vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I submitted my mortgage application for refinancing in XX/XX/2020. 7 times contacted with mortgage broker, 3 times with NEWREZ customer service. No calls back or responses. 
Now, after 3 months of time waste interest rates went up. I suspect fraud or neglect and want to be compensated for my time and horrible customer service/ unprofessionalism/ customer neglect and money loss. 
Broker information : NEWREZ XXXX XXXX XXXX XXXX NMLS # XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just received an updated credit report from Experian. Upon review, I noticed inaccurate and incomplete information still reporting. I circled the information in the attachment. I have been disputing a bankruptcy that has been reporting incomplete and inaccurate information and Experian has failed to consider the evidence. The same with the account XXXX reporting a different bankruptcy type than the bankruptcy that is reporting. There are no financial accounts attached to the bankruptcy. To file bankruptcy you must have delinquent accounts and amounts. To report information on my credit file you must get information from the source. Not third-party sources such as XXXX per FCRA. Third-party sources gather information period without verification. How is anything verified through them? I contacted the bankruptcy court which they sent me a letter stating they do not share personal information. So how is it verified? XXXX has removed the inaccurate information I sent proof of that and Experian and XXXX refused to remove it and violated my rights as a consumer. I requested XXXX to please remove the personal statement that is appearing on my credit file and they still haven't removed it. I attached it to this complaint. Please remove the statement from the personal statement section of my credit file.

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 2021-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We are selling our home when we first bought the home in XX/XX/XXXX we got a first ( {$210000.00} Citi Mortgage ) and a second ( {$52000.00} Citibank ) on the home. A few years later we went into financial hardship and filed chapter XXXX BK and also went through a loan modification XX/XX/XXXX-XX/XX/XXXX. During this period our second on the home we thought was included in the loan modification because we never made any other payments to Citibank/ Citi Mortgage.over the next 11 years we have built up our financial portfolio and we are now a strong credit worthy couple. We are attempting to sell our house and move closer to grandkids. During the process it was discovered that our second from XX/XX/XXXX with Citibank/ Citi Mortgage is still out there or it may have been forgiven during the time period under the Obama administration. We do not have any paperwork in regards to anything for the second deed of trust. We have all of our taxes from XXXX to current and the last year we have a 1098 on the second is from Citibank/ Citi Mortgage XXXX. In XXXX we only have Citibank/ Citi mortgage XX/XX/XXXXon our first deed of trust. 

Since we discovered the issue of the missing second deed of trust we have placed phone calls with Citibank/ Citi Mortgage , XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX All companies in which the loan had been sold to over the years. This paper trail is from the first mortgage only. None of the companies listed above have any documentation of the loan, or me in their system. 

We contacted our attorney and requested all of our paperwork for our BK. The second deed of trust is listed in the paperwork as a asset or debt on the home but it was not included in the chapter XXXX BK. Citibank/ Citi Mortgage does not have a customer service for passed or lost deeds so a written request was submitted to their legal department with no phone number to follow up with. As of this writing we have not heard back from them. We have spent countless hours trying to find out any information on this missing note. We are more then willing to pay it off if we owe it. We desperately need someone's help in getting us in contact with someone from the legal department of Citibank/ Citi Mortgage. We want to resolve this issue so we can move with our lives.

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 2021-03-21 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: CITY NATIONAL BANK
State: CA

Complaint narrative:
CNB VISA # XXXX On XX/XX/XXXX, a letter was sent out to me that, effective XX/XX/XXXX, my VISA # XXXX at the City National Bank would be closed, and effective immediately, my credit line at the bank is being reduced from {$20000.00} to {$18000.00}. There was no clear reason mentioned on that notice, only that the bank is exiting out of the banking relationship. I am filing this complaint to get more clarification as to why the City National Bank has decided to pursue this action, and if their decision has been influenced by their parent XXXX company, i.e., XXXX, or is this a decision solely made by XXXX and CNB is just following orders? 

