vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Third complaint with consumer finance, plus many attempts via mail and credit bureaus. I have repeatedly requested verification of the debt they continue to say is owed, and they are dismissive.Requested : Application records or screen prints of internet/phone applications, Statements/invoices, Payment/charge slips, Investigators summary, Delivery addresses, All records of phone numbers used to activate or access the account, Any other documents associated with the account Please send these records to me at the address on file. They simply answer they feel what they have done is sufficient, and it is not. On XX/XX/2021 they wrote " We feel that our previous response fully addressed your concerns, and our decision has remained unchanged. '' I do not feel that it addressed my concerns at all, and would like the documentation i repeatedly request. If they can not provide it per my rights, they should stop claiming it is a debt. Again, please promptly send all documentation requested, or resolve the debt. If neither happen, I have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a home loan from JPMorgan Chase for 10 years. I was never late on any mortgage payment the entire 10 years that the mortgage was outstanding. However, when I sold the home my Closing Attorney send JPMorgan the Payoff letter and the check to the outstanding balance. JPMorgan received the but it somehow did not get accounted for on the date the mortgage payment was due. JPMorgan, reported that I was late on the very last payment listed on my Credit Report. This is very outrageous given my long standing relationship with them and given that I paid my mortgage payment on time every month for a decade. 

It has been extremely difficult reach anyone who could help resolve the matter. As you my be aware it is the largest bank in the world yet it doesn't have the ability to help long standing clients with issues such as this. 

I would like the late payment removed from my credit report because I was never late on my mortgage and can not be responsible for an issue with the payoff letter that might have happened in their backoffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We applied for the Forbearance six-month plan in XX/XX/2020 due to the financial hardship that we confronted. We were very thankful for this help. However, it is conducting us into deeper financial debt, and all due to the loan agency 's delay response. 
Development of events : -We called Lakeview Loan Servicing in XX/XX/2020 to inform them that we no longer needed this plan and were ready to start paying back our mortgage. The person that answered the call confirmed that he was going to send us the Forbearance cancelation document. And that in the mid-time, he was going to extend the program for another six months. The extension was to cover the time that the review was going to take. 
-We received the documentation by the end of XXXX. We sent Lakeview Loan Servicing all the required documents in XXXX. 
-We called in XXXX inquiring for more information. We were interviewed by one of your agents, that confirmed that all documents were in order and that we just needed to wait for a package in the mail. The package was to contain documents that needed to be Notarized by a Notary Public and send them back. 
-We have made several calls without any useful information, we were only informed that it was still at the underwriting department. 

It's been more than 3 months since we sent them all the documents. 
It's been 5 months since we made our first attempt to start paying. 
Our debt to Lakeview Loan Services is increasing as we are writing this note. 
One of your agents told us that we should not have gone through another Forbearance. and that he could not understand why we were advised to do this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Decreased my credit from {$2500.00} to {$100.00}. Ive never been late. Used the card responsibly. Card balance was paid in full. This has also dropped my credit score tremendously. I am current with all my credit card payments and debts. Ive recently been using my other cards to help others who are in need during this pandemic and I dont want to be punished for this. 

Ive never requested a deferment, or had a problem paying my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
1. Received ad from Citibank in XXXX to deposit {$15000.00} and get a {$500.00} Bonus after X months and subsequent time. It should have been deposited by XXXX at latest. 
2. XXXX opened the account at the XXXX  Branch of Citibank,XXXX  XXXX XXXX XXXX, XXXX , NV XXXX tele XXXX XXXX but don't bother calling as you can not get through ... you will spend your time going through prompts only to be switched to national customer service, which immediately says " We have problems with this system ... '' or something to that effect and hangs up on you. 
3. After opening, we began to get letters from Citi stating my wife needed a W-9 and W-8. After checking with our accountant, he determined although my wife is XXXX she has been a XXXX XXXX for over 20 years and a tax payer and need not submit a W-8 and instructed us how to complete the W-9. We did and sent it in. 
4. A few weeks later we got another letter from Citibank stating that document had issues ( not being clear on what those issues were I tried to get answers via phone ... that was hours wasted, but each time I called they ended it with " Just send in the form or go to the nearest branch and you'll get your {$500.00} bonus ''. Great ... .I can't go to a branch as i have severe respiratory issues and can't risk Covid. We sent a new w-9.

5. Got another refusal of her W.9. Then shortly an email saying that we hadn't given them the info in a timely manner during the course of the bonus so it's not going to happen.

6. As we'd done everything we could do and Citi was at fault as they couldn't give clear direction on what the issues were, we finally had my wife go to the branch but only after I sent a letter to the manager XXXX XXXX ( I may not have that right but close ). 
7. We also sent another W-9 in to the Citi IT branch as instructed. 
8. Although we had sent in yet a new W-9 it was returned as being " Altered ''.!! How? I took it from the web and filled it out. There could be no alteration. I was feeling a bit lied to and seemed maybe we were part of a Citibank program to raise money but not follow through on their end. 
9. XXXX XXXX although he was able to clarify the papers, has only depositied a $ XXXX not {$500.00} bonus. Since then I've sent him 2 letters which he's ignored or has not gotten to him. 
10. We simply want the other {$100.00} we are due. Yet with their customer service and now being ignored by a manager, we're unable to do anything. Please help us. Thanks. It's not big money but it's the principle and they owe us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a debit XXXX card from usbank on XXXX XXXX. I do not have an account with them or have recently opened one. I was informed from my employer that someone filed Unemployment in my name and I have gotten all of the forms in the mail from them ... PIN number, password, amount of weekly amount. I have filed with unemployment about the fraudulent claim but Im still worried there are other issues going on with my information. The address on all of my letters had the wrong house number too ... XXXX instead of XXXX. Thank you ... 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 2021-02-10 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: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/21 my credit was ran by AmeriSave Mortgage Corporation without my consent I received a letter in the mail stating my 3 credit scores and stating I am trying to apply for a home loan. 
I am not trying to apply for home loan or refinance.

