vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: AZ

Complaint narrative:
Equifax is a ridiculous company. They wouldn't let me have my own credit report. I tried everything- calling, online, sent them copies of SS and DL. They are simply hijackers with our own information. How this is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 closed 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 mistake 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 Both PayPal Accounts is : 1 ) XXXX 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
In early XXXX Rocket Mortgage called me suggesting I refinance. They promised on several occasions the closing cost would be below {$2300.00} and promised it be between $ 1400-1700. They promised the mortgage would be between {$1200.00} and {$1300.00} a month. They promised the interest rate would be 2.25 % XXXX XXXX XXXX XXXX  mortgage banker promised all these things several occasions throughout XXXX and XXXX. Then THE DAY BEFORE CLOSE they raised the closing costs from approximately {$1700.00} to {$2900.00}. A near {$1100.00} difference on the day of. So I refused and told them to get it back to the agreed upon amount. 

The did. And we agreed to close on XX/XX/XXXX. On XX/XX/XXXX I tested positive for covid. I asked SEVERAL TIMES on the phone if we can postpone 1 month. THEY PROMISED each and every time I called while sick my loan wouldnt close and IF IT DID I would easily be able to reapply and GET THE SAME RATES!!!! They lied on several phone calls between several people and specifically by text by XXXX XXXX the entirety of XXXX and XXXX. 

I got better and called XX/XX/26 to reschedule the close. They called me back XXXX to tell me they closed the loan application. Told me it was 100 % federal government regulations fault. And then proceeded to tell me in the last 5 days the interest rate sky rocketed and if I wanted to get the mortgage rate I wanted, I would have to pay well over {$13000.00} They lied an incredulous amount of times. They stalled. They changed the prices. I want what was promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that XXXX XXXX XXXX XXXX provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that XXXX XXXX XXXX XXXX provide proof that they sent these emails in which I never received.

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 2021-03-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that XXXX XXXX XXXX XXXX provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that XXXX XXXX XXXX XXXX provide proof that they sent these emails in which I never received.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
None of your listed complaint boxes pertains to my issue. You should have an other box! My issue is the following : I am being denied access online to my mortgage account. I have complained about this on many occasionsbut no matter what they tell me to do to fix the problem, it does not work. Their reasons given on each time I have complained are too many to mentioned. It is as if I am being blocked from online access! I need a 2nd copy of my 1098 and even asked their C.S. to email me a copy! They said OK but I never received it. Why I can not access the Web site beats the heck out of me! I have never had this issue with any mortgage companyin the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
They called at least five family members on Friday XX/XX/XXXX then again Monday XX/XX/XXXX. They have my address, read my address to everyone they called. They keep calling the same people asking for my place of employment and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed 2 CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-01 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: CA

Complaint narrative:
I have been having problem with Experian for some reason they will not update my report. Can you tell me why? I think is ridiculous that I have to file another complaint to get them to update my report. How hard it is to update like they are suppose to. I want this fix now.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This compliant file againt Td BANK NA for drop credit line to get hight interest payment, the acount never been late or any missed payment ever! TD Bank play a game with there client money by drop the credit line and that wrong i have been a client of td bank for over 30 year went they was XXXX out of south carolina credit line XXXX XXXX on a XXXX credit scores and these was signatrue loan so now iam at 96 % of my credit limit so they can charge high interest. charged of XXXX one year ago. and i pay ever month over the payment check the reacod. i pay this interest first then i pay the month payment.. that is so wrong. that is unfiar. that wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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
State: PA

Complaint narrative:
PayPal closed 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 mistake 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: NJ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed XXXX CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls Capital One is reporting a late on XX/XX/21. Due to Covid and the unforseen events surround this entire pandemic my life has been super hectic. I have been really financially and mentally impacted by this pandemic. This has just been such a let down as a long time customer during such a hard time you would not show any leniency. This current situation with Kohls has been so detrimental to my former great credit I had going and my plans to buy a home. I would like to ask, to the honest errors that Kohl 's would be willing to forgive and remove this late payment reporting as a courtesy and goodwill adjustment with a promise to pay all payments on time in the future. I am a loyal and long-time Kohl 's Customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have an auto loan with Bank of America. I made my regular payment on XX/XX/2021. I made an extra payment of {$1000.00} on XX/XX/2021. I expected it to be applied to the principal. Instead, my next payment due date was moved out until XX/XX/2021. I called their helpline and was told there should be an option to apply to principal but no such option could be found while on the call. They said my extra payment would be applied to principal but it will take up to 3 business days to do so. It seems unreasonable to have to call them every time I make an extra payment just to have them apply it to the principal.

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 2021-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Background : I purchased airline tickets on XXXX XXXX ( XXXX airline ) in XX/XX/XXXX. In XX/XX/XXXX, the flight was cancelled by the airline due to COVID-19. I contacted the airline promptly to get my refund, they said OK but it could be up to 90 days. I checked in with them periodically over the coming months. 

On XX/XX/XXXX ( 90 days + a grace period ), I submitted a dispute to Bank of America ( the credit card company for the transaction ). The dispute number is XXXX. They sent me a document request, which I submitted on XX/XX/XXXX. 

