vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Frontgate has reported late payments in XX/XX/2020, when the account was not late. I have supplied information regarding this and still they have not made the change

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: DISCOVER BANK
State: FL

Complaint narrative:
Consumer struggling for refund of COVID-19 cancelled travel-On XXXX XX/XX/XXXX, I purchased an Airline Ticket through XXXX on XXXX XXXX traveling on XX/XX/XXXX ( XXXX ) on my Discover Credit Card for {$980.00} for my wife and I. XXXX notified me on XX/XX/XXXX that XXXX XXXX had made a schedule change and my flight was no longer available. Once I canceled I would receive a refund. It noted that I should receive a refund within 8 weeks. I canceled and called XXXX XXXX and made another reservation ( XXXX ), since I had already made arrangements traveling on the XX/XX/XXXX with the XXXX Embassy on my travel date to include a Certificate of Entry, Visa, Hotel Quarantine, Covid-19 RT-PCR Test, and fit to fly medical certificate-I did not want any changes to become problematic by changing my travel date of XX/XX/XXXX. I went ahead and notified Discover Credit XX/XX/XXXX via a dispute ( # XXXX ) with all documentation where XXXX XXXX I would receive a refund. XXXX XXXX chimed in on XX/XX/XXXX that the Transaction has been found to be valid, no refund is due and I had one year to travel on that original ticket. Well I was surprised that Discover sided with XXXX XXXX even with all documentation of XXXX processing a refund. I already have met their arrangement via my second purchase of tickets on XXXX XXXX within the one year requirement and Discover still will not give me a documented XXXX refund. I expected to get my money back because I was not the person who cancelled the trip, " I am still owed a refund when an airline significantly changes or cancels your flight. Getting your money back for a vacation cancelled due to COVID-19 remains a real battle, especially with online travel agencies. You need to know what is going on with these Covid-19 Scams. Next stop is the Florida Attorney General and the Department of Transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
First lets start off with me disputing this account with the credit bureaus. Time after time Phoenix Financial verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Phoenix Financial. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with XXXX XXXX XXXX. After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that XXXX XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. This letter is admittance to inaccurate information being furnished to XXXX, Transunion and XXXX for multiple years. ( Letter is Attached )

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 2021-04-15 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 belongs to someone else
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX stole my phone then took XXXX dollars out of my account!! Then Another incident where XXXX XXXX stole something of important and also took money out of my account. My cashapp account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I tried to login to Experian and gave my social security # and numeric digit of my address. The username I thought I had used did not work, so I requested an email of my username and what I was emailed to my email was : XXXX I did not recognize the email address being used as my username and it is not my email. It appears that someone set up account information using my social security # and name, and so I can not get into change since I do not know the security question and PIN that was set up using my information. I tried calling Experian but was not led anywhere where I could resolve this problem using there phone system- only forwarded to other irrelevant recordings.

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 2021-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I applied at Upgrade - all said and good, however, upon approval they asked for information - however, it was TOTALLY broad ... .simply asking for " two years federal tax return '' ... which return? business? personal? which pages? they have no right to my entire return, whether business or personal ... after having waiting 90 minutes on hold to speak to someone after they asked specific questions, they finally told me which specific pages/schedules were needed. this is just so wrong - some people would offer up way too much information. i chose to immediately close my line of credit that was approved because this company clearly has some issues that are clearly worth looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
First lets start off with me disputing this account with the credit bureaus. Time after time Convergent Outsourcing verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Convergent Outsourcing. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TN

Complaint narrative:
ABC Financial is the payment servicer for the previously known XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX, TN. 

I have communicated to both of these companies on numerous occasions that I wish to revoke my EFT authorization as is my legal right to stop the collection of payments via my credit card. 

The company named in this complaint is ABC Financial. They have replied to me stating their refusal to stop the billing despite my best attempts to present their legal obligation. 

Attached to the complaint is the email chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Contributor : BANK OF AMERICA when I was in hight school I had my identity stolen. It was used to do all type of fraudulent activities. I reported it awhile ago with my local police department but I can not open bank account because of this inaccurate 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 2021-04-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
On Saturday, XX/XX/2021 around XXXX XXXX  eastern time, I applied for a home loan through AmCap mortgage out of XXXX TX. I received an automated response from someone named XXXX XXXX but it was from his regular email at AmCap. It said that they were going to search for the best programs/loans for me and get back to me soon with the information. I replied to his email stating that I was a veteran and was interested in a VA mortgage. No other response or contact was received and I was not acknowledged in any way. Im assuming that my credit wasnt strong enough for them to work with me as I know my credit score is either right below or right at the score needed to get a VA loan. What I dont understand though is why businesses dealing with financial transactions like this feel no responsibility to follow up with customers when there is less of a chance of a successful placement of a mortgage right away. Also, I am of the understanding that if I dont qualify that I am supposed to get some kind of explanation in writing. It would also be nice to have someone follow up with me. Based off of this companys reviews it appears this is a common thing for them and I felt it necessary to report this so it doesnt keep happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Was notified of possible fraudulent charge on my XXXX on XX/XX/2021. Called Barclays immediately to let them know of the fraud. Spent XXXX hours on hold, but the person filed a case and told me they would remove the charges and file with the fraud department. a month and a half later I received a letter from Barclays that 1 of the charges was being charged back to me because the investigation showed it was legitimate charge. I tried to contact Barclay card for a week and spent over 6 hours on hold trying to get through to them to let them know it was a fraudulent charge and was not legitimate. Without success I contacted the office of the president at Barclays and received a response back from them. When I talked with them they gave me a phone number of XXXX XXXX XXXX to contact them about the charge. I called XXXX and they were helpful with information about the order, even gave me an address where the product was shipped to somewhere in North Dakota. I contacted the office of the president at Barclays again and they told me there is nothing they can do. I was suppose to have a zero liability fraud protection with my XXXX!! I don't know what to do now!!! XXXX says they can't do anything and Barclays tells me to contact XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK occupied my money unreasonable almost 1 year, and not plan back to me. 
Request : Return back all my money ASAP, Already occupied almost 1 year, and contribute me lost a lot. Stop Discrimination against XXXX XXXX XXXX XXXX XXXX Was told will return in 60 days, but a long time still not return, after many time try they told will not return. 
I have a citibank account, citi closed last year, and told will return my money back after 60 days, but not return to me a long time, we we called customer support and visited the branch office many times, even branch confirmed the money belong to me, but they still refuse return to me, just because I am XXXX XXXX XXXX XXXX XXXX 
have over $ XXXX from my another bank to citibank, citi refuse back to us. 
have over $ XXXX XXXX XXXX XXXX citibank refuse back to me, I run a XXXX XXXX, and have state license and city registered since 2018, has all government required documents. In USA most 1099 TAX form worker and schedule c sole proprietorship business under personal name do business use person name, why a XXXX  women been discrimination against and can't. why occupied all my money. 
I visited branch, the teller try help us call customer a few time, each time over 40 mins, still can't resolve this problem, I call customer support by myself, they only answer account closed and nothing and refuse find a translator.

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 2021-04-15 00:00:00
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, Bank of America advised me that it would freeze my account if I did not renew my legal residence information in the United States. I provided them with all the documentation I could, but given the six-month delay between the period in which my temporary resident card expired and the date they finally granted me the definitive one, they have frozen it. Six months later, in XXXX, I renewed my residency. I was able to continue receiving their services. 

In XX/XX/XXXX, I was trying to apply for a loan while changing jobs. In the process, I received a call that was set up as if it were from the Bank of American itself. It was for an account check to make the credit deposit. 

The call was fraudulent, but almost all my details were known, therefore, I believed them. By believing them, I gave my security number to the person who I believed was from Bank of America. It turns out that it was a fraudulent action that I was a victim of. As a result of something that I did not do, Bank of America opened an investigation. Only two things were communicated to me from that investigation in two different letters. In the first letter they communicated that they were opening the investigation and that they told me that it would be inoperative in the meantime, that there was nothing I could do with the account. In the second letter, they communicated that they were closing the investigation and that my account was going to be closed. Subsequently, I did not receive any more letters or responses. When calling the numbers provided in the letter, they only told me that they could not give me more information. 

I personally went to the office closest to my work. There they told me that I owed XXXX dollars ( approximately ) on my credit card. They never told me what to do when I closed my account. However, they did report to the credit bureaus that they closed my account and used the word CLOSED in the XXXX  report. In the XXXX  report they detailed this> Maximum Delinquency of 30 days in XX/XX/XXXX for {$58.00} < It was my only bank account Consequently, I had to open another account at another bank. But the consequences were terrible for everything else because if a checking bank account, I lost the way to pay for the car, I lost many job opportunities, I lost the way to hold my credit cards. If you look at my credit history you will see that I am a XXXX XXXX. I have a large bill to pay and I want to pay and thanks to this series of events, I have fair credit. I think it is not fair for me. 
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 2021-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a credit report from Experian # XXXX. On the report Experian is reporting the following information : XXXX # XXXX is reporting 30 days and 60 days late with a XXXX balance on this account? wouldn't the balance be the payment times two? Wouldn't the balance have an amount for the past due amount? if this account was included in a chapter  XXXX bankruptcy the creditor is not allowed to report the terms of the loan, balance, payment or any account information besides the account and the status! 
Experian also has claimed that they contacted the creditor which I did as well and was told the account was sold to another creditor and I would have to contact that creditor to get information for the account and that creditor is not showing on my credit report!

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I got a letter XXXX SEE ATTACHED LETTER FROM THEM ) in the mail from Credit Collection Services stating that I owed Creditor : XXXX XXXX COMPANY around XX/XX/XXXX. I responded back with a letter XXXX SEE ATTACHED LETTER XXXX asking validation with my signature regarding account File Number XXXX XXXX XXXX, which they claimed I owe a debt amount of {$730.00} on XX/XX/XXXX ( SEE ATTACHED SHIPPING SCREENSHOT ) and they received this letter on XX/XX/XXXX ( SEE ATTACHED TRACKING ). Well I never got a letter off validation of any kind after my requested which by law they are required to respond back within 30 days. If they report anything to my credit bureaus I will be seeking legal actions. I do know the FDCPA/FCRA Laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
My mortgage payment is serviced Lakeview Loan Servicing LLC. It is subserviced by XXXX. The monthly payment is supposed to be XXXX monthly. XXXX XXXX was withdrawing XXXX biweekly and making the monthly payment. until XX/XX/XXXX. At that time they requested that the biweekly payment should be XXXX to cover additional fees. I made XXXX payments during XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. 
They have collected {$710.00} every XXXX weeks since that time. Each statement from XXXX states that a XXXX past due amount has been collected.each month. This is {$450.00} past due fees while I have never missed or been late on a biweekly payment. After making an extra payment in XXXX. 
Payments and past due fees were made on : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Bi-weekly payments were collected on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
I cancelled XXXX XXXX 's automatic bi-weekly withdrawal. I received my usual monthly statement from Lakeview stating that I owed XXXX again this month which included the {$91.00} Past due amount. I can not get them to answer the phone!!! I have tried many times on XXXX different phone numbers published on their statement!!!

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