vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
In XX/XX/2020 I disputed the XXXX XXXX  entry reflected on my credit reports with Equifax and XXXX  Credit Bureaus. Both bureaus alleged that XXXX had verified, yet not validated the debt. To that end, in XX/XX/2020, I sent XXXX a dispute letter requesting debt validation ( See attached copies ). XXXX is in receipt of the letter due to me not ever receiving it back as returned or undeliverable ; however, to date, they have opted to not respond. 

This is a blatant violation of my consumer rights given XXXX never sent me a dunning letter prior to inserting this derogatory entry on my credit reports. I have never done business with this company. Additionally, the reporting among Equifax and XXXX  differs. The continuous negative reporting of this entry on my credit reports does not reflect my creditworthiness and has led to me being denied credit. 

Since XXXX did not provide : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt How then are they reporting this information as if it is accurate? 

I am requesting that this entry be deleted/removed immediately from my credit reports due to their failure to follow FCRA, FDCPA, and FDBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: IL

Complaint narrative:
XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and XXXX  and Equifax. This is hurting my credit report and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have always made more than minimum payment due and always made all payments on time. On or around XX/XX/XXXX this year I accidentally submitted two payments the second of which led to insufficient funds being available and a returned check was issued. The payment that did go through was for {$500.00} the second that did not was for {$400.00}. A week later I made a payment for {$350.00}. I make 3-4 payments per billing cycle. I utilize no more than about 25 % of my credit limit.

I have abided by all requirements in the agreement and although I understand Citi can close the account if it so wishes, the effect on my credit score is damaging and I dont think the reasons Citi claimed warranted closing the account on top of a fee for the returned check. 

The supervisor I spoke with simply said " Citi just felt is was time to close the account ''. I am not sure how making all payments on time backs up his opinion.

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 2020-08-21 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:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. Some accounts have been removed but there are a few left on there i have attached an ftc report and the company already have a copy of my police 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 explanation
Consumer complaint received 2020-08-21 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been a long time Capitol One customer ... a Veteran of the XXXX XXXX XXXX .... with good credit ... ZERO late payments until now ... .I lost my XXXX XXXX XXXX job due to the Covid -19 pandemic and other medical issues at the end of XXXX due to XXXX  and quarantined for well over 2 months ... .I just started getting my unemployment a week ago due to backlogged claims in Colorado. Capitol One has been working with me to temporarily postpone payments until I get financially stabled due to the pandemic. I called and was told that my payment was taken care of for XXXX and XXXX ... ..I received notifications when I was well enough ( still sick..mind you ) to check my email ... ..and noticed one of my credit cards was past due. I called immediately to address the issue. The Capitol One representative apologized and took care of the payment suspension and was told that my payment would not be reported late to the credit bureau ... .One week into the month of XXXX I got notification that I had a 30 day late payment on my credit report ... .Dropped my credit score 50 POINTS ... .I have since tried to correct this payment issue and received another notification that it was 60 DAYS..Crdit dropped 100 points! ... I have since paid the past due amount.. ( now getting unemployment ) ... This has been a disaster. Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO

Complaint narrative:
Hello there, I signed up for a promotion that was mailed to me from First Citizens Bank. I am a resident of the state where the bank resides as well. 
The promotion was, " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account Within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. 

I have met all the qualifications. I opened my account in XXXX and met all the qualifications by XX/XX/XXXX and I haven't received the bonus. I called the bank three weeks ago to inform them of this and they haven't returned my phone call. 

I can provide my banking information to the company separately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 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: TX

Complaint narrative:
Account was closed XX/XX/XXXX with a balance of approximately {$19.00}. This balance was never received. More than 4 calls starting in XX/XX/XXXX were placed with the company in an attempt to have the final balance sent to me. It is now XX/XX/XXXX and I still have not received the account balance. I have spent over 4 hours on the phone with customer service representatives, but still have not received what is owed.

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 2020-08-21 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
View your completed dispute online MyEquifax We've received your dispute and it's in process Your dispute is complete and ready to view online Dear XXXX XXXX, As a reminder, we've completed your Equifax credit file dispute, and you can view your results online. Your dispute results will remain online for 24 days. You may not be able to access your results online after XX/XX/2020. 
Your Equifax credit report dispute confirmation number is XXXX I did not get the dispute report. I tried contacting the company but there was no customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute Credit Collection Service., Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX 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 2020-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
At the end of XXXX my mother became very ill. I took on the task of being her full time caregiver for ten months until her passing in XXXX of XXXX. During that time I had asked my son to make sure the mortgage was paid, however he did not follow through and my mortgage company contacted me telling me I had fallen behind. They then told me to send approximately {$27000.00} or I would be foreclosed on. I was still mourning the loss of my mother but cleared my savings and sent them the money. After sending the money, my mortgage company called again and stated that I would need to send an additional {$8000.00}. I had no saving left and was unable to comply to their request. They also advised me that my payment would be increasing. I then hired XXXX XXXX to get my mortgage back on track. On XX/XX/XXXX a third party authorization was sent to my lender allowing XXXX XXXX to speak on my behalf. We applied for a modification in XXXX and Ameris would not convey missing documents to XXXX XXXX and communication was almost impossible. On XX/XX/XXXX XXXX XXXX from XXXX XXXX began inquiring about the large charges I had already paid and who were they paid for and how were they dispersed. Ameris advised to send a written request. The attached request was sent to Ameris on XX/XX/XXXX. We received acknowledgment of receipt of the inquiry dated XXXX XXXX. On XX/XX/XXXX XXXX agent ID XXXX and was told the research would take 30 days. On XX/XX/XXXX XXXX advised an email was being sent to an agent to expedite the research request. A subsequent call on XX/XX/XXXX we were told no one was working on it and they would not respond. A payment history was ordered through customer service and is attached. On XX/XX/XXXX Ameris rescinded the authorization for XXXX XXXX and will not speak to them. I still do not know where my money was applied and what I was charged for. There are multiple charges that are not explained and Ameris is refusing to explain. There is excessive attorney fees and I do not know what they are for and Ameris will not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020, I opened a 3-month CD account with TD Bank. The contract was due to mature on XX/XX/2020. In early XXXX, I proactively called the TD Bank hotline after receiving a letter of notice indicating that the CD will be automatically rolled over to another 3 month contract if I do not take action on the maturing contract. The letter specifically gave me two options - either to call the TD helpline or visit a local branch. Given the pandemic situation and reduced hours of branches I naturally reached out to the helpline on two occasions - XX/XX/XXXX and XX/XX/XXXX ( when I received the letter ). On both occasions the staff said that they will note my preference on my account and that the CD would not roll over. To my horror, I looked into my account today to see what was going on as the funds did not transfer to my bank account as expected, and saw that TD had in fact rolled this over into a new account AGAINST MY REQUEST. I called the helpline again and they refused to entertain my request on the basis that all CD-related requests are to be handled by a local branch employee. I then contacted a local branch employee who dismissed me as having been ignorant of the fact that all CD requests should have gone through a local branch to begin with, and that I will have no other choice but to pay the penalty if I want my funds withdrawn. I want to make this clear that at no point during the two times that I called the helpline in XXXX and early XXXX was this explained to me, and the letter clearly listed the helpline as another option to have my request processed. This involves funds that I have an immediate need for and the fact that I went proactively called ahead of time and instructed for the accounts not to roll over did nothing to avoid the consequences of their sloppy and unprofessional mishandling of a simple request. I ask that this be investigated and my funds be returned to me as soon as possible without the attendant fees and penalties. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been trying to qualify my mother for XXXX. She is running out of money and will need to transfer to a XXXX XXXX XXXX. She has XXXX  XXXX XXXX XXXX with difficulty XXXX  and is XXXX  bound living in an XXXX XXXX XXXX. 
Capitol One Bank has been incredibly uncooperative in providing bank statements in order to satisfy the XXXX  5-year look back requirement. This is a requirement under the law yet they are refusing to provide it. My mother and I have spent no less than 5-6 hours on the phone with consumer representatives. They did send 8 months of bank statements but missed the other 29 months requested. Even though I have power of attorney, they would not send it directly to me so I spent 2 hours on the road to fetch what was an incomplete request. I received that correspondence XX/XX/XXXX so this has been going on for awhile. I hoping to move her into the new highly rated facility by XXXX while she can still private pay. These delays and lack of cooperation are putting her at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX., Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I came upon difficult financial hardship after going through a divorce and then losing my job in XXXX due to Covid 19. I feel increasingly behind trying to pay my bills and food. I contacted Amerihome during this time to see if there were any solutions or options that would help me keep my home. I was looking for work but due to the pandemic it was very difficult. Amerihome did not offer any options of forbearance or loan modifications. I was told I had to pay the arrears which left me hopeless. Amerihome was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I already paid the {$310.00} debt to Choice Recovery and on my last payment by check I sent him a letter saying it was the last. And I received a bill of collection, when they accepted the last payment and debt paid. 

I include documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation