my Capital One auto loan. I have confirmed that the warranty company issued a refund to the dealership. The dealership has stated the funds were sent to Capital One. It has been over 60 days trying to resolve this issue in a timely manner. Capital One has failed to issue a credit to my auto loan for the cancellation of the extended warranty. Capital One has failed to respond to my complaint in a timely manner. Capital One has failed in posting the credit to my account in a timely manner. Capital One has failed in sending me updates concerning my complaint. I continue to pay daily interest on inaccurate principle balance because Capital One is delaying the posting of the large cancellation payment towards my auto loan. Capital One has failed to be prompt, reasonable, and accurate concerning the true balance of my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have repeadetly told Synchrony Bank to stop calling my home phone and they have not stopped ... I even sent a letter to them. Also instructed them to send me a bill and they have not done that. I will pay when I get the bill. 

NOTE : I was instructed by Synchrony Bank to remove the Cease and Desist from my account so they can send me a bill.

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 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-16 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: Synovus Bank
State: FL

Complaint narrative:
First progress reported this account closed XX/XX/2018. Yet first progress is reporting payment history on top of that every month As a chargeoff. This is a violation!!! Fcra indicates that information must report with accuracy and this is accurate? My score has been drastically affected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been having multiple issues with Shellpoint Mortgage Services since they took over my loan in XXXX! They have been missing payments and misapplying payments every month! Just recently had to stop payment on a check they claimed they never received! Check number was XXXX! Never posted to my account! But check number XXXX did and XXXX has not and they were sent together! Something nefarious is going on with this company and should be investigated! Im tired of it! I am getting all kinds of fanthom fees and they broke into my property to do a so called property inspection which I wasnt told about in XXXX of XXXX! This is outrageous! Something needs to be done! This can not keep happening every month! I want my escrow account moved out of this company! And I want my monies refunded as they misappropriating funds! They should not be in business any longer! The amount of stress created every month is killing me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 do not recall having any debt with XXXX other than the account I paid off the full balance, this is an incorrect account and should be deleted. I ask the company reporting to show my signature in any document that proves that the account stated belongs to me. If not provided accurate information related to the account, I request the immediate deletion of the referenced account.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I closed on my property in Hawaii but never received the remaining escrow. I contacted the Lakeview Loan Servicing but since I've sold the property have my loan on record. 

I've provided them with my loan number and the settlement document with their information but they are still unable to find my account. My Loan NoXXXX was deleted after it was paid in full. The remaining escrow was never forwarded to my new address. 

May I ask how your assistance in claiming my remaining escrow? 

V/r, 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
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.

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