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 2021-02-10 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: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
Gm financial is reporting false info on my credit report i file a dispute and all they do is change theve changed it 4 times bow and its still wrong the credit bureas are not doing there job investigating the complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Account : National Credit System # XXXX I'm unware of this debt and did not have the opportunity to dispute. If the collector is stating the provide the notification, please send the receipt of CERTFIED MAIL that should have been received. 

Also, please provide the VALIDATION OF DEBT and METHOF OF VERIFICATION. 

Please remove this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Suntrust closed my account and havent issued me a check yet I keep getting the run around everytime I call they give me no exact date they will send it or give me no time frame

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
When I paid off my lease there were no instructions except for who to send the money to and for how much. The account was paid XX/XX/XXXX and I received a paid in full letter. I first asked via chat how to get the title on XX/XX/XXXX and was told they release the title to the billing address on file within 30 days of payoff posting. I waited until XX/XX/XXXX to follow up as it was almost 30 days and I still hadn't received anything. I didn't get any help and tried to many times during XXXX. Then I finally called and spoke to someone ( after waiting one hour on hold ) and was told I needed to send the odometer statement. Which they would have to mail to me since my account was closed online. That was the only document mentioned. Waited for that in the mail, as they could not email it and then sent it back. I followed up today, XX/XX/XXXX, and was told now I needed to submit titling instructions. Again, no mention of this step in any of the previous conversations or instructions. Now I have to wait 24-48 hours for it to be emailed. And if I want any of this expedited, as I now have 10 days to submit to the XXXX for my loan, I have to provide a XXXX number. Otherwise it will not be expedited. This is ridiculous how long it's taken! It feels like they are purposely leaving out instructions and making it extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
I recently viewed my credit report and became very confused and agitated. I looked into it a bit and found that it is absolutely illegal what is happening to me right now! There are 2 accounts that are identical on my credit. DUPLICATE REPORTING IS ILLEGAL. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
Do not use CURRENT AND THEIR DEBIT CARD. 
They closed my account with no reason and hold my money in their hands. No check was provided because of closed account. By the phone or email they keeping pretend they don't have my account on file, so agent is not able to help. I loose a hundreds of dollars because i used their service! I hope company representative goes to jail. The police report was filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I had a 2 years old account for car insurance. After first Months, the insurance company dropped me saying they couldnt honor the insurance for corporate vehicles and then they cancelled my insurance. Your company has committed multiple violations and mistakes in my credit reports. Craine & Weiner Company, Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 
Account information below : Date Opened : XX/XX/XXXX. Balance : {$120.00} Original creditor : XXXX  I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Canceling insurance Negligence Unfair business practices Re-aging account Defamation of character Because all the damages and violations that I have suffered, I deserve to get this account removed from my records. This is my demand. I give you a deadline of 30 days ( until XX/XX/XXXX ) to delete the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TX

Complaint narrative:
I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. Please help me Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TX

Complaint narrative:
XXXX says it has investigated the below dispute. BoA says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. BoA will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX Name BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
I recently checked my credit and found duplicate reporting of accounts. This is absolutely illegal. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I was first notified in XXXX from Synchrony Bank that there was an outstanding balance of {$1500.00} due from a PayPal Credit card. I spoke with them and told them I dont even have a PayPal credit card. 
They asked if I current resided at a certain address, I did not. It was the address of my sister and her ex-husband. From what I have figured out one of the two opened a credit card in my name and while my sister was hospitalized in XX/XX/XXXX these charges were made. 
After repeatedly telling them it was not mine they sent me a letter to file for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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: MD

Complaint narrative:
I contacted Transunion on 3 occasion about fraudulent information being housed on my credit reports ; I mailed them a copy of a police report and they still have refused to remove fraud inquiries on my report. They are violating my consumer rights by still reporting this information as true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GreenSky, LLC
State: CA

Complaint narrative:
on XX/XX/2021, I apply for a HomeDepo loan project credit card, at the time of the call they offer me 2 % interest for 6 months, and after that it was going to change to the % that I qualified. 
4 days later I got the installment loan agreement, which was 16.24 % there was not 2 % promotion interest for 6 months like they said to me. 
I call them and told them what they offer me, and ask for a manager, told the manager to listen to the recording to see what I got offer.

on the next 4 days the manager call me, and this is what she told me. I did listen to the recording and I want to apologize, they did offer you the 6 months 2 %, but there's nothing we can do, the only thing we can do is do a better training to our employees.

I got XXXX now, and I would like to get some help.

this is the manager of the loan project credit card. 
XXXX from Greensky XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a message from this number. 
XXXX XX/XX/2021 @ XXXX XXXX ( 2 ) hours to confirm your phone. ( XXXX XXXX XXXX ) [ XXXX ] [ XXXX ] Thats the message I received and I immediately knew its a scammer and so I did not open the link or anything so I blocked that number and want to report to you right away

Company response to consumer: Closed with explanation