vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
We sold our house on XX/XX/XXXX. Homebridge is the mortgage company with our escrow account that would need to be refunded. 
XX/XX/XXXX XXXX We call Homebridge about our refund for our escrow. We were informed their policy is 17 days after the close of the house. We were given the amount of the refund and that the check should arrive by late that week or early the next week. 
XX/XX/XXXX - Called Homebridge, we should have received the check by now, verified our new address and they would reissue check. 
XXXX XXXX Had not received refund check yet, called Homebridge , checks are slow due to covid and may take extra time. Informed her a check was to have been sent over two weeks ago, she verified we should have received it. She would expedite this and see if a new check could be sent out. Again, we verified our mailing address. 
XX/XX/XXXX - Had not received check, so we called Homebridge again. Check had not be issued yet, but was going to be expedited. We are closing on new house on XXXX XXXX and this refund check is needed for part of closing costs. Was going to expedite this and get a check issued. To call tomorrow afternoon and they would have information on check being sent out. 
XX/XX/XXXX - Called Homebridge, check not issued yet, would have check issued and overnighted by XXXX  XXXX, call tomorrow for tracking number. 
XX/XX/XXXX - Called Hombridge, Check has been issued, but did not have a tracking number for it.Should receive check on Monday by XXXX  XXXX. 
XXXX XXXX Did not receive XXXX  XXXX package. Called Homebridge, should received today or tomorrow ( tuesday ) did not have tracking number but did give a XXXX XXXX   confirmation number XXXX XX/XX/XXXX - Did not receive check. Called Homebridge. No refund Check has been issued by XXXX. Would expedite and have a manager call today. 

Well no manager has called us today or tonight. I should include that during these calls on these dates, it was never the first call, we would have to wait 35 to 45 minutes for someone, who would hang up and then we would have to make the call again. Overall we were hung up on 12 times. 
So in essence, we have been hung up on multitude of times, lied too a multiple amount of times and still no payment. We are having to liquidate some funds to we can pay for our closing on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Opened a XXXX checking account on XXXX with terms of a {$400.00} bonus if opened with {$200.00} and receiving a direct deposit within 60 days. Opening deposit was made for {$200.00} and direct deposit was recieved on XX/XX/XXXX. Bonus only paid {$200.00} on XXXX. 

I contacted the company via secure message and was told that I had a {$200.00} promo had been applied, not the {$400.00}. There was no {$200.00} offer, only a {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for Captial One Bank ( USA ) N.A. However, Capital One sold the two credit  card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as Capital One Bank ( USA ), N.A. legal counsels, and was fighting the cases. Then the courts were shut down in XX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19.

A few days ago ; the collections agencies made new reporting to  XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; XXXX XXXX XXXX, XXXX. posing as Capital One Bank ( USA ), N.A. They are a debt collections agency that buys old charge-off debt. This company does not represent Capital One Bank ( USA ) N.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Cha

se bank began contacting me saying they were going to lock and close all my accounts ( credit cards, debit cards, bank accounts, etc. ) Due to suspicious activity that originated from unemployment funding from the corona virus. I've spent multiple hours emailing, calling, and meeting with bank staff face to face providing the information and material proof they asked for. I've been told multiple times everything is kosher and that I am clear of suspicion. They have still locked and closed my accounts. Now I am unable to access any of my funds, pay bills, and am unable to resolve financial issues due to this closure. Their response times have become slower and slower and my calls are not being answered or responded to nor are my emails being addressed directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I transfer in {$1500.00} on XX/XX/XXXX. In XXXX and XX/XX/XXXX statement, the ending balance is over {$1500.00}. So I thought I should not get any monthly service charge because my balance is over {$1500.00}. 
I did not get any paper statement. I did not login to check my account until this XXXX. I found I got charged {$12.00} every month, total near {$300.00}. 
I called Citi bank on XX/XX/XXXX, I was told that she could not see my XX/XX/XXXX balance. Then transfer to supervisor XXXX. He told me same, he could not see my XX/XX/XXXX bank statement. He could not help me much because they could not get my balance in XX/XX/XXXX and asked me to go to local branch, although I was able to see my XX/XX/XXXX bank statement online during the call. There is no Citi branch within 200 miles of my place. 

I have XXXX begin balance and end balance in XX/XX/XXXX. Then I got $ XXXX  monthly service charge every month since XX/XX/XXXX. I did not know it because I have never gotten a paper bank statement. 

I got 2 monthly fee refund on XX/XX/XXXX. 

I transferred in {$300.00} on XX/XX/XXXX, bring my balance over {$1500.00}, so I should not get any monthly service charge. 

