vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
My Target Red Card monthly credit card payment was due on Sunday XX/XX/XXXX. On XX/XX/XXXX, Target charged me a late fee of {$29.00}. I confirmed with my Bank that at my instructions, they sent an electronic payment transfer to Target on Friday XX/XX/XXXX. My bank informed me, that just about every transfer sent by this method will be received by Target on Friday. 
I called Target Red card service at about XXXX XXXX CDT on Monday. A very polite agent named XXXX, informed me that Target had not received or posted my payment as of that time. She credited my account for the {$29.00} late fee based on my relations with Target. However she insisted that Target was not responsible because they did not receive the payment. 

It seems to me and I hope you will investigate, Target has set up a system that has the customer pay, when their system does not work. I needed to spend my time, given Covid, I do have plenty of time, to inquire about their shortcomings. This is extra fee, Target imposes on busy people and families. 

I request that you investigate to see if Target has a pattern or practice of making the customer pay for their mistakes. Hopefully, it is just me that had a bad experience with Target.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP
State: OH

Complaint narrative:
My name is XXXX XXXX I was applying for a loan through XXXX XXXX when I got done I got a e-mail stating someone will be in contact with you soon so when the people called me pretending to be a loan company I dot really think anything of it. But they got me to send verification money to them from my account. I still had two of my XXXX check go I to the account that key bank room from me also

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 — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 my account ending from Regions Bank which was associated with to my XXXX XXXX application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

As a trustworthy bank, I thought I would receive better attention from them about this inconvenience but I havent. 

I have personally gone to speak with the manager of the XXXX XXXX office located at XXXX XXXX XXXX XXXX XXXX, FL XXXX and they treated me very rudely and left without receiving any kind of solution. Then I went to another location with MrXXXX XXXX XXXX, branch manager of Regions Bank XXXX XXXX XXXX and he told me that they were going to submit an investigation but it's been almost a month and I still have not received a response about my money.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
On XXXX  they are 3 reports with no name. I have proof that CBC and mar joe are scammers. I want proof of everything they say I owe.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, Experian and XXXX answered " The company that reported the information has certified to Experian that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the XXXX court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.

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: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
AMEX voluntarily cancelled my unused credit card. My FICA score has decreased significantly during the pandemic due to an increased and unforeseen household. All citizens are hurting but cancelling my account impact my credit. Another company reduced my limit only making my credit appear worse. I think during this time of great financial impact not caused by ourselves this practice shouldn't be allowed at this time. Reinstating my $ XXXX credit limit would at least sustain the present FICA score. This action combined with the other lender has the capacity to decrease my current score 50-60 points. Please don't let lenders get away with this unfair practice. Finally NONE of this would have happened if the pandemic didn't happen

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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
My current mortgage was on a forbearance due to loss of income related to COVID-19. I had an approved forbearance that I voluntarily terminated early and requested to be placed back into repayment status. I have never missed a payment and have a credit balance on my account. I was told my forbearance payments would be placed at the end of my loan, a calculation would be completed and my payments would resume. My loan was in good standing at all times. 
The mortgage company then reported my account delinquent in error and stated I was over 120days late. I disputed this with them as well as the credit monitoring agencies. I have called them on six occasions over the past 45days attempting to resolve the issue with no success. Im placed on hold for over an hour each time and no one can provide me any remedy, correction or accurate information regarding my dispute other than it was filed and will be processed. 
My credit score has dropped almost 200pts and I only found out about the issue when I went to seek credit for an auto loan and was denied. I have asked on multiple occasions to speak with a supervisor and have been denied. 
I am at risk of losing the ability to close on my refinance with another company and lose my rate lock due to this issue still going uncorrected. 

The mortgage company transfers me around and I have still not been able to speak to anyone that can resolve the issue.

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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: CA

Complaint narrative:
I received a " Notice of XXXX XXXX '' from JFQ Lending Inc. that was made to look like an official government notification about my loan benefitting from enhancements to Fannie Mae Eligibility. The letter has a heading that says " XXXX  XXXX XXXX '' but it never describes any of these enhancements. Instead, it seems it is just a veiled solicitation for refinancing my home loan. I find it misleading and offensive. I feel the letter is predatory in that it tries to fool some people into thinking they need to do something about their existing loan to take advantage of some FNMA/government enhancements and it is misleading and unscrupulous.

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 — Investigation took more than 30 days
Company: Merchants and Medical Credit Corporation, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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: IL

Complaint narrative:
Per my previous complaint with XXXX XXXX, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.

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 prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was given 2 American Express Reward Cards upon my retirement on XX/XX/XXXX. One in the amount of {$1000.00} ( XXXX XXXX XXXX ) and the other in the amount of {$500.00} ( XXXX XXXX XXXX ). The cards were set aside and unused. When I decided to use them it came to my attention that they expired on XX/XX/XXXX. I called American Express to get them replaced and they indicated that these are SWEEP cards that effectively are use it by the expiration date or lose the money. On their web site there are several reward card agreements and the majority of them do not have a use it lose it by date. The cards have no information on them that indicates they are a SWEEP card. 
I spoke with several customer service representatives on XX/XX/XXXX and they all informed me that while it is clear the cards were never used, they will not replace the cards and effectively American Express is keeping the money. These cards were acquired in California and I do not believe this action is legal. I find it hard to believe a large company like American Express would stoop to this level.

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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Due to natural disaster in the state of Texas, my closing on refinance was delayed from XX/XX/2021 to XX/XX/2021( see attached letter ). I called and notified Freedom mortgage of the delay and they said the payoff would remain in good standing.

Loan was paid in full on XX/XX/2021 per Freedom mortgage and closed as ofXX/XX/2021 ( see attached documentation ) yet they debited my escrow account on XX/XX/21 for mortgage insurance. Are they allowed to do that after the loan is closed?

I tried contacting Freedom mortgage by secure message ( no response ) on XX/XX/2021. When I called on XX/XX/2021, she said there was nothing she could do ( customer service ) and that she would put a note in the record to have the money refunded. It was not. I am requesting a refund since I have a new lender as of XX/XX/2021 for this home.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 my account XXXX XXXX which was associated with my Cash App application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

They hacked my account, changing my username to somebody else 's and stole all the money I had saved in my bank.

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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Central Credit, Inc.
State: NM

Complaint narrative:
I received a bill for XXXX from Continental Central Credit , Inc supposedly for XXXX XXXX. I called this collection agency and they do not answer their phone. I called XXXX XXXX and they said I have a XXXX balance and will be sending me a statement. The hospital where I receive XXXX XXXX was hacked and medical and personal info was taken. I think this is a scam so they could get a small payment and then use this info to drain my account.

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: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial Credit Network place a debt on my credit without properly notifying me never received a call nor a letter regarding a debt it just showed up on my credit was not afforded due process to to let the agency know I had health coverage and my insurance company should have been billed for this debt. I had a car accident in XX/XX/2019, the ambulance never asked if I had insurance and only asked for my social security number, the city never billed XXXX for the services according to XXXX as they should have, with my health care provider XXXX a year passed, and according to XXXX if they can not bill after a year ( not sure why the delay ) according to XXXX they have to swallow the bill. The bill was sent to collection since they did not exercise due process- the collection agency just placed on my credit never notifying me of any such debt, and refused to remove it from my credit unless I paid the debt of {$860.00}, that my insurance provider was suppose to pay. This company never called, never notified me just demanded payment for which I paid unjustly without due process of having 30 days to let them know that I have health coverage, my credit score went from a XXXX to a XXXX due this action. I am requesting a refund of my monies as this was unlawful and XXXX wrote a letter that I have full coverage ; this should have never been put on my credit when my insurance carrier was never billed in the first place.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
My ex-wife and I were divorced in XX/XX/XXXX. In XX/XX/XXXX she filed for bankruptcy and subsequently turned over the vehicle included in that bankruptcy to XXXX XXXX. After running my credit report in XX/XX/XXXXthe remaining amount of the vehicle loan, {$5200.00} was applied to me. The loan in its entirety was covered under her bankruptcy which XXXX XXXX confirmed with me. Since I was a co-signer, ex-wife being the primary they told me they could still collect from me. When I asked about paying it they informed me it was not payable and a closed account. They also informed me they could not remove it from my credit report. This is stopping from gaining employment in my field and purchasing a home. The {$5200.00} they are showing is the only debt showing in my report. Can you please get this removed. In addition on three separate phone calls the representatives have informed me they would provide me documentation stating the debt is no longer payable. That documentation has never arrived.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase is a scam. They do not respond or answer the phone. 

I accidentally flagged my account as compromised and there is no way to reach the company via phone, online ticket or email. They do NOT respond to anything. They will happily take your money and lock you out of your account, never to get back in, thus keeping your money.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a bankruptcy on my credit report. I asked for verification thru certified mail so I can get a description of the procedure used to verify the info. I called and all 3 bureaus stated it was verified thru XXXX. That is not possible because my XXXX is frozen. All 3 bueraus lied.

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 — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
We refinanced a loan in XXXX with XXXX XXXX. The Title company at the time was XXXX XXXX XXXX. We received a clear title and was able to close the loan. We are in the middle of refinancing and on the day we were going to sign the closing documents, the current Title company said their is an outstanding lien from XXXX. This was not reported to us in XXXX, otherwise we would not have been able to close that loan. I have been in contact with XXXX and they claim they have no duty to us to solve this issue. We are going to lose a loan that would be saving XXXX $ XXXX because of the mistake made by XXXX in XXXX.

Company response to consumer: Closed with explanation