vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: NY

Complaint narrative:
To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Checking Account ending : XXXX Latest Promotional dispute : XXXX XXXX : XXXX ( opened XX/XX/XXXX ) This complaint is regarding promotional cash bonus offered to me, if I opened certain types of accounts and completed certain requirements. 

I was a Citi credit card customer at the time and in XX/XX/2020, based on the offer provided to me via my credit card account login, I applied to open Citi Priority account. But, the account opening process failed online and I was given a phone number and an error code to contact Citi. 

When I called and explained to them that the account opening had failed, the agent offered to open the account for me over the phone and also offered a different ( supposedly better ) bonus offer for opening Citi Priority account, that was in effect at the time. 

The offer code given to me was XXXX. It had 2 rewards. First was a Cash back booster on my credit card cash back until end of XX/XX/XXXX. Second was a cash bonus of {$700.00}, if I deposited {$50000.00} in to the savings account and kept it for at least 60 days. The cash back was supposed to be deposited to my account after 90 days of fulfilling the 60 day deposit requirement. 

Based on this, I opened the required accounts on XX/XX/XXXX. My account was fulfilled on XX/XX/XXXX ( Email confirmation from one stop fulfillment representative XXXX attached ).

I had problems even with the credit card booster ( first reward ), but Citi eventually fixed that issue and even today, I am getting the cash back booster, as promised. I get 2.5 % cash back, instead of the regular 2 % ( Latest credit card statement showing booster amount attached- Last Name and other details scrubbed for security ). 

But, Citi is refusing to honor the other promotional reward, the {$700.00} cash bonus. I have called several times and in turn, they opened several " reward disputes '' for me. But, every time, their " back office '' refuses to grant me the reward that I am entitled to. The latest attempt is by XX/XX/XXXX/XX/XX/XXXX ( new accounts specialist ), who was kind enough to follow up several times and even apologize and unable to explain why their back office is just refusing to give me this cash bonus. 

The refusal letters say, if I have any proof of the promotional disclosure. However, I did not receive the offer directly, but over the phone when the agent opened the account. I do have a welcome package that talks about the promotion and that I am eligible for it, once I fulfull all conditions, which according to their own agents, I have completed. I will be attaching parts of the welcome package booklet that was mailed to me. 

Please help me in getting the cash bonus that I am entitled to. 

Sincerely, 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 2021-03-25 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: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
My payment for XXXX XXXX was suspended. I am not really sure when this happened but i submitted documents on XX/XX/2021 to verify myself in the form of an ID and they told me that it would take two days to review. My account has not been unlocked. I got an email on XX/XX/2021 requesting information regarding a card i had added in the name of XXXX XXXX, who is my father. They requested their full legal name and address, which is what I input when i added the card to XXXX XXXX. They also have the same address as i do. I added their card because my dad wanted to pay for lunch and i ordered some delivery. I am unable to pay for my subscriptions as they are all made through XXXX XXXX. 

Attached is my bank statement and my dad 's to evidence that we know and live together. I would also like to note that the card that was added was their EIP Visa card that he received his stimulus payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CL Holdings LLC
State: SC

Complaint narrative:
I paid off my Debt to XXXX XXXX XXXX ( Verizon ) on XX/XX/2020 It was a ''Pay For Deletion '' meaning I pay the balance and the collection/chargeoff would be removed from my Credit report ( XXXX , XXXX , XXXX ) but It never was Its still showing up as a negative mark on my credit report I have the letter from jefferson capital attached showing i settled my debt and the collection/chargeoff would be removed from my credit report Im in the process of rebuilding credit and this negative mark on my credit report has dropped my score by 50 points i need Jefferson Capital to notify the 3 credit bureaus which are experian, transunion , and equifax to let them know the account is paid off and to remove from my credit report ASAP I will not stop until The items are removed Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: FL

Complaint narrative:
I applied for a mortgage loan with academy mortgage with XXXX XXXX on XXXX XXXX. I have been in contact with the lender quite often up until I finished uploading all my documents. I have reached out to the lender via text and through the website but havent received a response regarding the loan estimate. I havent received anything officially in the mail. I was given a good cost sheet via email on XXXX XXXX. It has become very difficult to contact my lender and their team since going under contract. Im afraid they have my personal information now and I dont know what is going on. I was also told to sign something that didnt have the accurate information on it. I declined signing it until it was updated. I still have not received the updates version.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Several unauthorized charges totaling in {$790.00} in a span of 5 months to XXXX XXXX. I filed a claim with Bank of America that was later denied because the charges were low amounts that span through 5 months. I don't have video games or any children. 

photos of transactions 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 2021-03-25 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: NY

Complaint narrative:
To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.

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 2021-03-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2021 I reported to XXXX XXXX XXXX that my debit card was stolen and reported every unknown transaction. After that, they closed my card, but my bank account still has it. XXXX I tried to log in to my account using mobile banking and online banking to transfer the account balance, but it was unsuccessful. On the morning of XX/XX/2021, when I tried to log in to Mobile Banking again to transfer my funds, the system prompts me that my login account has been disabled and I can not access my account, but my account contains all my funds, Including the third round of assistance is in this account. That is all my money. I can not use digital banking. I can only go to the local bank to deal with it. But the banker also told me that they couldn't do anything and couldn't get back the money in my account. 
I do not know what to do. I am very dissatisfied with the services provided by XXXX XXXX XXXX. My account at this bank is all my income account, but not only the assets in my account have unauthorized transactionsAfter I complained about the banks actions, the bank chose to close the account that I had been trying to maintain for two years. I did nothing wrong. I dont understand why I need to take such responsibility. Including until now, I don't have a penny in my pocket. Almost ten days have passed, and I have been suffering from hunger. I called the customer service of the bank. They kicked me like a ball. No one solved my problem for me. I was a victim. I deposited my money in the bank, but I couldn't use my money, this is really ridiculous.

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 2021-03-25 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: TX

Complaint narrative:
My issues is with XXXX XXXX, XXXX, Experian and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX , Experian and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.

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 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
SOME TIME AGO I RECEIVED SERVICE AT WESTERN DENTAL, APPROXIMATELY 5 YEARS AGO, I BELIEVE.I WAS FULLY INSURED AT THE TIME OF SERVICE BY A GOVERNMENT INSURANCE XXXX.THE DENTAL OFFICE INSISTED ON VERIFICATION OF COVERAGE PRIOR TO TREATMENT.ONCE I WAS INFORMED THAT I WAS COVERED AN APPT. WAS SET UP BY THE DENTAL OFFICE. 
IF THE DENTAL OFFICE ACCEPTS GOVERNMENT INSURANCE THEN THEY ALSO ACCEPT THE ASSIGNMENT OF BENEFITS.THIS BILLING BY HP SEARS IS ENTIRELY EXTORTIONATE IN NATURE.NOT ONLY DO I NOT OWE ANY MONEY BUT THE DEBT IS TIME BARRED FOR EXPOSURE IN COURT.SO THE ONLY THING XXXX XXXX IS TRYING TO FIND OUT IS IS HOW MUCH MONEY WILL I PAY TO KEEP MY XXXX FICO SCORES THAT ARE EARNED BY YEARS OF RESPONSIBLE BORROWING AND PERFECT PAYMENT HISTORY TO SAVE MY CREDIT FROM ATTACK WHETHER OR NOT I OWE THE MONEY.I OWE XXXX DOLLARS TO XXXX XXXX OR HP SEARS.I WOULD LIKE TO SAY NICE TRY TO THE CROOKS AT HP SEARS BUT THEY FOUND A PERSON WHO WILL NOT PERMIT THEM TO WREAK HAVOC ON A STRESSED FINANCIAL SYSTEM.SO NOW WE HAVE A RECORD OF THE CRIMINAL ACTIVITY.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

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 2021-03-25 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: Self Financial Inc.
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have a mortgage on a home with Shellpoint Mortgage Servicing that was placed in COVID forbearance XX/XX/XXXX. The forbearance term was extended XX/XX/XXXX. Since the extension, I have been charged 4 late fees. Under my forbearance agreement, no late fees are to be assessed. Shellpoint Mortgage Servicing is refusing to refund the late fees and not agreeing to extend my forbearance even though I have brought payments up to just 2 months behind. I wish to have late fees refunded and forbearance extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Step 1 : What is this complaint about?

The mortgage company is messing up my credit score Step 2 : What type of problem are you having?

Autopay feature did not work due to their website change Step 3 : What happened? 
On XX/XX/XXXX I went online to make my mortgage payment ( early as usual ) and the website was down I was told they changed their website and I had to make a new account so I made a new account and set up autopay, autopay was scheduled for the first of the month but since I had to make a new account the auto pay took time to update and i missed XXXX payment, the website officially was launched on XX/XX/XXXX so there was no way I could have made an account and scheduled auto pay and have time for the update. I was unaware that auto pay was not working because on my end the website clearly states that my autopay is on and was scheduled for the next due date. All I want is for them to acknowledge that them changing the website at the end of the month caused my auto pay not to go through and I had to make a new account and set up auto pay again and it was impossible for it to go through and that the website told me it was set up and registered on XX/XX/XXXX so it is not my fault they didn't take the money out and that they need to refund the late fee and fix my credit score. I can pay them, I have never been late on any payment ever and this is obviously a technical error but the customer service says all they can do is wave a late fee but can't fix my credit score, which suffered drastically!

Step 4 : What company is this complaint about? 
Amerihome mortgage Step 5 : Who are the people involved? 
Loan servicing department and customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XX/XX/XXXX I pulled my credit report from XXXX and noticed an account listed as " Joint Account '' for SYNCB/CARE CREDIT. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with Care Credit. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to XXXX asking them to investigate this account because I am sure I never opened the account. Received the XXXX response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.

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