I have called them and the airline many more times since XXXX to get updates on the status. The airline keeps saying " just a few more weeks '' and Bank of America keeps saying " it's under review still ''. 

Today, when I checked my bank account, the claim was no longer listed so I called Bank of America. When I finally spoke with Bank of America 's Merchant Response Department, they noted the claim was still under review and could still be a few months away. The woman I spoke with noted that I had provided considerable supporting documentation for the dispute ( e.g. emails, screenshots, phone logs ) but would not provide any additional information to me on status, timing, or their review process when I asked.

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 2021-03-01 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: Garcadia Financial LLC
State: VA

Complaint narrative:
Account as from XXXX. I had a lease for a motorcycle and at the end of the lease, the company, XXXX XXXX called and said its the end of your lease and you either pay the lump sum or turn the bike in. I opted to turn the bike in and they said the contract was closed and finished. 3 years later, XXXX XXXX who was bought by another entity now called Foursight Capital placed a collection on my report in XX/XX/XXXX as a collection. I contacted them and they told me one thing and I called back and spoke with another person and she came up with yes your contract was done and closed but because the bike wasn't brought to a certain location the considered my contract not fulfilled. No one ever notified or informed me of this for 3 years and all of a sudden they stick a collection on my credit 3 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Mailed A Notarized Copy Of My Inaccurate Information To Equifax In XXXX And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back And No Changes. 

By Law, They Are Supposed To Reply Within 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank charges excessive fees. I was incorrectly charged interest on purchases which were made during last statement period, as per agreement with the credit card company it shouldn't charge interest until payment for the purchase is overdue. I missed a payment for previous statement XXXX by a day, so I should only pay interest on XXXX which would be 26.99 % of the XXXX totaling about XXXX. During the last statement period I made one purchase on XX/XX/25 for XXXX. The last statement charged me a late fee of XXXX which is correct and XXXX in interest charges. The interest charge explanation showed that my the balance which was subject to interest rate was XXXX. I called Synchrony and they waived the interest but lied to me that I qualified for a interest waver rather than admit that there is a problem in their statement calculation.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
On XX/XX/2021 I made a purchase of lottery tickets in the amount of {$90.00} and in the same day of another {$10.00}. This was done at a convenient store near my house. I checked the history of my account as I usually do through the on-line banking and noticed 2 separate fees of {$15.00} each coded as " cash advance '' fees. I immediately contacted customer service on XX/XX/2021 and the representative explained the reason why I was charged was due to the convenient store running the card as a " cash advance ''. I have never used my card as a " cash advance '', and specifically on XX/XX/2021 I used it to purchase those lottery tickets. I asked for the fees to be refunded but I was further instructed to call the store and ask of their policy on lottery tickets purchased on a credit card. I went to the store in person and spoke to the owner, who was completely unaware that a cash advance fee would be charged to my credit card. There were no signs in the store posted regarding a fee that may be charged or to check with the credit card company for further guidance. My wife who is an authorized signer on my account called FNBO customer service and requested to speak to a manager. She spoke to XXXX ID # XXXX who said that the fees are non-negotiable and unfortunately she can not refund cash advance fees. Our FICO score is over XXXX, we pay our balances in full every month and we asked to have the fees refunded as a courtesy. XXXX XXXX explained that there isn't anything she could do and we would have to pay those fees. She also explained that we should read the terms and conditions of the account for cash advances.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a loan under XXXX in XXXX in MY NAME ONLY, XXXX XXXX XXXX XXXX My mom was on title, XXXX XXXX XXXX XXXX She lives in XXXX and I live in XXXX Under these 2 class action lawsuits The Bank of America Class Action Lawsuits are Waldrup v. Countrywide Financial Corp., et al., Case No. 2:13-cv-08833, and Williams, et al. v. Countrywide Financial Corp., et al., Case No. 2:16-cv-04166, both in the U.S. District Court for the Central District of California money was sent. However, it was sent to my mother in Ohio who was never on the loan and Quit Claim Deeded herself on the property in XXXX. Why are you sending her the checks? This needs to stop immediately or I will seek triple the reimbursement. Property address for loan is XXXX XXXXXXXX XXXX  XXXX, CA XXXX. I still own the property in my Trust, The company states they reponded but they didnt repond to me. They sent a letter to my Mother ( XXXX XXXX XXXX ) in XXXX who is not on Title nor is she on the loan. See how stupid they are?

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I keep getting phishing emails claiming to be paypal. They say my account is on hold until I verify information. I went to my account and it wasn't on hold. I have sent several of the phishing emails to spoof @ paypal. Today I had a chat with paypal twice and was told they would transfer me to an expert. When transferred it was for a 7 day trail for {$5.00}. I wrote paypal and they told me to go to their resolution center and file a complaint. The complaint wanted to know the who the seller was, problem, when I purchased the product, the transaction ID, reason for dispute, and to give additional information. It said after 20 days they would investigate the with the seller and I could file an escalating problem. If it wasn't resolved they would take note of it. This was totally irrelevant information. I wasn't going to click where it said verify because that would open my account up to all my information. I don't know how to get these phishings to stop.

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