vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I charged a deposit for a stay at the XXXX XXXX XXXX in XXXX XXXX NJ. On XX/XX/XXXX I charged a deposit of {$720.00} to hold my hotel stay for XX/XX/XXXX. Due to COVID-19 I have to push my stay until XX/XX/XXXX. My family has decided because of COVID we were going to cancel the reservation. The hotel was fine with it and refunded my money to the debit card I used to make the reservation ending in # XXXX. The problem is that sometime between that charge and now I lost that card and a new card with a new number was issue to me. The new card and the card ending in # XXXX were both attached to my same bank account ending in # XXXX. However, because of the amount of time between the card being lost and now the card is no longer attached to my account # XXXX. The hotel is unable to refund any other card and the bank is unable to retrieve the funds from the old card because it has been too long according to them. So I have a hotel that wants to refund me {$720.00} and a bank that is unwilling to get me those funds. How do I get my money back?

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month (XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX ). Additionally, we traded in two older XXXX and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided XXXX  documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from Sunrise Credit Service, Account # XXXX, opened on XX/XX/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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I was laid off from my full-time job in XX/XX/XXXX. After significant job seeking activities and interviews, I received a verbal offer of full-time employment by a hiring manager with the federal government in XXXX of XXXX. However, due to the COVID-19 pandemic, the hiring process has been significantly delayed at every stage and created a hardship for me and my daughter. I received the written offer in XX/XX/XXXX, was in the security clearance process through XXXX and the agency is now awaiting budget approval for the position. 

I was able to pay my mortgage, secured in XXXX with Virginia Housing and backed by XXXX XXXX, with personal savings and severance pay until XX/XX/XXXX. At that time I was approved for a forbearance program with Virginia Housing. I have discovered that Virginia Housing has reported missed payments to credit bureaus. I have verified with a Financial Education counselor at the XXXX  XXXX Extension office that the federal CARES Act directs lenders to not report missed payments as part of a forbearance program associated with hardship and the COVID-19 pandemic so long as the account was current at the time of the forbearance program application. 

I have explained this to my forbearance program representative and a customer service representative over the past few months, but my credit report still reflects missed payments to Virginia Housing. I received a letter this month stating that Virginia Housing would not be correcting the information because it is " accurate. '' While I understand the information is " accurate, '' reporting the information is in violation of the federal CARES Act, as I've stated above and verified. 

I have also reported this issue to XXXX and not received a response. 

I would greatly appreciate help rectifying this situation with Virginia Housing  and the credit bureaus in order to protect my previously good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I was contacted today XX/XX/XXXX by a female at my work phone number from a company called XXXX calling on behalf of XXXX she says.I told her I don't know what the loan was for and that i recently paid off all of my debts. She went on to tell me that " I work at a XXXX and i should know how it works '' Threatening me saying " she doesnt know how i am still employed because i owe the money and i need to resolve before they take further action '' They claim they have sent me emails, which i have never received. They also said it was from XXXX, why is this no where to be found on any of my credit reports? Last time a gentleman called and started giving me a different customers DL #, address and ssi? This is not okay. 
She called from XXXX i received a call a few weeks ago in XXXX of XXXX as well. 
My mail has also been forwarded from any previous addresses i have had so i would have received communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity bank /victoria secret is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC has block my account without any valid reason, to protect me they said. They unwanted protection cost me a bunch of late fees on different account, a notice eviction, and I have to borrow money in order to pay basic stuff like foods, water, electricity. I would like them to refund {$1000.00} of late fees on other account, eviction fees and other fees i have incurred. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Affidavit of Truth This is a notice to all that I am XXXX XXXX, I swear and affirm the following facts.WellsFargo Auto ( Bank ) is knowingly and willfully continuing to violate my rights as a federally protected consumer under the FDPCA 15 USC 1692. WellsFargo Auto ( Bank ) and their representative XXXX ( XXXX ) XXXX, is choosing to disregard my cease and desist that was sent to them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by calling my phone without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction pursuant 15 USC 1692c ( a ). WellsFargo Bank should not be calling my phone for any reason once such notice of ( cease and desist ) from the consumer is made by mail, notification shall be complete upon receipt pursuant 15 USC 1692c ( c ). Furthermore, he is calling me at a time thats inconvenient to me, which is another violation of 15 USC 1692c ( 1 ). He wasnt there for the open end consumer transaction therefore he has no grounds to speak on my case or anything involving my case because he is going off of hearsay and infringing on my rights to privacy. And because I didnt give them consent and gave them a cease and desist and they keep harassing me anyway theyre in violation of 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. WellsFargo Bank and any of their representatives do not have permission to contact me. Wellsfargo only have permission to respond to me in writing and only with an Affidavit of Truth rebutting my Affidavit line by line under the penalty of perjury or my AFFIDAVIT STANDA AS TRUTH IN COMMERCE AND TRUTH AND MATTER OF FACT IN LAW. Silence is acquiescence. Responding with anything else is not a response and doesnt matter in a court of law. And lastly if they need to respond to my complaint by invoking my specified remedy they should do so in writing through cfpb and through the mail. I am enforcing my rights 15 USC 1692 and WellsFargo Auto ( Bank ) and their Rep is liable to me under 15 USC 1692k. 
Welsfargo Auto that they are on notice and demanding they comply with my Cease and Desist and not contact me regarding this alleged debt anymore unless they are invoking my specified remedies or that they intend to invoke a specified remedy or to advise that further efforts are being terminated, Pursuant to 15 USC 1692Cc ( 1 ) ( 2 ) ( 3 ). 

AGAIN, DO NOT CALL MY PHONE OR CONTACT ME THROUGH ANY MEDIUM IN REGARDS TO THIS ALLEGED DEBT!!!!!!!!!!!!!!!!!!!!!

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
Received an alert on my monitoring that a new collection is reporting with Conrad Credit Corp. I have no idea what this is and if it was to have opened in 2016 why is it just now reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting inaccurate information on my credit report a refuses to investigate properly the accuracy of the information they are reporting i have made several attempts to have it corrected with no success also reporting inaccurate addresses and refuses to delete them aswell

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 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I completed an electronic mortgage application with mortgage broker AmeriSave Mortgage Corporation ( NMLS ID # XXXX ). I filled out the online application while I was on the phone with Loan Originator XXXX XXXX ( NMLS ID # XXXX ), who instructed me on how to fill out certain fields. XXXX instructed me to choose to float my rate vs. initially locking in a rate and explained that AmeriSave would honor its initial good-faith estimates if interest rates were to go up. I subsequently spoke with XXXX 's Mortgage Sales Manager XXXX XXXX ( NMLS ID # XXXX ) who confirmed that this instruction was consistent with what AmeriSave Mortgage Corporation instructed its Loan Originators to tell customers at the time, and was consistent with what other customers were told. XXXX repeated the promise that AmeriSave would honor its initial good-faith estimate in case of a rising interest rate environment several times on a recorded phone line, and I have emailed both XXXX and AmeriSave 's compliance department instructing them to preserve all recordings. XXXX and XXXX subsequently related that AmeriSave was no longer willing to honor its initial good-faith estimate after rates went up and offered to cover part of the difference in rates. It was made clear to me and other AmeriSave customers that AmeriSave, not its customers, was bearing interest rate risk. 

I contacted various AmeriSave managers including XXXX XXXX XXXX, AVP of Compliance, who told me " Rates can not be promised. Either the rate is floating ( and the rate can fluctuate until locked ) or the rate is locked. '' This is inconsistent with the instructions given to AmeriSave 's Loan Originators and the representations made by same.

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 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I do not agreed with the final solution on claim # XXXX after being under higher up investigation for almost 3 months .the claim was reopened 3x as you all can see on the records .I have sent the item back to XXXX ( seller ) so with that being said is not a fair situation that I lost $ XXXXand did not keep the item. I SENT IT BACK THROUGHT USPS TRACKING 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 2021-03-26 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: FL

Complaint narrative:
XXXX XXXX /XXXX  XXXX is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX /XXXX  XXXX is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.

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 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CT

Complaint narrative:
On the XXXX of XX/XX/2021 I received text messages that appeared to be from Chime fraud department asking if I attempted to make certain transactions and to reply yes or no I replayed no I then received a call from The chime number from a man saying there was attempted fraud in my account. The man also knew my address. I did not give him and of my personal information. 

He instructed me to follow links through text messages he sent to Chimes number that Chime texts from. He said if I dont follow these steps my account will be compromised. I followed the steps and as soon as I pressed a green button he hung up on me. I immediately received a message saying I sent {$390.00} ( my balance at the time ) to a XXXX XXXX. 

The man was able to manipulate their system and create links that looked like they were designed by Chime coming from all of Chimes phone lines/system. He was very polite and informative. 

I have filed a dispute twice with Chime. First time they denied my dispute without even seeing my proof. I have called them several times over the weeks and the last time I called the agent said Chime sent me an email on the XXXX of XXXX denying my dispute for the second time. I never received that email, he failed to forward me that email then he said they must have sent it to another email BUT chime has only one of my emails, he then said the investigation team must have made a mistake and sent it to another email. 

Chime has opened my case again. I will continue to fight for whats rightfully mine. 

I have filed a police report and FBI report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Received an alert on my monitoring that a new collection is reporting with XXXX XXXX XXXX. I have no idea what this is and if it was to have opened in 2016 why is it just now reporting?

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 2021-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
This is my second time making a complaint. I was in the process of reporting this issue to the Federal Trade commission and i was redirected to this page. According to the fair credit reporting act this inaccurate inquiry must be removed from my XXXX  and XXXX  account and not just closed. this item is Derogatory and is negatively impacting my credit score. It was Already removed Fully from my XXXX  account. This item was opened onXX/XX/2020 for the amount of {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My Citi Bank Costco credit card was stolen from my gym locker on XX/XX/2021 between XXXX and XXXX. The credit card was used to make a {$500.00} purchase from a XXXX location. Citi Bank alerted me to the likely fraudulent activity via the Citi Bank App. I attempted to use the app to lock the card and report the card as stolen. The app was unable to lock the card of course and gave an error message. I called Citi Bank and reported the card as stolen and the charges as fraudulent. I successfully reported the card as stolen via phone at XXXX on XXXX. A provisional credit was issued to my account. Following an investigation, the credit was reversed and I was held liable for this {$500.00} charge from a stolen credit card. The reason for this reversal is that a request for additional information was mailed to me with a due date in XXXX. I called and provided this information after the requested due date on XX/XX/XXXX. 
I should have called sooner, but I still reported the card as stolen within hours of having it stolen. The credit should never have been reversed and the information they required was not relevant to the fact that the card was stolen.

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by Experian.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have XXXX homes which have never been paid late XXXX car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one time.

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