vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting erroneously on my credit file. I had recently checked my credit and noticed these debts. I never received any notices, calls, or letters about this debt. I called and paid this debt. When i called and spoke with them I requested the collection accounts be removed from my credit file since i was not made aware of these collections and they denied my request. I have now disputed it multiple times with the creditor directly and with the credit bureaus and the accounts remains on my credit file. I have called back and requested they remove this debt and have been denied every time. This is now getting in the way of me obtaining financing and i don't know how else to get this item deleted off of my credit file. I never received any notice of the debt or else I would have paid it before it even went to my credit file and ruined my credit. I have now paid and it is still ruining my credit. How can they even do this? I know that they have the power to add and remove items from credit and i do not owe them anything and it is not fair that they can continue to ruin my credit by reporting this collection THAT I DIDNT EVEN KNOW EXSISTED. I need these collections removed ASAP as they are affecting me when trying to obtain financing. I am ready to contact a lawyer if needed to fight this off of my credit. They have made various violations and should remove these debts from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a promotional email from Capital One, telling me that I might be eligible for a new credit card. My credit score has recently improved and I'm interested in consolidating debt, so I decided to apply for pre-approval. I was pre-approved and it gave me three options to choose from as far as a credit card. I chose the Platinum Card, which told me that I would get at 0 % down, 9 month interest-fee period, and a variable APR of 26.99 %. However, the available credit line on the card was not listed, which is a much different experience than I've had with other lenders, that usually reveal the total credit line available, interest rate and other terms once providing me with options I'm approved for. 

I clicked on the Platinum card to learn more, believing the next window would crunch numbers and reveal to me my available credit line before I committed to the card. However, I was actually registered for the card and the total credit line was never revealed to me until AFTER they signed me up for the card. Since my objective is to consolidate debt, I NEVER would have agreed to a card with a {$300.00} line of credit. Approval was sent to me at XXXX XXXX CT on XX/XX/XXXX. 

I immediately called Capital One ( XXXX XXXX CT on XX/XX/XXXX ) to tell them to reverse the application -- that I did not want the card under those terms. However, I was told by a service rep ( after waiting on hold for nearly 30 min ) that this was not possible and my only option was to cancel the card. I explained that I never would have registered for a card that plainly told me that there was a {$300.00} credit limit, however, was told by the rep that in the terms and conditions " fine print, '' it explains all this. I told her that it is deception advertising to include only an APR in bold terms at the top, without also telling me how much I actually have in a credit line. 

Ultimately, my only option was to cancel the card, which will now negatively impact my credit score, which I have fought so hard to improve over the past few years. Considering I immediately took action and the account was both opened and closed within 45 minutes, this is ridiculous, particularly given the deception checkout flow and marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi has refused to remove a 'credit watch ' from my credit reports, refuses to close my account, and refuses to resolve issues with declined charges.

I have contacted Citi by phone, email, and chat dozens of times since XX/XX/2020 when they cancelled my card and re-issued a new one. Since then they have routinely declined random charges, claimed that there were mysterious overseas charges that never showed up on my statement, and cancelled and re-issued my card two more times. 

Citi reported my account as 'questionable ' to XXXX and others, causing my credit rating to dip 10 points. I don't even carry a balance on my card. 

I have spoken at length with both Citi and Costco ( card sponsor ) with no results. The Citi executive response team has no authority over their fraud department. The Fraud department routinely fabricates information on calls ( fake case # 's, operator # 's, etc. ) and either reports false or incomplete case information for why the card is disabled or frozen. 

This has resulted in declined charges for family events, gifts, meals, and routine groceries. There is no pattern or reason for the declines, and no explanations from Citi or Costco.

I have requested that the card be cancelled 8 times and Citi has refused, saying that I have to call them and provide a 'good reason ' before they will close my 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 non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
HI, My name is XXXX XXXX and i had a checking Account with BOFA and they closed the account and the next day my paycheck was deposited and Stimulus check as well, its been more than a month and they didnt let me withdraw the amount from the bank and told me that they will send a check to me and i didnt receive any check till now. and i have lot of debts due to Covid as i lost my job. i just called the BOFA agent and she says if i dont receive the check in 10 business days then i have to wait for 120 days for the check to receive. 
its really difficult for me to survive and i depend on my paycheck with a XXXX XXXX old baby. 
so please do the needful and in getting my check as soon as possible. 
am not bothered y they closed my account only bothered/concern about the delay in sending my check.

