vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America has had a loan on a property of mine in Nebraska. I purchased a home for my sister to live in. The loan was with Country wide for years and then was moved to BOA when they purchased the company. A few months ago I received a notice that my payment was late. After looking into it I noticed that the payment amount had changed due to my escrow but because the statment didn't look any different I missed that it had changed. I called BOA and talk with a lady about it and we agreed that I would make the payment difference on my next payment because I was going to make it in the next couple days. I did that and when BOA got the payment they put the funds in unapplied funds and did not put it on the loan as the rep had told me that she would. When I made the next payment they reversed the payment and have done so every time that I have made a payment. I am trying to do a refinance on the loan and the bank is showing me late so the credit union that is redoing the loan is now wanting to not do the loan because I am showing that I am late when I am not. I have called BOA now 8 times and have spent an hour each time. The reps from BOA have admited that they had a system change and they are 90 day behind in processing all of thier customers corrections. My loan number is XXXX, I should show a payment was due on XX/XX/2020 but with the three payments backed of my app and the OLB shows me due for XX/XX/2020. I have received overnighted materials to apply for payment plans and received emails & Calls from debt collectors on this. Wy refinance of this loan was suposed to closeon Friday the XXXX and my credit union now may decline the loan. I am concerned that BOA is up to its old tricks and is not applying payments for some reason and keeping it a secret for some financial gain.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After receiving multiple pre-approval offers to open a Capital One SAVOUR One card, I decided to apply for the card. Both the pre-approval offers I received in the mail and web page for the exact Capital One credit card for which I applied promised a sign-up bonus of {$150.00} if I spent {$500.00} within the first 3 months of spending ( this bonus has now been increased to {$200.00} ). I have another credit card with capital one, and yet, they still sent me this offer. I applied for the card and spent the money required to receive the bonus. However, upon calling Capital One to see why the bonus was not applied I was told that it didnt apply because if you upgrade your card, it doesnt apply. 

I told the customer representative that this didnt make any sense. I NEVER requested to upgrade my ( no fee ) SAVOUR One card to a SAVOUR card ( with a {$95.00} annual fee ). My card was opened as a SAVOUR One card and still should be. I should not be ineligible for the sign-up bonus because of an upgraded card when my card was NEVER UPGRADED. 

I was then told by a representative that I was correct and that my card was never upgraded, however, I was still ineligible for the bonus because I have another Capital One card. Capital One NEVER used language in their promotional material that made it clear to applicants that if you already have a capital one card that you will be ineligible for the bonus. Their promotional material says that the bonus is open to new card members. They never differentiated between new to Capital One Cards and new to a specific Capital One Card. 

To the average person, if I dont have X card, then I am not a card member in the context of applying for X card. If I apply for X card and am approved, I will then become a new ( X ) card member. It doesnt matter if I already have Y card. It doesnt matter if both the X card and the Y card are owned by the same company. If the company wanted to relay to customers that they wouldnt be eligible for a sign up bonus if they already have another one of the companys cards, they would say that the offer is only open to new COMPANY NAME card members. 

Capital One should have been upfront in saying that the sign-up bonus was open to new CAPITAL ONE card holders only. Instead, they capitalized on ambiguity and sent promotional material to existing capital one card holders KNOWING that those people might unwittingly apply for a card based on promises that would not be fulfilled. It is unscrupulous, and thus, I am making a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX -filed a fraud claim on my EDD pre-paid debit card, caused someone was withdrawing money on my card in New York . I live in California. My card has not been out of my possession. I noticed my card was suspended. did not know why. I discovered all my money, {$5500.00} was no longer available in my account. I immediately filed a claim XXXX acct ending XXXX on XX/XX/XXXX. I was informed a new card would be mailed with the funds added back to the card. When I received the card, funds were not added back. I then received a letter dtd XX/XX/XXXX, envelope postmarked XX/XX/XXXX that indicates my case is closed. On XX/XX/XXXX, I called after on hold for six hours, I spoke with a representative, I believe her name was XXXX in the claims department. She indicated the case was closed due to an internal error. She also indicated they have been having trouble with the third-party handling fraud claims. XXXX reopened my case, did not provide a new case number. She indicated funds should be back on card while they continue the investigation by no later than the end of week, which would have been XX/XX/XXXX. I was told I needed to wait 10 days. Is that 10 days starting from when I initially filed the claim or when I called back XX/XX/XXXX and was informed funds should've added back by XX/XX/XXXX. Today, XX/XX/XXXX, and funds are still not on my account. I called the designated toll-free number, after waiting two hours on hold, the line dropped. How frustrating. This is a violation of Regulation E. I need my funds added back to my account. I am without money to pay my bills. I am incurring overdraft charges on my bank account and late fees. If an affidavit is needed, I have not received any communication from Bank of America about the claim. Again, I am requesting the {$5500.00} to be returned immediately.

