vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent the credit bureaus a letter asking for the debt on my credit report to be validated. On XX/XX/XXXX, the collection agency failed to validate the account. The collection agency, sent a letter which included, the original creditor, creditor account number, Credence reference number and balance. The collection agency failed to connect this account directly to my with a -Proof of your right to own/collect this alleged debt, balance claimed including all fees, interest and penalties, or contract bearing my personal signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On or about XX/XX/, I purchased a rug for {$500.00}, charged to the credit card ; on XX/XX/ this item was returned and a refund issued to the credit card. On XX/XX/ I purchased another rug for {$230.00} charged to the credit card. There was a statement which I never received ; upon receipt ( to me ), of the first statement showing a balance due of {$320.00} representing {$230.00} for the rug plus fees, interest, totaling {$86.00}? I called Customer Service and spoke to XXXX, he waived all interest and I mailed a check for XXXX with a letter explaining the above to the Company / Financial Institution. The check, with a letter from the financial institution was returned because I didnt pay the difference i.e. interest! On XX/XX/ again I called Customer Service and spoke to XXXX ( sp? ) who agreed to waive all interest per confirmation # XXXX, if I paid over the phone the {$230.00} ; I did! The following month ( XXXX ), I had a new balance of {$58.00} ; XXXX {$85.00} ; XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$150.00} During XXXX, XXXX and XXXX the interest was low because we were exchanging letters ( the financial institution and myself ), where I was trying to explain the above ; their last missive they stated At this time our investigation has concluded ... What investigation if they refused to read my letters, which had attachments with dates! At one point I received 2 separate letters from different Customer Care Team, there was never a name or a signature, never an individual to whom I could address this issue ; some of the letters didnt make any sense! I was really frustrated! I sent a payment of {$14.00} this month just to prevent them sending this account to collections, they did already sent a notice to my bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I went to the doctors office monthly for XXXX medication and I didn't have a problem with the insurance, until they up charged me. Me, being the XXXX XXXX year old I was didn't notice and the front desk ladies at the doctor 's office said they would fix it. Well they didn't after I tried and tried several times. I trusted them and that was a mistake. They didn't communicate to me that I wasn't covered because I was scheduled for an hour long visit when all I needed was a med refill and I was never charged for an hour long visit before that. All of a sudden I received a collection in the mail. I had never gotten that before and I honestly thought it might be junk. But then I was getting bombarded with multiple phone calls a day. They called my work multiple times. I talked to the doctors office and again and I thought it was fixed because I never heard back from them. I had moved and was going to a different doctors office at that point. Things got serious a guy even came to my house and handed me Court papers. I argued and argued with the doctors office. Eventually we talked to the finance manager and he told us not to worry about it anymore so I didn't. That was 2 YEARS AGO! I didn't hear from the collection agency until a few months ago and they have been garnishing my wages. I have had the time to deal with them because I'm in school and working full time. I did not appreciate them taking my holiday pay. And now I'm struggling to find a car loan, they messed up my entire life and it's not helping during a pandemic when I don't know if I'll have a job or not. Please help get it off my credit score! I'm stressed. Also the garnishment papers, seem fake. The signature doesn't match the name. The court case number can't be looked up anywhere, especially the court that is listed. And they don't tell what I have left to pay. Nothing matches up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear CFPB, On XX/XX/2020 I made balance transfer ( {$11000.00} ) from XXXX XXXX to American Express. After two weeks I find out that American express made mistake and transferred money to someone else 's account. I called American express immediately and opened case. They told me up to 10 days money will be back to my account. In addition, they will stop APR and don't charge me with late fees. However, it's been almost two month Amex didn't refund money yet. I called numerous times to Amex and they tell me " not to worry '' they will take care of it because it was their mistake. I called again two days ago and complain that I start getting APR charges ( even I was told they will stop it ) and late fees. They transferred to me different departments and after hour and half on the phone they still didn't had any answers. They told me they will call me back after couple hours but its been two days since and no one called me back. I've been in this situation almost month and a half. I paid Amex for this balance transfer almost {$400.00}. Amex made mistake which they had to fix in a reasonable time but they didn't. If I didn't call no one even would care. I'm extremely disappointed and ignored. Im getting charged APR, late fees and my credit score is getting lower. Please see attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Total Card, Inc.
State: PA

Complaint narrative:
I have had nothing but problems with this creditor since I opened my XXXX XXXX and XXXX XXXX cards. I recently closed them because I explained I was on unemployment due to the pandemic. It took 4 weeks for me to finally receive my money yesterday. 2 days after the due date, I was ready to pay the accounts in full, when I went to do so I saw that I was charged 2 more {$40.00} fees at this point they have charged me almost 3 times what my {$300.00} limit is in fees. Literally every other credit card company and bank I deal with has worked with hundreds of customers including me by changing policys to adjust to what is happening with this pandemic, I have not been charged a late fee by any other creditor during this pandemic while struggling to make payments, only with this creditor. I was also threatened with adverse actions against my credit for being effected by the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CORELOGIC INC
State: NC

Complaint narrative:
Was inquiring about a mortgage from credco/XXXX, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.

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 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: NV

Complaint narrative:
Around XX/XX/2021, my Discover Card was being declined. I had just paid the balance in full. When I contacted them I was given very evasive answers and given a number to call the next morning. In the mean time I tried to gain access to my account online. It was denying me access. When I did call the number the next morning I encounters more avoiding of my questions, yet was able to uncover that Discover wanted to " just verify the information I had given them was correct. '' I asked what reason they had to think it wasn't, my account is paid on time in full. Then an email comes demanding I grant Discover access to my IRS  filings and if I do not they will shut off my credit in 5 days. No warning no reason, just a {$19000.00} credit line gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Contacted XXXX XXXX, XXXX  XXXX  on XX/XX/XXXX, they stated I owed {$190.00}, I paid it on XX/XX/XXXX. The representative said that she waived the {$23.00} fee and cancelled the account. There is a collection on my credit report for {$260.00} from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Was inquiring about a mortgage from XXXX/quicken, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This account went into default in XX/XX/XXXX ( this is the date of the last payment reported by Ally Financial ) it has been in a closed status for over 7 years. 

As it has been over seven years since any activity with this account. I opened a dispute with XXXX  and XXXX to get the negative information removed. Ally denied to remove the information and then updated the account with a Charge off on XX/XX/XXXX ( The day they received my dispute via the credit bureaus ).

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 2021-01-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX granted myself and my partner, a credit card account in XXXX. In XXXX my partner and I, separated and I closed this account and paid XXXX of the XXXX balance ( continued payments made for the XXXX balance at the time ) XXXX, was advised of the personal circumstances at the time, and agreed to close the account due to previous unauthorized transactions made on the account without my knowledge or authorization. This past XXXX, with a balance of XXXX XXXX, allowed charges, unbeknownst, unauthorized and without my permission. 
I returned to XXXX to inquire about the status of the account they informed me the account wasnt closed, but paused, and recently reactivated. XXXX allowed XXXX more in charges without my knowledge, permission or authority. Once again, they assured me the account is CLOSED and no charges would be allowed. XXXX not only failed to secure my account they allowed charges to continue without following their own guidelines, by NOT validating and failing to confirm with me ANY and ALL transactions made in my name under any circumstances. Any attempts to charge or withdraw monies must be verified by directly contacting me BEFORE any approval is to be granted. All my XXXX accounts have fraud and security alerts in place to avoid fraudulent charges they continue to breach my accounts and fail to properly protect my money. In addition, my credit score has been severely affected and continues to show as a negative against me on my credit report. This account should be completely removed from my credit report, entirely.

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 2021-01-31 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Credit reporting agencies, Experian and XXXX  will not remove a negative account past the time limit as per the FCRA. Its been 7 years, 5 months since XXXX XXXX XXXX XXXX XXXX  repossessed the vehicle due to non payment. The vehicle was repossessed because I was unable to obtain affordable insurance in the State of Connecticut due to my credit score at the time. XXXX XXXX XXXX then decided to add an insurance fee I was unable to afford, the $ XXXX monthly payment became a $ XXXX monthly payment. XXXX XXXX XXXX has noted I owe XXXX balance due, when the vehicle was repossessed I had an XXXX balance. However the vehicle was auctioned off and charged off. I am being treated unfairly and the negative remark is hurting me yet again in obtaining credit or good faith with other credit lending companies.

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 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was the victim of an elaborate and involved scam on XXXX XXXX  involving XXXX and a fake XXXX email that requested I send {$900.00} through XXXX to make an original transfer go through. 

The buyer paid me on XXXX but the money never went through. He said it was because I didnt have a business account so he paid XXXX {$900.00} to upgrade my account status and said he had to to that once before too. The fake XXXX email directed me to issue a payment via XXXX so that the XXXX transaction could go through to my account. 

This was all a lie and I was conned out of my {$900.00}. He said there was a mistake and that I needed to send more, at which point I realized I was being scammed and this person was committing fraud. Because I sent the money on XXXX from my account, my bank ( chase ) said there was nothing they can do. I have screenshots and records of all the fraudulent emails from XXXX that requested that XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on monday XX/XX/21 someone accessed my XXXX  prepaid account at an atm and removed $ XXXX they did this without the use of my atm card without my pin number.nobody has my info or acess to it I do not make reckless or irresponsible on line purchases .there can be no evidence I was involved somehow. But somehow bank of america has determined without any evidence I am a thief and have made me liable for this loss .How can this be legal.

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 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
No real solution or explanation even after multiple phone calls & written communications on bank website. Only small fraction of solution after complaint at CFPB ID XXXX, I was refunded {$81.00} in XX/XX/XXXX. 
Bank still owes me {$3600.00} ( double charged interest in XX/XX/XXXX & unaccounted escrow charges since XXXX ) + {$650.00} ( interest + compensation for giving run around ) = {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
4 Months after start of Mortgage Refinance application, still in process and my perception is that the ongoing waiting and no firm closing is unfair lending practice because the requested Refi and the Mortgage Loans to be paying off are with same Mortgage Lender and while waiting for refi closing, the loans that remained un-refinanced is on me paying higher mortgage costs and the Mortgage Lender continue to collect higher interest income. 
Ongoing Refi processing and documents posting to a secure web portal is summarized below. 
Mortgage Refinance Application started on XX/XX/XXXX ; Application Package and disclosures documents posted XX/XX/XXXX ; Conditionally Approved XX/XX/XXXX ; Loan Estimates document accepted XX/XX/XXXX Valuation of Property accepted XX/XX/XXXX Phone conversation with Processor about mentioned escrow/title services will take up to 3 weeks ; Mortgage Interest float lock at 2.75 % on XX/XX/XXXX ; E-mail from Escrow Company received on XX/XX/XXXX ; Escrow Officer E-mail requested confirmation that Title to the property remains under Living Trust per the XX/XX/XXXX. 
Re-locked at 2.5 % interest rate via GSE document on XX/XX/XXXX. XXXX ; As of XX/XX/XXXX Escrow services / title services results not visible to borrower not in web portal ; My request for Refi closing without further delay sent via Secured messaging sent on XX/XX/XXXX ; Complaint sent to my XXXX XXXX on XX/XX/XXXX ; XXXX XXXX that my credit union appreciate patience while my credit union continue to work on loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander consumer usa reporting inaccurate late payments info to credit bureaus. Dates:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
Mt & t bank balance due {$620.00} someone went to the teller and cash a check to my account but the bank on XXXX XXXX in XXXX do not no who did it where the account was open in newyork my name and address was not on that check

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 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I have a decided to refinance my home mortgage and i got the offer from my current lender, TD Bank. We have started to process in XX/XX/2020 and i have submitted all the documents in one week. I have received the Conditional Closing Disclosure and i have submitted all the conditional documents as well. 

They even ordered the title on XX/XX/XXXX. Since then i have never heard from them. I have tried to reach them several times but have never received any update. They keep putting me off for 2 months. I have submitted all the documents and they approved them all in XXXX. At the end of XXXX after i tried to reach them several times, they informed me that the mortgage officers are changed and another team started to take care of my refinance application. They sent to the Underwriter again in XXXX for no reason. 

Overall it has been more than 3 months since i have submitted all the documents and i can not get any update or the closing date from them. I chosed to work with TD Bank only my current mortgage is also with them. They promised me to close my refinance in 30 days and it has been 90 days and i don't even know how long more it will take. 

It was such a shame to work with TD Bank and it's a big disappointment how they treat their loyal customers.

Company response to consumer: Closed with explanation