vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Placed an order with this company called XXXX for a XXXX XXXX bundle. I never received any details in reference to the order so I submitted a dispute with my bank. As soon as the dispute was entered, I receive an email from a XXXX account with a tracking number. After looking over my bank statement the transaction was coming up from a XXXX account instead of the company that I originally placed the order with. When the item arrived it shows up significantly different from its description. A childs plastic whistle inside of an envelope instead of a XXXX XXXX. I immediately sent the item back to the address that was listed on the envelope. Im now going jumping through hoops to proof my case. Im being charged {$110.00} for a plastic whistle. When I check the site that I used to place the order the website has been removed since the order was placed. I have screenshots of what I actually ordered and what was sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We are attempting to refinance our mortgage. Our new mortgage lender has tried 3x sending an authorized letter requesting the mortgage payoff amount one a week since XXXX. To date Shellpoint mortgage and the underwriter of our mortgage has yet to respond to the payoff letter locking us into higher monthly payments for the last 2 months totaling over {$1500.00}. We are being held hostage to  this company and it is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over the past several months, I have submitted several disputes with Experian with satisfaction letters attached for the debts from the debtors. Each time, it seems the satisfaction letters are not properly considered and the debt remains outstanding with an erroneous balance until the debtor sends their updates to Experian. This unfairly leaves my credit reporting for that debt incorrect for two additional months after the debt has been paid/settled with the debtor. I submit that this practice is both unfair and damaging for those involved in the already arduous task of repairing their credit. I, also still have another account which shows a XXXX  balance, but shows the debt with the incorrect status. I've opened several disputes regarding this to no avail. The affected accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Previously disputed charges are mysteriously reappearing on my monthly statement. XXXX XXXX {$500.00} and now XXXX for {$37.00}. Both of these charges were to be discharged yet Citi still is trying to collect what I do not owe. The XXXX from XXXX  was a hold on a car that was over paid. The XXXX  was for a meal not received. Both have been disputed but citi will not honor the process.

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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
PayPal Credit, which I believe is part of Synchrony Bank, signed me up for a credit card without my knowledge or consent. Last month they sent me a bill for a monthly fee, which was when I first learned this account existed. I asked them to close the account as I did not approve it being opened. 

Today I got another bill from them and they have not closed the account nor responded to my request. I contacted them again telling them to do so and indicating that I would be putting forward a complaint against them. 

Thank you for your assistance.

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 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Suntrust bank froze my account without any explanation and they told my account would only be frozen for 7 days for review it has now been 10 days and they are telling me that the freeze status has been extended but could not provide me a timeframe as to when the matter will be resolved. The supervisor is stating they are closing my account but cant tell me when. I opened this account a month ago, I received a deposit because per there promotion if you received direct deposit of XXXX $ or more for two consecutive months you get XXXX . Which is why I allowed my check to be deposited into the account and they have done nothing but screwed me over. After reading several complaints I doubt that this matter will even be resolved on a timely manner. Which is why I am submitting this complaint, there needs to be a class action lawsuit against suntrust! This is very stressful situation and this situation definitely triggered my XXXX and 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 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2020, I had a XXXX  balance with Macy 's credit card. Macy 's did not produce a XXXX statement. On XX/XX/2020, I made an online purchase for {$40.00}. The statement dated XX/XX/2020 showed a balance of {$40.00} with a due date of XX/XX/2020. On XX/XX/2020, Macy 's processed a payment of {$40.00}. Also on XX/XX/2020, Macy 's charged me interest and a late fee when my bill isn't even due until XX/XX/2020. On XX/XX/2020, I contacted Macy 's through the message portal on their credit card site. While I received a robotic confirmation of my message immediately, the company made no further attempts to resolve this simple issue. After waiting one week, I made a second attempt to resolve this issue directly with Macy 's and decided to file a formal complaint against Citibank for the mismanagement of this account.

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 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I have a line of credit with fortiva retail credit. Never had a credit card line delay payments and dont allow you to pay when ever you want before due date. They give dates that they want you to follow if you pay early but its not convenient for you. It really feels like jumping through hoops just to be proactive and pay debt down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I am in process of refinancing my mortgage ( through XXXX ), and I am having some difficulty with my existing mortgage provider ( RoundPoint Mortgage ). As part of the refinance process XXXX requires a payoff letter. They reached out to RoundPoint, who refused to provide the document, so I was asked to reach out directly to make the request. On Wednesday, XX/XX/2020 I requested the document through RoundPoint 's IVR. The automated prompt indicated that the document would be sent within 2 business days and that depending on the laws in my state there may be a fee. When I had not received the document by Friday, XX/XX/2020, I called back and made the same request directly through an account representative who assured me the document would be emailed within 2 hours. As of the following day I still have not received the document. From my perspective there appears to be a pattern of abuse : 1. Uncooperative in providing the requested document to the new mortgage company 2.  Attempted to discourage requesting the document by indicating there may be a fee, but never confirming if the fee would be applicable in my case or the magnitude of the fee ( inadequate disclosures ) 3. Did not provide a way to request or obtain the document through self-service on there online account servicing website 4. Did not fulfill the request as promised through two separate attempts

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 2020-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Activehours
State: DC

Complaint narrative:
Im trying to reconnect my Earnin account to XXXX and it says its having a problem be use of XXXX. I have been using it for a while but now it wont connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
{$150000.00} was taken from my checking account. This was done in increments of {$50000.00} each. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Co Entry. These were unauthorized. I had no contact or knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX provided service to California home I sold in XXXX. My service was paid until I sold the home and moved. Obviously, any service provided after that date was for the new owner. 

Attempts to correct this issue with XXXX were futile and, as a result, I stopped using XXXX for any service. 

XXXX  has engaged one collection agency after another over the 19 year period the last of which was IC System opened 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 2020-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
For almost 2 years after my husbands death I tried to talk to the company Specialized Loan Servicing. They would only say I wasnt on the loan, and then before foreclosure they said to fill out loan application, which I did and sent it back, they then tell me it was received to late. I filled it out the day I received it and mailed it the next. 

I have been reading about this loan and what was done to my husband at a time he was very ill and loosing his business. The loan was transferred, modified and now has a deferred payment ... these are illegal if the person asking for the help is in the financial and health problems he was. This is a XXXX XXXX ... XXXX XXXX mess ... by XXXX XXXX guide lines this was all fraudulent ... they never verified anything, plus it was all sent to a PO Box which was illegal by XXXX XXXX guidelines and that I had no access to. 

I was unaware of everything from his business to the loan on this property ... 

He had nothing and they New it, I owned half but they didnt care.. 

Please help me not th loose my home and see how all of this was 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 explanation
Consumer complaint received 2020-07-18 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: MD

Complaint narrative:
Hello and how are you all doing? I hope very well indeed. First, I have been attempting to get a copy of my credit report for the last two years XXXX XXXX. Second, I was asked to send in my documentations so I did such as XXXX XXXX and an ID. Third, I sent it to them on XX/XX/XXXX. Fourth, afterward I receive a second letter stating the same thing as the letter I receive XX/XX/XXXX and XX/XX/XXXX. Fifth, therefore ; I called and the staff was unable to find my report on XX/XX/XXXX at XXXX. Sixth, I filed a complaint with XXXX XXXX and they directed me to you all. Seventh, I am filing a complaint against them because this is unacceptable. Finally, I just wanted my credit report that I have been getting every year. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
So here is the issue. I have two bank accounts one that is partnered through work, alot of benefits and i have an old bank of america account that my husband and i have jointly. I needed to pay rent and do to holiday weekend the bank was closed. So I called BOA the support line and they recommended the wire transfer in one day. Pay the fee they walked me through it. This was on XX/XX/XXXX. 

Amount XXXX I figured holiday weekend I won't see the funds till perhaps Monday or Tuesday. Come Tuesday still didn't see the funds so called BOA. They state the transfer was completed. Called my other bank they state they seen it come in but with error stating BOA had pulled back the money and rejected the transfer. 

Called BOA back, was told that the person at the other bank rejected the funds. When i stated i was the other person and I did not reject the funds they hung up on me. 

Called again, was told I would have to pay for a tracer. Fine payed for it. No update. Called on the XXXX, Was told no tracer was put on it. Yet the money was taken from my account. They put a tracer on it. 

Called the XXXX, still no update. 

Called the XXXX, they said the funds where put in my account. I told them check again and they looked at my account saw the funds where not in my account. Was told it should be in within 2-3 days. 

Called back on the XXXX, spoke to a manager. Was told money could take 3-5 days. That by friday should be in. 

Well today is friday the XXXX. Money wasn't in my account. Called. They said it was in my account. Told them to look at my account and see if they saw it. Oh it isn't there ... one second let me ask a colleague. Was told by collegue it is processing. Asked how long could that take a day- week, month. Was told there is no timeline when you will get your money, whoever told you a timeline was wrong. Hung up on me. 

Called back to escalate. Employee refused to transfer me to a manager telling me there is nothing they can do. Was told they can escalate the case. I asked I thought they did that last week and Monday. No response. Told me it was done and asked if anything else she can do. Then wanted me to do a survey. Told her no as I don't think in my current state I would do her survey any good. I am upset it been 2 full business weeks and my money is gone.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting that I have an open account with them when in fact I dont. They are also reporting late payments to the credit burea every single month on a car that I have not seen since 2014. They recently just reported that my payments is 120 days late and I have never received a bill from them. This item is six years old and should be removed from my credit.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The response XXXX, Experian, XXXX is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXXXXXX XXXX purchased from the original creditor XXXX on XXXX XXXX my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

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 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
They never called or reach out to me, I also had disputed because the chargers is no accurate. They didnt even ask how much I wanted to pay to Settled they went right on my credit report to add the charges. During this pandemic I never received ved anything I turn in the phones with XXXX 2 XXXX XXXX thru the mail. I only owe them {$870.00}. Only had 1.5 month of the contract left they was charging me {$450.00} dollars a month couldnt afford that payment any more was trying to buy out the phones they kept adding more charges to keep me with them making it harder to own the phones that we only had 2 months left to pay on them all these extras they was trying to add phone reps tell u its this month than u call back to pay it they added more money

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a bankruptcy in 2012 ... It was to be removed in 7 years per the judge. Well its still on my report///9 years later???

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