vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The first correspondence by mail I received from Kohl 's was an account delinquency notification. I promptly went to my local Kohl 's where a store manager helped me contact corporate. Together, we determined that there was a keystroke error on the cashier 's part when the account was initially opened. As a result of that error, I was not receiving monthly bills. At the conclusion of the phone conversation, I paid my balance and the account was closed. I expressed my concern about this confusion showing up on my credit report and was assured that it would not. Fast forward three years when in an effort to take advantage of lower interest rates, I apply for a loan to refinance my mortgage. My credit report states that I have a Derogatory Account : Kohl's/Capital One. I did not know that Kohl 's had not withdrawn their claim at the conclusion of the investigation. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was on the website Im a victim of identity theft so I expected this to happen everytime I apply for a bank account they always require me to send extra verification to verify my identity because the system automatically declined me Berkshire bank I received a notice of adverse action letter but I dont have anything wrong on checystems no debts to other banks and the reasons on the letter didnt make sense

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2020 I had my mortgage company complete a hard pull to get me approved for a house. All my reports except Equifax came back with my score and information. My lender said I can not get approved until my Equifax report is unlocked. I called Equifax that same day and spoke with two agents who told me that my report has no lock, freeze or fraud alert in place that would prevent my report from being pulled. I explained that is not possible because the message the lender is getting is " Report not available ''. Due to this issue, I can not get approved for a mortgage. The lender says I have a score and report and I can see this myself when I log on to myEquifax website but the report won't be released to the lender. I am asking for this to be corrected permanently so I can use my credit as normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to remove a credit freeze from Experian. My creditor needs the information however there is no process that allows me to do that in a reasonable time. I can place a freeze immeidately online or by phone, but can not remove it except my mail and they state it will take 10 days. This is unacceptable. 

They have an online form but the security questions they ask before submitting are garbled and the answers are cutoff so it is impossible to tell what the correct answers are. This is ironic because they verify my identity to log in to my account with them where i have access to more sensitive information than blocking or blocking a credit freeze. 

There is no one to reach by phone, email, or chat box in order to help with my situation. The only repose I get from Experian is to pay for a subscription. 

This is damaging my ability to remain in business if I can not get the credit freeze lifted in a reasonable time. Can someone help with this issue?

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 2020-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
Good Morning I apply foe a personal loan on XX/XX/220. The company stated that I was approved for the loan. I would to apply for the loan. I removed my security freeze from my credit report and went through the process. I was declined. I would have never apply for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is interfering in acquiring annual credit reports, dispute process and refusing to use accurate identifiers for verifications of Identity. barring me from those normal processes. 

I have displayed repeated patients to understand their security processes only to be rudely hung up on when calling their Customer Service Line.  Respectfully on XX/XX/2020,XXXX. 

Denying me the right to dispute or challenge entries to improve ( increase ) my credit score under my review and maintenance keeping my information up to date and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I have mailed several letters to collection agent and credit bureaus asking to validated and no response. I requested deletions due to no validation or response after 30 days has pass but b there still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I went to the merchant about unexplained charges on my account, they then told me to needed to file a dispute with my bank so I did. The dispute charges was denied and reversed from my account, and of course Im livid because I didnt authorize these charges. When unexpected charges or any suspicious, I signed up for text alerts. One time they did it, I said no, it was not me attempting to use my card and they still let the charge go through. I filed for the amounts of : XXXX, XXXX, XXXX, XXXX, XXXX. I want my funds back into my account immediately! Ive heard and saw negative things about how easy someone can just use your card and the customer have to suffer!

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 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
Northstar location Services have called me several times over the last month. 
On the first call i requested they not call between XXXX-XXXX  EST for I am at work. They stated they would not call and said they are open till XXXX. 
Several days later I receive a call in afternoon while i am in a meeting with my BOSS! 
He was not pleased to have my phone ringing during our meeting! I called back and again requested they not call me between XXXX-XXXX  and again they stated they are open till XXXX and i said i would try to call back after work. 
Now today XX/XX/25 at approximately XXXX EST i received yet another call while in a meeting with my boss. With whats going on in the world right now and people getting laid off I can not afford to have collection calls during work hours. 
I called back and informed they this is the third time you called while i was at work. The gentlemen stated he can not stop collection efforts, and i mentioned that you cant call during work hours at my request. He simply stated that -well it looks like you keep saying youre going to call back but you never do. It seems like you don't intend to pay. We have options to resolve this debt before we escalate this further!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I opened a Checking account online with TD Bank and setup my username/password and full credentials to access the account. 

To fund my account, I linked my XXXX Checking account to the TD Bank Account on XX/XX/2020 and successfully sent an ACH Transfer to my TD Bank Account in the amount of {$2500.00}. 

On XX/XX/2020, I was no longer able to access my account online and have been instructed to visit a branch location to resolve my issue. 

I attempted to reverse the ACH from my XXXX   Checking Account to TD Bank for the amount of {$2300.00} on XX/XX/XXXX and the transfer was successful. Since then, TD Bank issued a debit to my account to my account and has withdrawn the money without my consent. 

I am currently in XXXX XXXX, CA and not able to visit any branch location to resolve this issue due to strict travel restrictions in California. I will not be able to return to Maryland until XX/XX/2020. 

I would like all my funds ( {$2500.00} ) returned to my XXXX checking and to close this checking account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
As of today, XX/XX/XXXX, I have called JCP Credit customer service to find out why I have not received a XX/XX/XXXX statement. I was told a statement was mailed to me. I receive paperless statements, XXXX and XX/XX/XXXX included. I advised I do not understand how nothing was sent for XXXX. I requested a supervisor and she stated that because XXXX and XXXX payments were not paid on time, they decreased my credit limit without notifying me for the exact amount of the {$300.00} payment I made on XX/XX/XXXX. My original credit limit was XXXX. I discovered after reviewing my account that it was decreased to XXXX. The difference is {$300.00}, the same amount I paid to make the account current on XX/XX/XXXX. I also made an additional {$50.00} on XX/XX/XXXX. I do not understand why I was not notified of the credit limit decrease. I was told by the rep it was because I missed 2 payments. Does not make sense to me. Prior to, my payment history was perfect. I requested to have my account set back to the original XXXX credit limit and I was told I need to apply for the credit limit. I stated that is unacceptable. How were they able to decrease my credit limit by the exact amount I chose to pay.

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 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Good morning. My name is XXXX XXXX and my phone # is XXXX. 
I have tried to unsuccessfully to reach my mortgage company since I have been out of work due to my state being shut down. I wanted to discuss options for some kind of temporary relief since I no longer have employment income. The phones are impossible and I was disconnected after holding for 59 minutes. This was my third attempt. I'm not sure if they hung up or my phone dropped the call. Their website has an option to submit a request for relief, but nothing works. There are tabs for forms to be completed but none of them work. They redirect you to the home page. Same result when I click on the tab to upload documents like bank statements. The only function that works is to look up statements and make payments. This company has made it impossible to reach them and to complete the necessary forms for relief. I am convinced that they're purposely avoiding their responsibility to the customers by setting up a system that does not work. My mortgage company is NewRez but seem to have a DBA of Shellpoint Partners. Phone - XXXX. Their address is XXXX XXXX XXXX XXXX Oh XXXX. Thank you in advance for your help. Have a great day and be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was called by Citi bank yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/2020 was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/20 on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
have been having ongoing issues with my Experian credit score since XXXX of 2020. I have contacted the customer service team multiple times in XXXX of 2020 and XXXX of 2020, my latest interaction was on XXXX XXXX and I was giving different response on how to handle the situation and it has yet to be resolved after I have done everything possible on a consumer level. My credit score has not been updated, although there has been several changes in my credit since then like my credit card utilization has decreased, my car note payment has decreased and collections have been removed but still showing on my Experian credit and no one can answer why its not updating. I have mailed copies of my social security card, drivers license, bank statement etc and Im still stuck with being told they dont know why its not updating and not sure when it will.

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 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I opened a checking account at Bank of America with a {$100.00} promotion that read : " Requirements to Receive the {$100.00} Online Only Offer bonus : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive two Qualifying Direct Deposits of {$250.00} or more each to your new personal checking account within ninety ( 90 ) days of account opening. A Qualifying Direct Deposit is a recurring direct deposit of regular monthly income - such as your salary, pension or Social Security benefit or other eligible regular monthly income, electronically deposited by an employer or other payer into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, or Merrill account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income.After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. The new personal checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. " I fulfilled the obligations to meet the promotion and Bank of America refused to pay the promotion, citing that I had received the promotion on a separate account in the past. I appealed that decision because the fine print did not read that the offer was for first time customers only, or that the offer was one per lifetime. Bank of America has since changed the language for their promotion to account for this. Regardless, they refused to pay the promotion even though when I opened the account, the promotion read as above. This raises serious UDAAP concerns and other Compliance implications. Additionally it speaks to the culture at Bank of America.

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