vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On the third of XXXX of 2020 I went to an ATM to withdrawal {$80.00} out of my account. I had a {$100.00} balance and planned on leaving the remainder. After several attempts and several surcharges added up I still was not being granted my funds. As I checked my balance again I could not believe my eyes as my balance presented {$0.00} remaining in my account. It was devastating to say the least. I am on XXXX and rely on every penny that I can get to support my family. I contacted customer service on the sixth of XXXX and then called the claims department. No one seemed to know how to help me. After several desperate phone calls to this department and that department with no one giving anykind of realistic name or title of position they held I felt like such a fool for even trying. Still no one has offered to credit me back my {$80.00} balance realistically {$100.00} balance, but all I was asking for was the amount I tried to withdrawal and never received. The claims department told me it would be 4 to 7 days then 7 to 15 and then it became 15 to 30 and then it finally got up to 30 to 45 days before the investigation could be completed.that when I decided something had to be done on a different level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: LA

Complaint narrative:
- Collection agency I.C System, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX, Phone XXXX sent a letter regarding a debt I did not owe. 
- I immediately sent I.C System, Inc a US Postal Certified letter stating I did not owe the debt and to only contact me by Certified mail, their claim is being disputed and to NOT report me to any agency until this is resolved. 
- I received 1 letter from I.C. System to which I immediately responded and received no other correspondence. 
ILLIGAL Practices : - I.C. System reported me to the credit bureaus for 3 consecutive months. The original letter to which I responded ( I have copies of the Certified Receipt ). Plus 2 consecutive months past the original letter. 
- I.C. Systems misrepresented the information to the bureaus on dates of last payment. 
Thank 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 explanation
Consumer complaint received 2020-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Mortgage Acct # XXXX ( Original CFPB Complaint # XXXX ). 


My XXXX  and XXXX  credit reports are reporting that I was late on my XX/XX/XXXX and XX/XX/XXXX mortgage payments. I have provided my XX/XX/XXXX and XX/XX/XXXX XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time to my Bank of America Mortgage Acct # XXXX. I've also provided two letters from Bank of America research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please review the attachments filed in this complaint. 

I provided XXXX  and XXXX  with copies of my XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time and the two Bank of America letters research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX which address the XX/XX/XXXX payment, but " XXXX  '' and " XXXX  '' has refused to delete the missed payment information from my credit report for the months of XX/XX/XXXX and XX/XX/XXXX. 

Can you please assist me in getting the information removed from my credit report as soon as possible. 


Respectfully, 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 non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On about XX/XX/XXXX, I got notification of a collection on my XXXX  credit report from Sequium Assets, asserting that I owed a {$170.00} bill to XXXX XXXX. I have never had a contract with XXXX XXXX, and my contract with XXXX subsidiary XXXX XXXX is fully paid. 

I have never received a paper bill or demand for {$170.00}, nor has XXXX  tried to contact me. 

I contested the collection with XXXX, and it was immediately taken off my XXXX  report. Today, XX/XX/XXXX, I got notice that XXXX  had decided that the collection was legitimate. I am trying to contest the collection so that all my credit reports will match. 

Having done some research, it looks like this debt collector is a serial problem. I'm wondering how to proceed, because their website asks you to give them more information than I'm comfortable with to register a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Our mortgage with Shellpoint Mortgage, Account # XXXX, was transferred to XXXX, effective XX/XX/XXXX. For reference, our new account number with XXXX is XXXX. 

Our final statement received from Shellpoint was dated XX/XX/XXXX and indicated an escrow balance of {$5200.00}. Our first statement from XXXX indicated only {$2400.00} in escrow that was transferred to them. There was also {$560.00} transferred to XXXX, as additional principal, which is a mystery amount. See attachments. There is an amount of {$2100.00} missing. 

I telephoned XXXX on XX/XX/XXXX and spoke to a gentleman, who identified himself as XXXX XXXX. XXXX stated that on XX/XX/XXXX, Shellpoint took it upon themselves, in error, to take out a lender based insurance policy on the property. This never should have taken place, as I had provided evidence of our homeowners insurance to Shellpoint, via email on XX/XX/XXXX and that receipt of that email was confirmed back to me on XX/XX/XXXX by XXXX XXXX, with a copy to Shellpoint Mortgage. See attachment. 

At no point was I informed that Shellpoint was taking this action, nor have I ever seen proof that this insurance policy exists. 

Mr. XXXX states that this was done in error and that Shellpoint will cancel the policy and have a refund sent to XXXX XXXX, which seems to be some company that is related to Shellpoint, as XXXX XXXX is the entity that confirmed receipt of my email in XXXX. 

Shellpoint no longer holds my mortgage and, as this is the second complaint that I have had to make with them to the CFPB, I would prefer that the funds are refunded directly to me and immediately. We are in the process of refinancing our mortgage and it will move away from XXXX within the next week or two.  My fear is that we will be chasing our money between two many entities and, in the meantime, our escrow funds will be short for our upcoming property tax payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account from XXXX filed as bankruptcy on XX/XX/XXXX. Account paid in full XX/XX/XXXX never subject to chapter. Account legal paper work included and the auto title was received in 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 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/20 my account was locked by American Express Serve. I use this card to receive my pay checks on, my own personal money. During this time the stimulus checks were coming out and they were receiving many phone calls with questions about the checks. My only concern was getting in contact with someone to unlock my account so I can access my money from my employer. I was hung up on every time that I tried to call, and I have been very patient. It is now XX/XX/20 and I am still not able to get in touch with anyone. I have to buy groceries for my family with the money that is in that account and I have no way to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Dwight Financial, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Dwight D Financial transferred my debt to XXXX and XXXX XXXX with a balance of {$130.00}. Since then XXXX and XXXX has sent me a letter of collections for the above balance. However on XX/XX/XXXX I have contacted XXXX and XXXX about settling my debt. Since XX/XX/XXXX I have paid my collections debt in full in the amount of {$250.00}. The collections company has agreed to delete all tradeline associated with this account. In conclusion, Dwight D. Financial should not be reporting negative marks on my report. 

I also have proof of account paid in full sent by XXXX and XXXX if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have tried several times to reach Capital One by phone to file this dispute. The only way to reach them is by phone or US mail. THEY HAVE NO EMAIL OR CHAT AVAILABLE!!! I think they purposely wall themselves off from their customers. This bank/card issuer is corrupt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2020, I decided to purchase a NordicTrack XXXX treadmill from Best Buy for {$3900.00}. I noticed that there was an offer almost matching XXXX and decided to purchase from Best Buy as I enjoy doing business with them ( until now ). I  followed their instructions to sign up for a Best Buy Credit Card, got approved, and executed the order with " 24 month 0 % financing '' option chosen. 
Immediately after the order was processed, I received an email saying there was a " problem with my payment authorization ''. I could not reach anyone via Chat to help me so I decided to call on the next day. 

XX/XX/2020 -- I called into the Best Buy help line, they redirected me to what I believe is Best Buy Card Services. Card Services told me 'let us help '. They told me " oh, your credit limit is only {$1000.00} '' which is completely non-sense as I have a XXXX credit score and extremely healthy finances. They told me the only way to make this work is a credit limit increase and they would do that now and get back to me. Nope, no credit limit increase was granted SHOCKINGLY, and so here I am with a hard hit on my credit at least once for a credit card I never wanted, that was only signed up for to fulfill a 24 month 0 % financing offer that doesn't even exist. 

This is outrageous. Best Buy should be ashamed.