My credit account is in good standing, has been paid on time every time, and the credit account was granted to me based on my good credit history in the US, my credit application had nothing to do with the XXXXXXXX XXXX, and if, or at some point, I ended up having a conflict with their parent company XXXX in XXXX, should not affect my credit standing and accounts at an independent subsidiary in the US. The reason I have the belief that XXXX in XXXX is the one making this decision, and not CNB, is that on that exact same date, i.e., XX/XX/XXXX, my accounts at the XXXX bank XXXX had also been scheduled to be closed, due to the conflict that arose with the bank ( the XXXX bank decided to freeze my accounts for no reason, and after a legal challenge, they were forced to release the funds ). 

I would like to let bygones be bygones and continue my banking relationship with CNB, which is an independent US bank, regulated by an entirely different sets of rules and regulations. If there is any chance that the bank could revert the adverse credit action they have taken against me, increase my limit back to the original {$20000.00} and stop the closing of the an account in good standing, I would appreciate it. If the bank still is staying with the decision to close my credit card account, please provide me with a clear reason. 

Thank you for your time and consideration. 

-XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX I closed my AMEX Platinum card and at the time of closing I did not have a balance or any pending charges. Much later I noticed a 30 and 60 day delinquency ( XXXX and XX/XX/XXXX respectively ) associated with the account on my credit reports. I had not been notified of any balance and did not have access to the card 's online dashboard after closing the card. Knowledge of charges occurring months after account closing are not the customer 's responsibility ; it is the responsibility of the credit card company to either prevent these charges from occurring in the first place or to make the customer aware of their existence. In Q4 XXXX I called AMEX to get an explanation of the charges which they were not able to provide. I explained that I was not made aware of these charges or their late status and would be happy to pay whatever I owed but would like the derogatory credit marks to be removed as the charges were clearly added months after the account was closed. I was told by the representative that the marks would be removed and after several months no action had been taken. In XX/XX/XXXX I filed disputes with each of the credit reporting bureaus but the marks were not removed, only an on time payment status was added to my credit reports for XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was flagged for fraud by usbank reliacard and my account was locked until I uploaded a picture of my ID and a selfie I did that and since my address is different on my ID they want me to upload a a picture of a bill with my current address I do not have one I have a current ID social security card and a birth certificate

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 2021-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: IL

Complaint narrative:
I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked Equifax, XXXX, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have been unable to speak directly to person at Caliber Home Loans. When I call they direct me to the website, which informs me that my mortgage number is not valid. My payment has been increased twice, yet they mailed me a refund check. They do not appear to know how to manage my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation
State: KS

Complaint narrative:
Account Resolution Corporation makes a habit of ruining consumers credit. This organization place NINE derogatory collection remarks on my credit report for the SAME utility account. I have paid almost XXXX XXXX dollars for this utility bill and ARC refuses to update the collection account ( S ). This company has single handedly destroyed my credit. 

I am working with a credit attorney, but so far, nobody ( not event ARC ) can explain to me how it is legal to operate this way. How can one person have NINE derogatory remarks for the same company and the same account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

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 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/2021 my fiat balances on Binance.US was around {$4000.00}. A few hours later I checked back on Binance.US and my balance was {$2500.00}. So where did my {$1500.00} in XXXX  went? My account trading is also disable and I can not buy, sell, withdrawal, and deposit. I tried to reach out to Binance.US on every single social media page. I message and also email. But so far no reply. My case/ticket number with Binance is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
I sent money to XXXX on XX/XX/2021 and got canceled due to amount limitation. Refund was initiated but my checking account was frozen. I closed my checking account that I used to send money and called Xoom on XX/XX/2021 to inform them that my checking account is already closed. They told me that they will going to send a manual checking instead. I called Xoom on XXXX XXXX, 2021 for update but they did not send the check. I was promised that they will escalate the situation. I waited till XX/XX/2021 and I called. To my surprise, they did not send the check to me. I called again on XXXX, 2021. And guess what..no progress on my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked XXXX, TransUnion, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.

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 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/2021 i received my federal refund in the amount of {$10000.00} I withdrew money in the amount of {$10000.00} between the XXXX and XXXX in increments of XXXX dollars. 
cte On XX/XX/XXXX I received {$750.00} and {$75.00} on my card for payroll from team car care aka my job. 

I used my card in one store XXXX XXXX XX/XX/XXXX in the amount of {$330.00} for a phone and attempted to use it again but it was declined. 

Once again I tried to use my card at an atm the XXXX and today the XXXX to no avail. 

I called customer service Saturday XX/XX/2021 to see as to why my card was declined instore and at the atm. Customer service was rude, not answering my questions, acting very suspicious and giving me many different answers as to why and what was going on. I was also hung up on several times by several customer service reps and managers while trying to get this resolved. 

I am expected another {$1400.00} from stimulus to be deposited on my card sometime this week of XX/XX/2021 through XX/XX/2021. I as well expect another deposit from team car care on XX/XX/2021 in close to the same amount as above. I am also expected another deposit from team car care in the same amount on XX/XX/2021 in the same billing cycle that American express is claiming I can not use my funds on my card as I exceeded my limit on my card. They also XXXX that I can sent the money via ria to someone and I have tried this to no avail. I can not get all the funds off to close the card now and I fear they may close my account with funds on my card as I have seen them to this to others recently in the past 60 days. 

The customer service reps in all gave me in total the excuse of I have a {$750.00} a day atm limit, I have a {$2000.00} a month limit to withdraw money off the card by another customer service rep. I was hung up now in just the past 2 days by roughly 4 customer service reps and 2 supervisors all of which refused to be of any assistance and kept telling me that I have a temporary card. They refused to acknowledge my card is not temporary and that it is a card from XXXX XXXX that I received years ago and it had my name on it. 

I repeated that I was able to in the past years and with my recent withdrawals to pull off XXXX a day and especially from XXXX to XXXX as their card agreement states. They claimed their website did not state this and that I was lying. They stated to me there is nothing they can do in regards to my account so I can pull my money off and close my account to prevent further criminal activity from their company. 

I am informing everyone I know, including making a complaint against this company to prevent anyone else going through this mess as I have been and countless thousands of others on a group I am on that informed me to report the company for what their doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: MD

Complaint narrative:
Collection bill from Syncom XX/XX/21 I have received a bill From SYBCOM a collection company, the bill is from another collection company XXXX XXXX XXXX, and was from another company XXXX XXXX XXXX. Original bill XXXX they are offering settlement of XXXX XXXX 's number is XXXX. They're Ref # is XXXX. 
I have called them 3 times and left my information. I also went on they're Web sight and left my information requesting an email or call back. I have been trying to contact them for 2 weeks. I have gotten no response from them. 
I don't know what the bill is for. I will pay if I owe the money. 
They are out of line not contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

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 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MI

Complaint narrative:
On XXXX I filled a dispute with netspend because I was requesting money to play XXXX XXXX XXXX XXXX. It would let me get the money I requested maybe 3 time Then the other times I would request money netspend would pay XXXX but the money never went to my XXXX account. I disputed 5 transactions online because that all it would let me do. So I call customer service and was advised to do my dispute through email along with my screenshots showing payments taken from my account by XXXX and at the same time denying me to play on there site. I did more then 20 transitions in a period of a few days. I thought the money would automatically go back onto my netspend account that's why I did so many but it never did. Customer service have been giving me the run around they have been so rude I have never been treated like this before with any company that I do business with.

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 2021-03-21 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: OH

Complaint narrative:
My employment direct deposit was loaded to my American Express Bluebird card on Wednesday XX/XX/21 and my fiancee 's 3rd Econonic Impact payment was set to be deposited on Wednesday XX/XX/21 but they decided to Permanently Suspend pending an investigation of my account on Friday XX/XX/21. Now I have the remainder of my employment direct deposit ( roughly {$100.00} ) and my fiancee 's stimulus payment ( {$1400.00} ) just sitting there frozen. I have called multiple times and they just tell me that they have no response and post a new ticket for an investigation. So I have around {$1500.00} just sitting in this prepaid AmEx Bluebird account that they will not unfreeze or disable and send me my money that they are just holding hostage from me. So I'm reaching out to you guys before finding an attorney and taking legal action against this company. Please let me know what you and or I could possibly do about this situation as my family is serious struggling in this impacted economy. 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief