vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony bank I recently had fraud on account. I reported fraud I also contacted merchants to get credit back. Not a lot few XXXX dollars. I have a lot of credit cards with synchrony bank. I was asked if I wanted to update my information. I said yes update my phone etc. I have a great credit score. Today I go to purchase gas at Sams and card declined. I contact bank tell me closed due to internal risk factors. I lost all rewards points nearly {$250.00} they were to pay me for 2020 rewards. Not fair to not still give rewards I earned last year. They are closed all my cards I have same reason. I see I internet this is something they are doing to a lot of people in the middle of a pandemic. I never was late on payments or anything. Had about {$50000.00} in credit but only used a couple XXXX each month. Never financed with them. I think a class action suit should be filed on their taking rewards dollars from cardholders that were earned before paid and claiming I forfeited my rewards. Bad company practices by synchrony bank and companies should find a better bank to deal with because this effects merchants also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I got my home mortgage refinanced with a new lender, the closing date being XX/XX/2020. It's 73 days past, but I haven't received the escrow balance refund cheque from Amerihome Mortgage Company ( old leader ). I did multiple follow-ups with their customer service but always got a canned answer that the cheque will be mailed in 2 weeks. Amerihome has uploaded the scanned copy of the cheque onto my loan account on their website ; I guess to show on record that they are compliant but never have mailed the physical cheque to me ; maybe the cover-up reason from their end would be 'the cheque was mailed, but it got misplaced '! I want to bring to the CFPB 's notice the malpractices followed by these home mortgage companies and seek remediation on the above complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Good Afternoon, I have an American Express Serve prepaid card in which I allocated my direct deposit to this past week of XXXX. I called and confirmed with the Customer Service agent at Amex Serve if I was able to receive a deposit over $ XXXX ( since I was getting my bonus ) and she did confirm that this was fine as long is it didn't exceed $ XXXX. I received two direct deposits on XX/XX/2021, the first was for {$3700.00} ( regular payroll ) and the second was for {$11000.00} which the latter was my bonus payment. Both deposits were from my employer, XXXX XXXX. I was able to access my funds within an hour of deposits however during the course after midnight my account was locked. I called American Express Serve customer service and they directed my call to Account Protection Services for Amex Serve. Account Protection informed me that my card was permanently locked/suspended. I've received no clear reason as to why this has happened. I have reached out over 10 times since XXXX to Account Protection Services ( XXXX ) but constantly get the run around that they are reviewing my account and will provide an answer within 1-2 business days. Today I was told I may have to write a letter to find out the reason?? This is unfair banking practices in that I can't access my funds to pay bills etc., and they are keeping me from accessing my money. Per their customer agreement, direct deposit limits are up to $ XXXX for the entire year. 
I've further researched the internet and found similar complaints in which there are several cases in which Amex Serves suspends an account and makes the customer write a letter to find out this reason without any clear answer as to when one could access their funds. I am writing to request help in escalating this matter to receive my funds. I have not had access to my funds since XXXX XXXX XXXX XXXX with no clear answer as to when I will be able to use my card again. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I lost my job in XX/XX/2020 due to the pandemic. 

I reached out to credit card company to inform them that I was struggling to make payments. they assured me that any late fees that were applied would be credited back into the account and no payment would be due until I was able to make payments. 

Ive tried to resolve this issue but the reps just tell me they cant due anything and I have to pay the {$150.00} in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: NY

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. This is causing me financial and emotional stress and I believe something must be done regarding this situation. I demand these accounts be deleted immediately or I will file for litigation due to the stress that XXXX  and Equifax has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Payment Corporation
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Hi, I am recently being overcharged from a finance Company by the name of Westlake Financial. 

I am done making XXXX of XXXX payments as stated From my XXXX documents and the app that I use to moniter my payments..I called numerou times and spoke to several agents and Supervisors and was not getting the run around. No one could tell me why I have to pay XXXX extra. From the last call the supervisor

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 2021-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I lost my job in XX/XX/2020 due to pandemic. I reached out to kohls to inform them and was told they would waive the late fees and no payments until I was financially stable to make payments. At the time I also had some kohls cash but everything shutdown and was unable to use but was told that once stores reopened they would honor it. 

I reached out regarding the {$65.00} fees that was not credited back to my account and rep told me there was nothing they can do that I had to pay it and also that they could not honor my {$40.00} kohls cash afterall.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One I am making principal payments and my payment is always early they are not taking my payment for some odd reason I paid my payment and extra XXXX $ to the principal on XXXX XXXX they still haven't taken my payment they? I been trying to call them no one picks up? I need an answer to this issue why they are rejecting my payment the money is in my bank account ts on file. This has been an ongoing problem since I am ahead of schedule to pay this car off! Something needs to be done with them they are trying to ruin my credit which I am building up it's becoming a A+ credit issue because my scores are close to the 700 range.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Informative Research
State: AZ

Complaint narrative:
I have been in the process of obtaining a mortgage. The report by the recent report says my address is false and is a commercial non-residential ( XPN ) It say " XXXX Red Flag Alert XXXX - Personal identifying information provided is of a type commonly associated with fraudulent activity as indicated by internal or third-party sources used by the financial institution or creditor. '' It also adds in their message to the mortgage company " this may indicate the applicant is attempting to take-over the identity of another consumer ''. It goes on to say I have 38 seriously delinquencies and public record or collection filed ; 18 number of accounts delinquent ; 10-proportion of balance to high credit on bank revolving accounts ; 14-length of time accounts have been established. '' this simply does not describe me or my credit. It almost sounds like they have pulled the wrong XXXX XXXX XXXX. The few credit cards I have are either at a XXXX  balance or the one with my bank ( that I've banked with for the last 13 yrs. ) is at 30 % of available credit. My address has been the same for 2 1/2 yrs. and is a mobile home park, that has been established for over 25 years. Everyone in the park has the same address except each of us must add our Lot # to receive any mail. I'm so upset that they have painted such a negative picture of me. I own my mobile home and pay taxes. This type of " RED FLAG '' false information will never help me secure a mortgage to move back where my family resides. The company name providing this false information is Informative Research.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet I feel like Im being take advantage of and being ignored of my disputes. Section 611 ( a ) It plainly stated 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 is incorrectly reporting a late payment to Equifax. I have bank account proof of on time payments. This needs to be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Movement Mortgage LLC
State: DC

Complaint narrative:
My loan has been under a XXXX forbearance since XX/XX/XXXX. The first forbearance period was from XX/XX/XXXX to XX/XX/XXXX. The second forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called Movement Mortgage in late XXXX to get information to resume payments at the end of the forbearance. I requested a FHA partial claim which would put the past due balance as a junior lien on the property. Movement mortgage told me that they would have to process this and that I could not make payments until it was processed and paperwork was sent to my home. 

After a month, I called them to figure out what was going on. I still hadn't heard from them. I was told that the partial claim was approved and that I could start repayment in XX/XX/XXXX. I was told that a promissory note would be sent to my house for me to sign, and that I could not make any payments until XXXX. I did not receive paperwork from Movement Mortgage until late XXXX. I got the documents signed and notarized. 

Despite this, in XXXX, Movement Mortgage reported to the credit bureaus that I was 4 payments past due. I disputed this information with all three credit bureaus. Movement Mortgage then updated my credit report to say that I was 30 days past due. This is incorrect. My account was current and not past due at the start of the forbearance period in XX/XX/XXXX, and is not past due now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diaz & Associates, Inc.
State: GA

Complaint narrative:
XXXX continue to put that I owe them on my credit report. I have told them over and over it is not me. They removed it from my credit and then sold the account to XXXX that put the item on my credit and XXXX added it back also. Now both of the items are on my credit and they are not mine. This has been since XX/XX/2013 in Alabama and I moved to Georgia XX/XX/2013. This is not my account and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I attempted to access my credit report, as directed from the FTC 's annual credit report site. I was able to obtain both my XXXX  and XXXX  reports in a short amount of time. However, when I attempted to access the free Equifax report that I am entitled to by law I was presented with a series of baffling and unanswerable questions ( unanswerable because the assumed conditions did not apply -- for example, one question said " Your credit report indicates you may have leased a vehicle beginning in XX/XX/XXXX, from which company .... '' Since I did not lease any vehicle ever, that is an impossible question to answer. The other questions were similarly inscrutable, involving student loans I never took out, bank cards I do not hold, and the like. 
After failing these tests, I was directed to mail very sensitive personal information in hard copy INCLUDING Social Security number. That is obviously not a secure method of seeking information and does not fulfill their obligation to afford me access to my own credit report. I tried again and got a similarly bizarre set of questions that I " failed. '' This is not the first time I have had a similar experience with Equifax, which leads me to believe this is an intentionally unfair practice designed to deter consumers from exercising their rights under federal law. As such, Equifax should be investigated and their practices brought into line with their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information.

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received a letter, on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating they are collecting a debt that doesnt belong to me. To the best of my knowledge, I have never had a Capital One credit card, other than being an authorized user on my wifes account ( which I havent been, in around a year ), and her account is in good standing anyway. 

Ive tried calling the number on the letter head, with no success. This is the first time I am even hearing of this situation, but the letter states they have been trying to contact me for years. 

After a little research on this firm, it shows that theyve only been in business since XX/XX/XXXX, so they couldnt have been trying to contact me for years. Also, there are numerous complaints of them being a scam. They use very aggressive tactics, belittle, cuss, and so forth. I will not subject myself to that. 

I do not want this bogus claim to impact me, financially. We are in process of trying to buy a house, and something like this could hurt that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: RI

Complaint narrative:
i have sent several letters and hired credit repair company they say i owe {$490.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$490.00} they never applied the {$300.00} security deposit.

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