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 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I did not open this account nor did I have any knowledgeof this account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Account from XXXX filed as bankruptcy on XX/XX/XXXX. Account paid in full XX/XX/XXXX never subject to chapter. Account legal paper work included and the auto title was received in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXX never late PUBLIC FILINGS US XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
On XXXX, XXXX, XXXX, Mr. XXXX, was contacted by a Debt Collection Law Firm, " XXXX, XXXX, XXXX '', in regard to allegations he defaulted on credit card agreement with XXXX  XXXX. On XXXX, XXXX, XXXX, Mr. XXXX, who is without knowledge to confirm or deny the debt, contacted the Debt Collector to say that all communications must be in writing through certified USPS Mail. The notice was signed for by XXXX XXXX, on XX/XX/XXXX. The USPS tracking number is : XXXX XXXX XXXX XXXX XXXX. After the Debt Collector failed to sue Mr. XXXX, in XXXX XXXX XXXX XXXX, in XXXX, Ohio, on XXXX, XXXX, XXXX, Mr. XXXX, faxed the Debt Collection firm to assert they cease and desist all communications and debt collection activity, via facsimile. 

However, to this day, XXXX XXXX, continues to contact Mr. XXXX, through e-mail, in spite of the notice to cease all communications, and only communicate through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Please refer to case number : XXXX for background. 

I was assaulted and had my wallet stolen. One of the thieves ran up charges on my Best Buy Citi Visa card. 

This is the worst credit card I've ever owned in my life, and I can not wait to dump it once this gets resolved. 

That month, I paid off more than my entire interest bearing balance less the fraudulent charges. 

I was assessed {$15.00} in interest that month, because the citi had not removed the fraudulent charges from my account. Because of that, I was carrying an interest bearing balance for the month. However, if you reduced the interest bearing amount by the fraudulent amount, then I actually paid more than what I owed for interest bearing purchases. 

Fast forward to today, I received a letter stating that they determined the charges were fraudulent and they refunded the fraudulent amount ; however, they never refunded the interest. 

The assault happened on XX/XX/XXXX. It is now XX/XX/XXXX, and after repeated calls and time wasted, the money is still not refunded.

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 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I missed an increase in my escrow payment because I changed my mailing address and failed to pay the required monthly payments for a few months. As a result I was behind on my payments, but I was still paying at least 80 % of my obligation every 30 days. My serviced held all my payments until there were full payments and then applied them to my balance. When I learned of the shortage, I immediately paid my late payments in full and brought the account current. Later, I discovered PennyMac reported to the credit agencies that I was more than 60 days past due -this was never the case as I had paid every 30 days. I challenged this negative mark with PennyMac directly, and they actually amended all my reports to remove the delinquency. However, several months later, I requested an appraisal from them to qualify for PMI removal and they declined my request to move forward with this process because they said I was 60 days past due -which they already admitted to the credit agencies was an error, but I guess never updated their own internal records to reflect this. I called to discuss the error and resubmitted my request -Ive done this 3 times now, and I keep getting passed around from agent to agent, with letters sent declining me for the same reasons, with no explanation or proof that they have reviewed or researched my case. Ive paid {$1200.00} in PMI in the last 6 months that Im eligible for removal with a simple appraisal and that they refuse to move forward with due to an error on their part. I believe their customer service has been abysmal and that their operations are grossly mismanaged such that more complex cases, such as my own, are never scrutinized or reviewed or managed appropriately. They are more concerned with protecting their investors than with actually servicing their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18 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: AL

Complaint narrative:
I have sent letters to the credit bureau advising them this is not my information they have failed to respond to my letters. I have disputes from Equifax and XXXX. They should update this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late PUBLIC FILINGS U.S. BANKRUPTCY COURT XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2020-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
This lender is usuriously charging interest on this loan, after paying 3x min payment for a year my balance has only gone up. When I signed a contract with them they obligated it would be 18 months no interest. Upon checking records I am paying 40 % interest for every 100 % payment made, meaning the APR is very illegal in the state of California and what this company is doing violates multiple lending laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation