vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snap Recovery, Inc.
State: MD

Complaint narrative:
On XX/XX/2024 I contacted XXXX XXXX to tell them that I can no longer use there services because I got a new job and would now be working XXXX jobs and would not have the time of energy to commit to Pilates. I had first spoken to XXXX who said she would contact XXXX to see what she could do. That same day XXXX contacted me back and told me because I was receiving classes at a discounted rate I could not cancel my membership. I then told her that if the issue is the discount, I will be the different between the discount and normal monthly rate for the months that I was using the service at the discounted rate. XXXX then said I would have to talk to XXXX about that and that she has the discretion as to letting people cancel their membership. I then spoke to XXXX about it via text and she basically said what I was already told that she would let me cancel the membership even though I was willing to pay the difference between the discounted rate and normal monthly rate. I also told her it isnt right for me to pay for service that I am not using. I think called my bank told them what was going on and had them block XXXX from taking money from my account. The next day XXXX texted me and told me she was going to send my XXXX paid payments for the months that I have not been using the XXXX services to debt collections. I then called my bank and told them that she was threatening to take the to a debt collection agency and they said they will make a note of that. On XX/XX/XXXX I started receiving calls and texts message from snap recovery trying to collect money on behalf of XXXX for service I did not use. I count calls every day up until I believe some time after XX/XX/XXXX I sent a letter requesting they stop harrasing me and the I'm disputing the allegation that I owe said money. Today. XX/XX/2024 I got an email from my bank stating that a degragatory account by snap recovery has been had to my account. I don't want this on my account. I work hard to pay my bills and build my credit score. I don't think this is fair and that I should pay for services that im not using. I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We changed our homeowner 's insurance carrier effective XX/XX/2024. The Certificate of Insurance was mailed to the mortgage company at that time by the new insurance carrier. I also uploaded the new Certificate of Insurance on XXXX website. We received a letter from NewRez dated XX/XX/2024 that we did not have insurance on the property so they had bought insurance on our behalf and added the cost to our mortgage loan account. The cost was significantly higher that the new insurance that we had already purchased. On XX/XX/2024, I followed the directions in the letter that was dated XX/XX/2024 and uploaded the new insurance 's Certificate of Insurance. Then last week, we received a XXXX Notice from the new insurance company because NewRez has failed to pay the insurance invoice in the amount of {$880.00} which is due by XX/XX/2024. The insurance has always been escrowed by NewRez. At that point, I called NewRez and spoke with XXXX XXXX on XX/XX/2024 and she opened a case regarding insurance documents and nonpayment. She gave me an email to which I could forward the invoice. I did that and once again included the Certificate of Insurance. I have checked NewRez 's account detail on this property every day since then and the insurance has not been uploaded in account details. We have had problems in the past when we have had to pay the insurance ourselves because NewRez has not paid it and we never received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
My AmEx gift card was for {$200.00}. I submitted an order from XXXX for a pair of shoes on XX/XX/XXXX. The order appeared to go through but then I got an email that my order had been cancelled, on XX/XX/XXXX : Dear XXXX, Unfortunately, we are unable to secure a credit card authorization for this order and you have not been charged. Any temporary authorization you may see on your credit card or other form of payment will drop off. The following order has been canceled. 

Thanks, Your friends at XXXX I called XXXX and tried to order over the phone. The person I talked to said my order went through but then, again, I got an email that it had been canceled due to the payment not being approved. 

I tried called American Express but couldn't get through to anybody. The recording told me to try their website ( XXXX XXXX. The website says to try a different company so I tried ordering from XXXX XXXX on XX/XX/XXXX. I got the same message, that the card wasn't valid. 

One of the reviews that I found on XXXX said to try to transfer the card to XXXX XXXX and see if you could use it that way. I tried that but not sure if it worked, or not. 

The last time I could access the card it showed my balance was now down to {$190.00}. As of today, XX/XX/XXXX, I am not able to open the link to the card so I have no idea what's going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
To Whom It May Concern : I am writing to formally lodge a complaint against Bank of America regarding their failure to provide a promised {$100.00} statement credit as part of a promotional offer for the XXXX XXXX XXXX XXXX XXXX XXXX. 

Details of the Offer : The promotional offer, as detailed in the attached screenshot, promised a {$100.00} statement credit, XXXX bonus miles, and up to XXXXXXXX XXXX XXXX  upon meeting certain criteria. Specifically, the {$100.00} statement credit was to be applied after making {$2000.00} or more in purchases within the first 90 days of account opening. 

Issue Description : I have adhered to all the terms and conditions of the offer : XXXX. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX within the promotional period. 
XXXX. I made purchases exceeding {$2000.00} within the first XXXX  days of account opening. 

While I have received the XXXX bonus miles and the XXXX  XXXX  as promised, the {$100.00} statement credit has not been applied to my account. 

Attempts to Resolve : I have made multiple attempts to resolve this issue directly with Bank of America : XXXX. I have called customer service numerous times. 
XXXX. Each call results in a reference number being provided. 
XXXX. After each call, I receive a letter via mail instructing me to call customer service again. 

Despite these repeated efforts, there has been no resolution, and I continue to be caught in a cycle of contacting customer service with no satisfactory outcome. 

Impact : The failure of Bank of America to honor their promotional offer has caused significant frustration and inconvenience. The lack of resolution and the repetitive nature of the responses from customer service are unacceptable and have eroded my trust in the bank. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance. 

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I deposited a cashiers check from another bank into my 5/3 bank account. I confirmed with the bank teller that the cashiers check was valid and once it cleared it would be available as funds to me. Amount {$1900.00}. The next day, I verified the amount was cleared in my account, I then contacted my bank to confirm the same. 5/3 confirmed the amount had cleared and the money was in my account. On XX/XX/XXXX, I noticed the deposit was involuntarily removed from my account. I contacted XXXX who stated the money was removed and could not tell me why other than I should contact the issuing bank? I asked to speak to a supervisor who gave me the same information ( XXXX ). I advised the bank representatives that once they clear another banks check, and deposit that money in my account, they can not arbitrarily remove it. If there is a dispute, it is their responsibility not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I got a bank of america credit card because in speaking with a phone rep there I was told certain terms regarding a balance transfer I planned to do. After applying for the card and being approved I saw that the information I was given was false so I called and complained to bank of america and cancelled the balance transfer I had initiated. I then used another credit card at another bank to do the balance transfer. 

A few weeks later I was notified by bank of america credit card that my balance transfer had gone through. I previously had complained and canceled this balance transfer due to being given false information- so why did they do this? I called to correct the matter and after spending many many hours on the phone... they do not have a functional phone system or customer service. It is designed to waste your time. Non- functioning automated systems, terrible over seas call centers, incompetence, disconnections, hold times of over an hour .... a nightmare. Eventually I reached a supervisor XXXX XXXX. 
He said if I returned the funds I would get " the balance transfer fee returned to me - 100 % " He apologized for the mistake Bank of America had made. XXXX gave me his direct line and told me he would answer when I called. I have called over 10 times and left 10 messages over the past several weeks. He has never called me back. 

I ultimately, had to wait till the money got to XXXX from Bank of America. Then ask them to mail me a check, then deposit the money in my chase account and then make a payment back to Bank of America. I have done all this. I have had to call their horrible phone system repeatedly and spent well over 12 hour on the phone with Bank of America trying to correct their mistake. I have sent the money back to them from the balance transfer. I have not received a refund for the balance transfer fee as I was promised. This has been the worst experience I've ever had with a bank or credit 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 monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I woke up this morning to a message that said I had XXXX funds in my savings account and my checking account. I tried to go online. There was absolutely nothing there but my credit card. I finally called at XXXX XXXX and got an answer from the young lady and she said that the bank closed my account and I would be receiving a check. I was given no reason even after I went to the bank except that the bank has a choice whether to choose a customer or not I have been with this bank since back before it was first federal, then guarantee then Compass and now PNC, I have direct deposit going in there and I have bills that automatically come out and they just close my account without even calling me or asking me any questions. I am supposed to receive a letter in the mail along with the cashiers check. Meanwhile, I have no access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear Experian, I am writing to you regarding my credit report dispute, reference number is XXXX. It has been XXXX  days since I submitted my dispute on XX/XX/year>, as per the requirements of the Fair Credit Reporting Act. According to the FCRA, consumer reporting agencies like Experian are required to investigate disputed information and provide a response within 30 days of receiving the dispute. However, it has been 45 days since I submitted my dispute, I have not received any documents or a response I have requested from the investigation. The name of the company, their phone number, address, website and the person 's title and has anyone talked to my family and friends? All of these falls under the FCRA laws. Experian 's failure to do a reasonable investigation on the the disputed accounts in the 30-day time frame mandated by the FCRA, the disputed information shall be removed from my credit report immediately. Since Experian did not respond within 5 business days, I will consider the disputed items verified as inaccurate and they shall be removed immediately. Experian, is legally required to complete their investigation and provide the consumer with results within 30 days. 
Sincerely, 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 2024-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with this creditor that listed a collections on my credit report. This is related to a medical bill, I did not receive any response in regards to my request for supporting documentation, In relation to my medical bill with the original creditor, this has been paid off by my insuarance. 

Per my insurance : Medical Claim # XXXX Dateofservice : XX/XX/year> DateReceived : XX/XX/year> Physician services provided for an emergency room ( er ) visit, including medical decisions, evaluation and care. 
Claim Codes : We have received additional information. Your claim has been reprocessed based on this information and the benefits available under your plan. ( QG )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Account Name : XXXX Account # : XXXX Balance : {$13000.00} Opened Date : XX/XX/year> Account Name : XXXX Account # : XXXX Balance : {$0.00} Opened Date : - High Credit : {$300.00} Account Name : XXXX Account # : XXXX Balance : {$0.00} Opened Date : - High Credit : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). 
the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Hum

an Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -..- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, I sent out a notice to all XXXX  credit bureaus stating I want all of the incorrect names and addresses removed from my credit report. They were removed from XXXX XXXX and XXXX with no hiccups, but Experian is giving me a little bit more trouble and not removing some addresses. I have also called and still cant get a removal, I should not be having this much trouble. I sent them a copy of my ID and I sent them a copy of my utility bill showing that with my name and my correct address on there I can not correctly dispute accounts and hold them liable if I can not get those addresses removed. I feel like this is there way to get out of investigating inaccurate accounts. I am entitled to a complete and accurate credit report according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  Charge account with account # XXXX opened on XX/XX/year> and a balance of {$1800.00}. 
According 15 U.S. Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

I previously disputed this account stating : ''15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have provided my photo ID along with the other required documents. 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
In accordance of of the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have a right to privacy and 15 usc 1681 section 604 a section 2 states that a furnisher can not report a account without my written instructions under 15 usc 1666b a creditor can not treat a payment under a open credit account as late for any poupose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My safe deposit box that i am the only one with permission and a key to was robbed for almost XXXX XXXX dollars in cash and money orders, jewelry including my wedding band and engagement ring and alll my important paperwork ids, birth certificates n ss cars for me and my kids and other things I have used that bank the entire 12 years they have been open every one of the people that work in the back to let you in the boxes know me very well and XXXXXXXX XXXX XXXX XXXX XXXX so i strongly believe whoever signed into my box must have known whoever let them in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am very frustrated with the lack of access and control I have over my TransUnion credit report. Even after completing their authentication verification process, I am still unable to view or manage the information in my credit file. This is unacceptable, as consumers should have full visibility and control over their own credit data. The process of obtaining and reviewing my TransUnion credit report has been needlessly difficult and obstructive. I demand that TransUnion provide me with immediate and unrestricted access to my complete credit information as is my legal right.

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