I checked again on XX/XX/XXXX, I found I still got monthly service fee on both XX/XX/XXXX and XX/XX/XXXX. Glad I transferred in extra money to make my balance is still over {$1500.00} after the $ XXXX   monthly service fee, otherwise I would keep getting charges. 

I called Citi bank again on XX/XX/XXXX, they tried to waive my two monthly service fees and got declined. Then the phone was disconnected when I was waiting for talking to the supervisor.

The bank statement was really confusing and the bank kept charging  me even my balance is over their minimum balance requirement to waive the monthly service fee. They could call me, or send me a paper statement, rather than keeping charge me. 

Please waive all of my monthly fee over since XX/XX/XXXX. 

Thanks

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 2020-10-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have XXXX  XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XX/XX/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 2020-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America put a hard inquiry in my credit report

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 2020-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed a dispute with Equifax three times asking for them to remove a collections on my account. Each time it has come back as verified even after I have provided proof for them to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following account listed below is fraudulent accounts and does not belong to me. They are in violation of FDCPA XXXX and the accounts need to be deleted from my credit report : 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 2020-10-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following account listed below is fraudulent accounts and does not belong to me. They are in violation of FDCPA XXXX and the accounts need to be deleted from my credit report : 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 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX TransUnion received my dispute letter for the accounts XXXX XXXX XXXX  and XXXX XXXX XXXX. These accounts do not belong to me and I asked them to verify these accounts. 

The response I received ( file no. XXXX ) simply stated the accounts were verified but TransUnion did not provide any evidence that these accounts actually belong to me nor did they provide any evidence that an actual investigation took place. In turn, I sent a letter asking TransUnion to verify their methods of investigation used to verify these accounts. ( which they received on XX/XX/XXXX via certified mail. ) It is my understating, according to the Fair Credit Reporting Act, that TransUnion should have sent a response to my method of verification letter within 15 days. However, they sent me a response more than 26 days later. 

Moreover, their 2nd letter still provides absolutely no evidence that the accounts belong to me or that there was an actual investigation. Overall, TransUnions response to my dispute has been both untimely and inadequate. Due to the fact that these accounts never belonged to me and there is no evidence that they belong to me I want TransUnion to delete them from my file. 

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: OK

Complaint narrative:
This complaint is against Elan Financial services the issuer of my card. I was a credit card customer with them for over 8 years. I paid my bills and suddenly about 6 months ago they reduced my credit then today I found out today the company completely closed my account. The poor excuse they gave was I was making too low of a monthly payment. Mind you this also reduced my credit score by almost 40 points. I regret ever getting involved with this company.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Apply for Credit Card, I have high credit score, and no high balances in my credit card, no late payments, no derogatory marks in my credit report, I have very good credit rating. Card Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, I sent correspondence over 60 days ago and my credit account remains affected by the incorrect information being reported. I send the letter on XX/XX/2020, I feel like Im being taking advantage of and I do not appreciate it. I was also affected by the XXXX data breach which is causing problems for me.

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 2020-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had loan with XXXX XXXX. The collection lawfirm that broke the law and committed fraud is Jefferson capital systems. My social is. They claimed to serve judgement to me through my wife and thwy lied. I was XXXX  from XXXX. To XX/XX/XXXX. They said they served me on XX/XX/XXXX. This is intentional fraud. My wife was not home and never talkes to any man at the home. She will testify in court. My full name is XXXX XXXX. My birthday is XXXXand the website you can confirm this at is XXXX in florida. This is a easy win for a lawyer. This company already has a classaction suit. Please provide lawyer who will prosecute. There is no other adult in my home they couls have talked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a )  states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz of Tulsa, Inc.
State: TX

Complaint narrative:
On XX/XX/20 I received medical care at a walk-in facility. I filled out intake information with personal details including my address. I provided insurance cards for both my health insurance plans. I did not pay at time of service. 

On XX/XX/20 I received a phone call from a collection agency discussing the debt. I called them back on XXXX. They confirmed over the phone that a notification was sent to a particular address. I do not live at that address. I called the billing department for the medical facility and gave me the particular address that was incorrect. 

Had I received a bill for this, I would have paid immediately ; before it was submitted to collections. I have the means to pay this bill and the intentions to settle the account ASAP.

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 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had {$1500.00} withdrawn from my Cash App account ... it was unauthorized they hacked my account. I have emailed Cash App support numerous times and they will not response to my emails about my account being hacked. The date was Saturday XX/XX/2020. The amount {$1500.00}.

Company response to consumer: Closed with explanation