vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XX/XX/2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally Bank unable to open the bank account due to the ( 1 ) unable to verify identity and ( 2 ) negative information as reported

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
Trying to resolve extra {$290.00} I was charged in interest and late fees because Loan Co took 2 months in delaying accepting my full pay off of {$47000.00} on loan payoff in full. I have corresponded with the company since XX/XX/2019, my last correspondence was a call I made XXXX-19 to XXXX about a letter from the Loan Co dated XXXX-19 stating they would resolve the issued within 30 days in compliance with federal law. I still am not getting any resolution, correspondence or phone calls back from them.

I have called the company 11 times but never get any answers and calls are promised to go to supervisors expediting the complaint but I never receive any answers back.

Attaching copies of letters, ledgers and now 5 months trying to resolve the pay off issue but had to pay additional {$290.00} due to the companies delay in posting my payment.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
It started on XX/XX/2019. Between XXXX XXXX and XX/XX/XXXX, the criminals charged more than XXXX on my AMEX Bloomingdale 's account. Yesterday ( XX/XX/19 ) I got a letter from Bloomingdale 's Fraud Department saying their investigation was complete and that I owed XXXX. They say I am responsible for the charges in question. They said my account can only be accessed by the card issued by them. And that it was used at a chip enabled card reader. I have been a customer at Bloomingdales for about 73 years. Never a late payment. Never make large charges as these are. Or at the places these were charged. They can see that if they review my history with them. 

I have both my cards. Fraud Dept. told me the criminals have my birth date, social security number and a lot more of my personal info. The fraud dept. knows a lot more than they are telling me. The criminal wife was called on one of their large purchases and said that it was okay. that her husband had made it. i haven't had a husband since XXXX. 

I have been dealing with the XXXX XXXX XXXX XXXX police, Sargent XXXX XXXX ( phone XXXX XXXX XXXX ) head of the crime department of the XXXX XXXX police, the three credit companies ( froze them ). And have spoken to the Fraud department several times so was shocked to receive this letter. Police also spoke to the Fraud department. My case with the XXXX Sheriff 's office is XXXX. Bloomingdales case # is XXXX. Initial claim on old account ending in XXXX is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 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 have many complaints against all 3 credit bureaus, and it has been going on for more than 10 years, since the beginning of the credit bureau companies. I am not able to get a copy of my credit report. The website for " XXXX XXXX XXXX '' says they can not verify my identity. With my driver 's license, social security card, passport landing page, voter registration card, car insurance, care registration card, mobile phone statements, bank statements, and more, they have never, never been able to verify my identity. I have repeatedly postal mailed packets of information that is museum quality documents. I have uploaded those documents to their websites. I have spoken on the phone with their staff. Born in the USA, I speak fluent English and have fabulous communication skills. I am not able to unfreeze my credit report since I don't have the PIN that was issued to me more than 10 years ago. I am not able to remove the inaccurate information on my credit report. Wrong names and misspellings of my name. Addresses that are more than 7 and 10 years ago. Refusing to allow me to update my personal statement of fraud alert. I have complained for years, and nothing has been done to get this issue resolved. I am still not able to get a copy of my credit report or remove incorrect information. Fake debts stayed on my credit report for about seven years, and then left. Currently, there's no fake debts, but much false personal information.

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony and Amazon clearly have no control over their online system. I understand the emails about their credit repair were a wide spread issue and apparently just a mistake ... But to say we aren't to worry about any data breach is ridiculous. I've had nothing to do with Synchrony for a long time and the fact that they still float my information around with no concern for security is disturbing. If a company profits on citizens info they should be required to protect it and none of them are held accountable. Small fines in the past have not deterred corrupt companies from failing to leak, like a sieve, everything they know about people.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I set up a store card associated with Wells Fargo. At the time, I asked for the payment due date to fall on or after the XXXX of month. I was told that WF would not allow my wife and I to set payment, and due date would fall on XXXX. I have made 3 payments. The first payment was for {$1000.00} -- well beyond minimum payment. The last two were for the minimum payment. The most recent payments were made on the XXXX ( 48 hours after due date ). They charged {$39.00} for each late payment. 
I have two complaints : 1 ) it seems that WF is trying to manipulate due dates to enable them to access more late fees ( I asked for XXXX or XXXX ; they set at XXXX ; banks know most people are paid twice a month and that they may not always be able to make payments by XXXX ). 
2 ) they allow no grace period. I paid both payments by XXXX within 48 hours -- after I was paid. They should allow a grace period before late fees are charged. They have no such offering, which seems to allow them to maximize fees on the card. 

I called and they agreed to waive one but not both late fees even with I asked her to escalate the issue. 
Thanks for your consideration.

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Shellpoint is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. Shellpoint did not restate the mortgage loan as put forth in my approved bankruptcy plan 10 years ago.

We tried to have Shellpoint correct these issues several years ago ( 2015 ) when they also filed a Notice of Default and Intent to Accelerate. I paid and continue to pay legal fees as a direct result of Shellpoint 's actions.

Recent mortgage statement ( attached ) claims incorrectly that I have an unpaid balance of {$74000.00}. This is not correct.

On this statement, Shellpoint is charging {$100.00} for a BPO, and {$98.00} for a late charge on payment you received. These and all other inappropriate fees should all be reversed.

Shellpoint just returned my regular monthly check ( see attached ). This is improper, violates my bankruptcy plan, and can be seen as an effort to put me in default. Shellpoint just sent a new Notice of Default and Intent to Accelerate, bas
ed on payments not made during automatic stay in bankruptcy 10  years ago, violating my bankruptcy plan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, I have a fraudulent transaction on my account that I have been going back and forth with paypal and XXXX XXXX XXXX to resolve. Paypal claims all transactions are secure and can be resolves but is giving me the run around. 
I sent the money via my debit card and I was told by an agent because it was a large amount paypal processed it as a ach transaction leaving me no protection again fraud via my bank or with paypal. they also mention friends and family and refused to let me cancel the transaction due to it being friends and family although I called several times to file the fraud and complaint. I have been given the run around and was not in receipt of the goods promised and both bank and paypal are refusing to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/19, Citibank notified me of a fraudulent transaction and suggested to immediately close out the account.

Citibank immediately closed the account claimed a new card was mailed out on XX/XX/2019, however, I did not received the card untilXX/XX/2019.

My account is marked as paperless, which means I must retrieve all information concerning this account online.

My payment was due on XX/XX/19, Citibank blocked my ability to make a payment online or find and verifiy charges that were placed on the account after the account was closed. 

Citibank marked my payment as late, charged a late fee, then double the amount do during the next payment cylce and to date has not fixed or provided access to online account or made it impossible for me to make any payments. 

I have contacted Citibank ( 5 ) times and got outsourced representatives in another country that can bearly speak King James english who refused to fix the account waive late fee and reduce amount of payment due on the next cycle. 

Citibank created a problem that affecting my credit score, cash flow and ability to use their card during the holiday period. 

I am requesting formal investigation in Citibank busines practices and asking the CFPB to enact or enforce current laws and protection senior citizen 's with disabilities from this type of abusive business practices.

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 2019-11-26 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: NJ

Complaint narrative:
XXXX XXXX is reporting incorrect information to the credit report agency 's. I spoke and have written to the company with no correction being 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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have many complaints against all 3 credit bureaus, and it has been going on for more than 10 years, since the beginning of the credit bureau companies. I am not able to get a copy of my credit report. The website for " annual credit report '' says they can not verify my identity. With my driver 's license, social security card, passport landing page, voter registration card, car insurance, care registration card, mobile phone statements, bank statements, and more, they have never, never been able to verify my identity. I have repeatedly postal mailed packets of information that is museum quality documents. I have uploaded those documents to their websites. I have spoken on the phone with their staff. Born in the USA, I speak fluent English and have fabulous communication skills. I am not able to unfreeze my credit report since I don't have the PIN that was issued to me more than 10 years ago. I am not able to remove the inaccurate information on my credit report. Wrong names and misspellings of my name. Addresses that are more than 7 and 10 years ago. Refusing to allow me to update my personal statement of fraud alert. I have complained for years, and nothing has been done to get this issue resolved. I am still not able to get a copy of my credit report or remove incorrect information. Fake debts stayed on my credit report for about seven years, and then left. Currently, there's no fake debts, but much false personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CENTERSTATE BANK CORPORATION
State: FL

Complaint narrative:
At CenterState Bank, I made a cash deposit to my account via the ATM on Saturday XX/XX/2019. In the amount of {$840.00}. 

As of today, Tuesday XX/XX/2019, the deposit was not credited to my account. I contacted the bank by phone, and was not able to get any resolution or speak to a manager. 

I drove to the bank. 

They immediately found the issue, and told me they have a problem with their ATM, and it has been a known issue for quite some time, yet, their ATM still accepts deposits. 

They refused to give me a credit, without balancing the ATM, which they advised they only do once a week, or they " would not get any work done '' even when they have a KNOWN ISSUE. 

I advised they need to balance the ATM, so I can get this credit. They advised they will do this, but are making me wait for hours. 

I also advised I would contact the feds, as this does not seem correct to me, that they can knowingly accept deposits in a machine that has a problem, further exacerbated by not balancing. 

I have tried to escalate this issue with the bank, as high as to XXXX XXXX, Regiomal Presiednt, yet can not get anyone to take a phone call. 

I believe a review needs to be done of not only this branch ( XXXX XXXX  in XXXX XXXX, FL ), but of the bank in general. 

This is ridiculous in today 's electronic and heavily regulated environment. 

Ironically, they have time to have 2  employees walking around with XXXX while I sit here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was in the process of refinancing my home at XXXX XXXX XXXX XXXX XXXX CA XXXX. The loan officer asked for a deposit of {$500000.00} into a new savings account to be used to acredit an interest rate discount of .25 percent. The value was about {$450.00} off the mortgage payment. 

Once I opened a new account and deposited the {$500000.00}, the bank debited {$10000.00} ans said it was due to money owed on a business account. However, the new account was personal and not associated with the business. 

I demanded the {$10000.00} returned. 

On top of this, the bank renegged on the ,25 percent and therefore the entire ordeal resulted in them stealing {$10000.00} from my personal new bank 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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I found a fraudulent credit inquiry in my XXXX  credit report. 

The inquiry was made on : XX/XX/XXXX By : TD RETAIL CARD SERVICES XXXX XXXX XXXX XXXX, NJ XXXX I have not applied for any credit since XX/XX/XXXX when I applied for a Visa from XXXX XXXX XXXX XXXX I did change address on XX/XX/XXXX, and the information for lease approval may have been fraudulently used to make a credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
To whom it may concern : A letter was sent ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to Santander Consumer USA submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them. 

I have not received a timely response from the company. 

I sent another letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX dated XX/XX/XXXX, as proof that the company did not furnish the required disclosure. 

Today 's date is XX/XX/XXXX, and I still have not received a response from the company nor the required dispute disclosure on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
Black Hawk Network has lost {$800.00} of my money. 

I purchased four {$200.00} [ {$800.00} total ] MasterCard gift cards from Black Hawk Network in XX/XX/XXXX. 
On XX/XX/XXXX I attempted to make a purchase at a grocery store using each of the 4 Black Hawk Network gift cards. 
All 4 purchases were declined with a " Not Authorized '' message displayed on POS terminal.

I immediately checked the balance of each Black Hawk Network gift card using the phone number & website on the back of the cards.

All 4 cards ' balances were XXXX dollars. 
The merchant confirmed that the purchases were declined and no money was charged to the Black Hawk Network gift cards. 
I waited 2 days for the funds to be automatically returned to the cards. The funds were not returned. 
On XX/XX/XXXX I called Black Hawk Network to ask for assistance. They instructed me to file a dispute and told me that I will receive a dispute form by email. 
On XX/XX/XXXX I received the dispute forms after calling Black Hawk Network again to request the dispute forms. 
On XX/XX/XXXX I submitted 4 dispute forms ( 1 for each card ), photographs of all cards, and an explanation of the declined transaction & disappearing money problem to Black Hawk Network by email. 
On XX/XX/XXXX Black Hawk Network verified by phone that no additional information was needed from me to process the dispute. 
On XX/XX/XXXX Black Hawk Network advised me that their investigation will take 90 days and that they may not return the {$800.00} they lost to me. 

This is a wide-spread disappearing money problem showing the " Not Authorized '' message ( declined transaction ) involving specifically Black Hawk Network MasterCard gift cards at many different merchants. 
Please assist me in requesting Black Hawk Network to send me four {$200.00} replacement cards. Thank you.

Company response to consumer: Closed with monetary relief