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 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've disputed this debt with this company. They fail to send proper validation along with their authority to collect required by the fdcpa. I have sent a letter and I recieved a statement that shows a balance owed. This statement can belong to anyone as far as I am concerned. The statement also deceptively shows my address and not the address that was with the creditor. I know that no billing statements were sent to me for a fact. Ive never owned an account with this company. This is a violation of under the fdcpa. Collection agencies are not allowed to send or withhold information to deceive or mislead consumers. They have also failed to disclose the previous creditors who have also owned the debt which is another violation under the fdcpa..I have not recieved anything that shows this account belongs to me for that matter. I have requested documentation and company refuses to provide it. Yet this invalidated information is still reporting on my credit report. That is also a violation of the fair credit reporting act. Providing the agencies with unverified and false information. This company is very deceptive in their practice and needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: OR

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-02 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I opened this Barclays credit card, used it and paid it in full with a XXXX balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete Barclay 's erroneous reporting.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX Received a statement from Comenity-XXXX, promotional balance deferred interest issue. Retailer applied a statement due that that is different than the promotional end date ( last statement due XXXX and promotional end date, XXXX ), making the consumer to have to pay additional interest of {$850.00} at an interest rate of 29.99 %. Interest calculation is very disingenuous and predatory. Having to make this additional payment for interest that is supposed to be 0 % promotional after all payments were made on time and in full within the due date of the statement is totally a sham or very devious. Retailer is unwilling to correct this issue or provide a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: ID

Complaint narrative:
I refinanced my mortgage through New American Funding in XXXX. At that time, my payment was set up for monthly autopay with funds being withdrawn on the XXXX of each month. 

This past XXXX, the payment was generated two days early - on the XXXX, which then put my account into overdraft. 

I called New American Funding on the XXXX to find out why the funds were pulled two days early. The customer service representative told me I would need to submit my question online and to include proof of the withdrawal. I sent an email to " XXXX '' and included a screen print of my checking account showing the early date the funds were pulled, and my account with a negative balance. That amount would have been higher had I not transferred funds from another account. 

New American Funding 's response : Thank you for your inquiry. Normally the transaction would not take place until the scheduled time and we are not sure why they tried to take it on the XXXX of XXXX. We have you set up for the XXXX every month. 

We have received your bank information and forwarded it to our Cash department for review. Please allow them until the XXXX of XXXX to complete their review and provide us with an update. 

I received no reply, so I sent another email on XX/XX/XXXX asking them to provide me with the findings from their cash departments review. I had hoped to have an answer by now. 

New American Funding 's response : Thank you for your attention to this matter. 

We have submitted a follow-up request to our Cashiering Department to research why the XX/XX/XXXX ACH debit was processed and cashed prior to the scheduled debit date. An update on this research will be available by XX/XX/XXXX. 

Once again, no reply. 

This has me very concerned. I authorized my payment to be set up for autopay to make it simpler for both New American Funding and for me. But pulling the funds prior to the date we had agreed upon is not right. Is it even legal? Will it happen again?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}

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 2020-11-02 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: FL

Complaint narrative:
Equifax Credit Reporting Agency XXXX. XXXX  XXXX XXXX, Georgia XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



USDOE/XXXX  {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}

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 2020-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Work at a dealership in XXXX XXXX, Ny, was living in XXXX at a time and moved to XXXX, Ny. Due to covid-19, XX/XX/2020, all my checks for the peroid was sent to my old address by mistake by the office and was deposit by unknown person from the old address. It's been months and i have not heard anything from anyone.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello ; I hope you can intervene and expedite assistance in a matter I'm experiencing with my Citi Double Cash card. I've made 9 total attempts to resolve a fraud dispute directly with Citi and they've not fulfilled the totality of my request. There were 5 fraudulent charges placed by XXXX in XX/XX/2020. So far, only three of the charges have been placed under investigation. I began pursuit of a resolution on XX/XX/XXXX and have been regularly assured I will see all of the charges under investigation within 3-5 business days. I'm now on day 35 of trying to resolve. I am including statements, logs of my attempts and transcripts of the issue. Please let me know if there's anything else I can provide. Thanks for your help! XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off my credit report.

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