vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 at approximately XXXX I XXXX XXXX attempted to withdraw XXXX XXXX from an ATM machine in XXXX XXXX, NJ. Upon entering my credentials I was prompted with a message stating " insufficient funds '' I was very surprised and shocked as I've never recieved such message in the past. I then attempted to withdraw again hoping it was machine error but received the same message again. 

I then decided to check my bank account by logging on to the phone application to find out I had a total of approx. XXXX USD left in my account, I also saw numerous charges of XXXX USD at various gas stations such as XXXX, XXXX and XXXX at locations I have never frequented. 

I have spoken to numerous agents at Simple and I must say I have never experienced such brute and callous treatment when I've been a loyal customer for almost 8 years. I chose Simple because it was something different, a huge change like a breath of fresh air compared to other banks but I feel as though since the bank is in a closing stage the customer is being treated like trash. 

A customer service specialist named XXXX was the only truly helpful person and understood my pain although as she stated many times there was very little she could do since the Fraud department was handling the case. 

I was digitally robbed and I expected my bank to back me up which has not happened, instead Simple has sided with criminals by not returning my money and closing my account. I have never frequented any of the flagged transaction locations, it's not even my usual behavior pattern. Are these charges ATM withdrawals or are they swiped transactions at a register? How was this investigation completed in a matter of a few days? How was I physically able to make multiple XXXX dollar transactions at the same exact time? Something is fishy here, I believe my case deserves a full in depth investigation. 

In closing I am expecting the stolen funds totaling XXXX to be returned to my account, I am also requesting the reversal of my pending account closure. This robbery has unfortunately flipped my life upside down as I can not pay my Bill 's, purchase food to feed myself or my family or purchase my medication because I am a XXXX XXXX. 

I am on a fixed income, If I die because I do not have the stolen funds returned and made available to me to purchase my XXXXXXXX XXXX I have informed key individual 's to initiate an immediate investigation and hold " Simple '' responsible for my death. 

I am looking forward to some sort of positive resolve so that I may continue living my life free of financial hardship such as this. 


Yours Truly, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TX

Complaint narrative:
CREDENCE RESOURCE MANAGE XXXX potentially negative icon Potentially Negative StatusCollection account. {$710.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$710.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$680.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$680.00} Date OpenedXXXX Details Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$140.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusClosed. {$480.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$530.00} written off. {$530.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$530.00} Date OpenedXXXX

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 2021-03-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX and Transunion are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX ; Experian and XXXX are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
In 2015, my mother opened a CC with Barclays Bank and had put my name on one of the cards so that I could use it to do her shopping, etc. After doing much work to improve my debt status I realized today that this card is showing up as debt on MY credit score, which they were never given my SSN nor were they given permission to process my credit.This is a XXXX credit card. For my mother, this barely makes an impact in her debt to income, but for me this is 30 % of what I make a year and making a HUGE impact on my negative debt to income ratio. She did call Barclay today, who confirmed that they do not have my SSN on file and " don't know how this could have happened '' and that I would need to file a report on it. I really just want this removed from my report. This should not be impacting my report or amount of debt to income.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

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 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, since XXXX XXXX Ihave not been able to access to my account From Coinbase has been frozen for ID Verification Issues, and then requests my personal information in a safe link, all documentation has been provided but is almost one month and they have not resolved my problem, they have been continuing not resolving my problem, they dont provide to me a timeline for resolution or any plan to return my funds My number case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
We have given our most recent mortgage company, VeteransUnited Home Loans, just over six weeks to respond so, at this point, I believe its reasonable to give up hope that they ever will. Heres the justification for what I suspect you will agree was a shady practice, the remedy for which you may able to offer us advise.

Our first loan officer for VeteransUnited Home Loans didn't know his loan products well enough to offer us the correct one. We had originally settled on what we felt was a fair price but, with TWO days to go before the original closing date, after having thought our loan type had been determined for over a month, our loan officer informed us that the product for which we had originally contracted was not available after all and, to make it available, would require an interest rate that would have been prohibitively expensive. When we asked the seller for an additional week that VeteransUnited Home Loans demanded to process the revised contract through underwriting, the seller refused to extend the deadline unless we paid the full appraisal price. We wanted the house and feel that that mistake cost us {$5000.00} extra to get to the appraisal price or certainly lose the house. We hold our loan officer 's team responsible for our lack of leverage at this critical phase in the process.

Furthermore, in order to get the original rate, we were compelled to replace my wife with our daughter on the deed and, because shes only XXXX XXXX XXXX, she has not had an opportunity to achieve an " Excellent '' due to her immature credit history, that cost us .75 % ( {$2200.00} ) to maintain the same interest rate.

So, {$7200.00} poorer than we bargained for, we feel cheated and mistreated and would not come near VeteransUnited Home Loans again and persuade everyone we speak to do the same. Any remedy you can suggest we pursue would be very welcome. 
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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have been patiently awaiting a refund of my Escrow account. On XX/XX/XXXX, a check was issued to me mailed to residence. When I did not receive this check in the mail I contacted United Wholesale Mortgage several times stating non-receipt of this payment. Finally, on XX/XX/XXXX the check was found to have been cashed though mobile deposit by someone else. I have no knowledge of the identity of the person that forged the check and would like to pursue legal action against them. 

I have been calling XXXX and XXXX XXXX since early XXXX. On XX/XX/XXXX, I was advised to send this written request so that a check can be reissued as soon as possible. 

Nothing has been done I get hung up on told to send in new forms. I feel like I committed a crime when I was the victim. 


Amount {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I called Capital one ( XXXX ) and talked to a lady to cancel my credit card and she had me send a signed conformation of the cancellation. 
I was told that I owed XXXX dollars and some cents and that I had enough rewards to cover the charge. 
I received a conformation that the transaction on the card was cancelled and completed and that I had the option to renew it. 
I cut up the cards and sent them back to Capital one. 
Now I keep getting statements that the original balance increases each month from $ XXXX and the balance is now {$70.00} with no explanation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to dispute some of my important credit information that is missing from my report from Experian. I mentioned in the dispute which information was missing and provided the documents, including my bank statement, car loan statement, and the mortgage statement. However they did not try to thoroughly investigate what happened and sent me a letter saying due to the fact that my creditors did not report to them. I verified with my creditors and they said they did report. Also on the reports from the other two agencies ( XXXX and XXXX XXXX ) they do show my accounts information correctly. And now I found out my information was incorrectly shown on SOMEONE ELSEs report. I was an on going problem, and they fail to correct it. Now they said my credit score is unavailable because my credit usage is zero. I dont have any open account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a credit card offer from American Express in XX/XX/XXXX that included XXXX bonus miles and a cash credit of {$200.00} if I charged {$3000.00} within 3 months. 
On XX/XX/XXXX, I called AmEx to verify that I would be eligible for the bonus. They assured me I was qualified. I had recently had an Amex BLUE card, but this was a GOLD card, so I could get the bonuses. So I applied for and received the card. I then charged over {$3000.00} right away. 
In XXXX I noticed I'd received no bonus, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX to complain. She opened case # XXXX. She said investigation would take 7-14 days. 
I received no response, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX who said the investigation closed on XX/XX/XXXX and they concluded I was NOT qualified for the bonus, since I had had a BLUE card until XXXX, before receiving my GOLD card. This contradicted what they told me in XXXX. I was then transferred to speak to XXXX, employee # XXXX, who agreed to another investigation. He told me they could listen to the recording of our phone conversation in XXXX of XXXX and if I had been promised the bonuses, I would get them. He told me the investigation would take about a week and they would call me. 
I never received a response ( again ), so on XX/XX/XXXX, I called and spoke to XXXX, employee # XXXX, who told me the new investigation had closed and no bonuses were approved. He could not see that they had listened to the recording of my conversation in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I've been sending extra payments to be applied to my unpaid mortgage balance and they will NOT apply the payments to my unpaid balance. I have sent a payment of {$310.00}, that they recieved on XX/XX/21. and they have applied it to my XX/XX/XXXX payment. Eventhough, I wrote on the money order that it was sent to be applied to my unpaid mortgage. I have called thm several times about this. I am getting no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Summary : I was shown an offer on my American Express Credit Card account page with an offer of an extra XXXX bonus miles if meeting a minimum spend requirement. After being approved XX/XX/XXXX for the card and meeting the minimum spend for sign up bonus, I realized I had not received a sign up bonus in XX/XX/XXXX. American Express says they showed a popup stating I wasnt eligible, however this is absolutely not something that was shown or seen at any point during my application. I am requesting resolution to the misleading advertising and resolution of the signup bonus used to draw my attention to the credit card at the time of application. 

XXXX XX/XX/XXXX - Applied for Delta Skymiles Platinum Card assuming i would be given a XXXX sky mile sign up bonus if minimum spend was met. 

XXXX XX/XX/XXXX - Called American Express to inquire about why my sign up bonus had not been credited. American Express said that i had been rejected by the committee due to my credit history and i was not eligible. The CS reps stated i was informed of this decision through a website popup. I absolutely did not see a popup of any manner of this sort, and I would not have applied for the credit card if this were the case as the card has a yearly fee that I would have felt uncomfortable with, if not for the initial sign up bonus. CS rep stated they would open an investigation to check if i should be eligible, and to call back in 2 weeks. 

XXXX XX/XX/XXXX - Called American Express to follow up on the status of their investigation. They informed me due to my credit card history i was ineligible and would not be changing their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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