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 2021-04-08 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: TX

Complaint narrative:
I have tried, in vain, it appears to get XXXX XXXX Executive rep XXXX to fix the inaccurate reporting from my Experian credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the XXXX correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have XXXX correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX Customer service person was rude and asking for my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
During the mortgage application process, XXXX XXXX with US Bank shared my husband and my credit scores as well as debt-to-income ratios with the seller as well as the sellers realtor. I was never provided with the appraisal documents for the house we are in the process of purchasing. Due to having an FHA Loan ( case number ), the process has been halted and XXXX refused to give the new lending company the case number or the appraisal. 
My husband and I have also been denied access to our application process account on their website : https : //mortgageapply.usbank.com/.

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 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
during the pandemic last year. my wife and i went to a rough time .where we was not able to maintain our bill and automatic payment was coming out of out of account. i ask for the bank to help us with some fees back they stated is not a bank error, so their is nothing they can do for us. i have over 1000 dollars worth of fees from last year.

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 2021-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them. 

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

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 2021-04-08 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: NY

Complaint narrative:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them. 

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NY

Complaint narrative:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them.

I spoke to a rep named XXXX  who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent capital collecting for XXXX XXXX  XXXX XXXX requested validation of debt and they sent me just a statement. I request validation that i signed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Porania, LLC
State: GA

Complaint narrative:
Hey I had fraudulent account such as this bankruptcy reporting. I sent in reports for this matter and its been 30 days and no results. By law in 30 days you have to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: FL

Complaint narrative:
I XXXX XXXX, sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2021. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GreenSky, LLC
State: NY

Complaint narrative:
I took a home improvement loan from Greensky in XXXX of XXXX. The Term of the loan was 90 months @ 234 per month on the 9 of every month, with the loan maturing on XX/XX/XXXX with a final payment of 234.50. I made multiple payments because this is a payment coupon book loan I expected the payments to go the monthly payments because there was no penalty for paying the monthly installments early. Greensky applied the payments to the principal instead of applying them to the monthly payments. I tried to get them to apply the monies to the monthly payments and they refused. I told them I thought in order for monies to be applied to the principal instead of monthly payments I had to specify that I wanted it applied to the principal. I didn't pay them the extra monies they wanted because I told them I already made the payments. They made my account delinquent listed it as a charged-off account on my credit reports, even though I continued to make payments but refused to give them additional payments. The current balance on the account is XXXX meaning that the loan will be paid in full before its maturity of XX/XX/XXXX because I continue to pay the coupon book amount of 234.00 monthly. This is totally unfair what they did they damage my credit and my credit score has declined. I hired a credit repair company to try to get this item removed from my credit report and they were unsuccessful. I would like this negative item removed from my credit report because based on the balance this bill will be paid in full 5 months before its maturity date of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have been working with my loan servicer Mr. Cooper regarding my escrow account. After a tax disbursement I called and spoke with a representative in early XX/XX/2021 and requested and escrow analysis. I received estimated information such as the shortage amount and the new payment amount. I was advised to make the shortage payment before the analysis would be applied to avoid delays in adjusting the payment after the shortage was paid. I prepaid the shortage amount, however when I called back in and spoke with XXXX from Arizona, they refused to provide the estimated escrow analysis information. XXXX stated that they submitted a request for an analysis to be performed, but would not run the estimated analysis and provide me the information. I was seeking confirmation that the shortage amount I prepaid was correct, and to know the upcoming payment amount. I advised I was aware the information would be estimations only, yet was still denied access to this information. I used Mr. Cooper 's online chat to speak with XXXX from Texas. XXXX was able to perform the escrow analysis estimation, and confirmed that the shortage had been paid in full, yet refused to provide the new payment estimation. When I advised that I was aware the amount would be an estimate, the chat was disconnected. 

An estimated escrow analysis allows consumers to make informed decisions and to plan financially. Refusal to provide this information ( information that had been previously provided by another representative ) can be harmful to the consumer. I have now made an additional escrow payment with no confirmation that the amount was correct. 

Of the 3 representatives I communicated with, 2 refused to provide this information, and 1 told me the information was not available to them. This is not truthful and intentionally deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal close my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as i assume it has to be. I have not been able to get help from them for months but I just remembered i could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I noticed an XXXX XXXXcredence acct on my credit report i requested to validate because I never had XXXX XXXX  services. They sent me improper validation. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an 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 Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX  and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation