vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, I would like to file a complaint against Bank of America. My name is XXXX XXXX. Last 4 digits : XXXX, Claim ID : XXXX, Reference number : XXXX The bank helped an untrustworthy merchant to steal {$6600.00} as the estimated amount for the goods and money stolen from me. The bank did not uphold its standards or reputation to assist me with my claim, allowing the merchant to sell me blatantly fraudulent merchandise which I have received verification from 3 authenticators about its false authenticity. When negotiating with the buyer, he promised to assist me with my merchandise after the initial claim ruled in my favor. I sent the money and the buyer proceeded to accuse me of not sending the money and basically leaving me with fake goods and none of my money. 

After I filed another complaint, the bank told me to send the merchant their merchandise back and provide evidence with a tracking number. I proceeded to do this and the bank closed the dispute saying that they couldn't do anything regarding my claim without any details. When I went to the bank, they informed me they closed the case and couldn't do anything, after I did what they asked to return the merchant their goods. The bank allowed the goods to be taken by a fraudulent seller and failed to further assist me with my case, even after I conformed to their demands to escalate my case which did not happen. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX NY, XXXX 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 explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I got notification that my loan servicing got transferred from " XXXX XXXX XXXX '' ( XXXX XXXX XXXX  ) to TCF Bank ( XXXXXXXX XXXX XXXX  ) Up until today - XX/XX/2021 - I haven't received any communication from TCF Bank about my new servicing account XXXX 

I've called TCF bank 2 times, on around XX/XX/2021 and on XXXX of XX/XX/2021. TCF bank representative mentioned that they have nothing on my name, ssn or account. 

Then, on XXXX of XX/XX/2021 I've called to XXXX customer service. 

They told me that my loan was transferred not to TCF bank, but to XXXX XXXX ( XXXX XXXX XXXX ) Due to some sort of error, XXXX  did not send me any information on this new transfer. Over the phone they gave me a phone number to call XXXX XXXX company - which I've attempted to use but no-one answered. 



I also haven't gotten any mail, phone or email correspondence from XXXX XXXX. XXXX also did not send me any correspondence regarding new service being XXXX XXXX and I found that information on XX/XX/2021 when I called XXXX and escalated my issue. 

At this time, I don't know who is servicing my loan. XXXX also refused to confirm if my information was actually transferred to either of the new servicing companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX  deleted lvnv funding and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I go to the plaza del caribe location on XX/XX/XXXX and XXXX to deposit {$100.00} to cover an amercan express transaction at XXXX and the branch officers told me that the branch is closed. That there is too much customers. I tried to deposit cash on the atm and the Atms told that the card dont work. The bank gives me a provisional debit card that dont work for the transactions. Today XX/XX/XXXX I have a transaction of {$15.00} for a fantasy transaction. They dont post the amex returned payment but charge the fee on the statement. I go today XX/XX/XXXX to the XXXX branch and the manager XXXX XXXX XXXX XXXX attended me, and she dont want to help me. And dont understand the problems. I asked her to fix my debit card problem and she dont want to fix the problem. I ordered her to close the account and she told me that today that is not possible. I want from today XX/XX/XXXX the account closed as my order request was denied by the branch manager. Her service was poor. I asked to give her a letter for the closure of the account and she refused saying that its dangerous clousing the account with a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Received Collection Letter on XXXX from Capio Partners, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Capio offered to SETTLE XXXX XXXX XXXX medical debt dated XXXX for {$380.00} ( 40 % off original debt of {$630.00} ). 

I immediately accepted the offer and paid the {$380.00} on XXXX via Capio 's online payment system ( {$280.00} via Personal Credit Card and {$100.00} via XXXX Visa Debit card ). 

10 months later on XXXX, I received another letter from Capio about the same debt, attempting to collect the additional {$250.00} ( {$680.00} less {$380.00} ), even though we had mutually agreed that the debt was settled for {$380.00}. 

On XXXX, I mailed a U.S. Postal Service Certified Mail Receipt letter to Capio, explaining that I do not owe this debt and that they must cease collection efforts until they provide written proof of the debt per the FDCPA. I received no such documentation. 

On XXXX, I received another collection letter from Capio, again attempting to collect the same {$250.00} that was settled in XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: MD

Complaint narrative:
For several months I have been getting mail from the fhabenefits.info company with JFQ lending on the page, I will recieve about 4-5 every 2 weeks saying the same thing. When I call I am always hassaled with them trying to get me to go with thier sales pitch. I've asked many times to please just stop mailing me. I now have multiple letters stacked up all saying the same thing and dated weeks apart. Please stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We had a mortgage through freedom mortgage and sold the property. XXXX sent the mortgage company an insurance refund on XX/XX/21. I called freedom mortgage multiple times asking them to release the funds to me within the mandated 20 business days. They finally issued a check to me 25 business days after they received the money ( XX/XX/21 ). I received and put this money into my bank account on XX/XX/21. On XX/XX/21 my bank notified me the check was bad, and i called freedom mortgage and they informed me they put a stop payment on the check and dont know why they did this. They now say they need another 10 business days to issue me another check. They had a exceeded the allowed time they are allowed to hold someone elses money by 3 weeks, which is illegal. I tried to resolve this with the company and ask them to get the money to me sooner and they said they could not.

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 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Dear XXXX Team, I have a mortgage with Citadel Servicing Corporation. 
Due to an error within Citadel, after they changed their servicing company earlier this year, I have problems with my payback contract. 
I am in daily contact with Mr XXXX XXXX from Loss Mitigation, Mr XXXX XXXX from Customer Resolution Specialist, and their collections department. 
To my surprise, I received a certified letter today saying that Citadel has tried to contact me on 3 different occasions unsuccessfully. 
This is absolutely incorrect. 
It seems that Citadel is extremely unorganized and I am scared of losing my home due to their unprofessionalism. 
Please help me resolve all my challenges with this mortgage lender. 
Thank you very much. 
With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
During the pandemic I lost my job and was put on a payment plan for the past few months. They told me that they would not report late payments if it was not 40 days past due. I made all my payments before the XXXX of the month according to my prior payment plans. They assured they do not report late payments. They reported for late payments suddenly on my account when they were marked as current before. This company is known to tamper with credit reporting.I called the company and they said my payment date suddenly changed to the seventh of the month. I asked her about my payment plan she said she no longer sees a payment plan in the system. This company is such a fraud. Ive been paying almost {$500.00} a month for a vehicle that hasnt been on the road for over a year and a half now. I am a single mom of XXXX kids and Im trying to get a mortgage approval and this is the only thing that is stopping me otherwise I had excellent credit.

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 2021-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Company sent card and bills to wrong address. Company then reported account late, even though it was their error. Once contacted they waived all late fees and we paid balance in full. Company refuses to correct late status on credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 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:
Hi KOHLS/CAPONE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX and Equifax refuse to remove incorrect personal information. Names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/2019 at XXXX XXXX PST, I signed a contract with Honda Financial using the dealership XXXX XXXX, located at XXXX XXXX XXXX, XXXX CA XXXX. I obtained the following loan and the note was executed for the following conditions : Amount financed {$36000.00} ; APR 3.90 % ; Finance Charge {$4500.00} ; Total Payments {$41000.00} ; Payment Amount XXXX. Days after the contract was executed and the transaction was signed and completed, the Honda Dealership contacted me to change the terms on my loan. I explained the terms were not favorable to what we agreed and executed on. Honda Financial through the dealership stated that they would call my note and obtain my car through repossession unless I agreed to their new conditions. In order for me to maintain my job and pay my bills, I needed transport to work and agreed reluctantly to finance the car through their higher interest rate, with the same term. On XX/XX/2019 I signed, under duress of the threat of losing my new vehicle, a new loan agreement with the following conditions was executed : Amount Financed : {$35000.00} ; APR : 6.90 % ; Finance Charge {$8000.00} ; Total Payments : {$43000.00}. Although the loan amount was lowered, the total payments back due to the higher interest exceeded the original agreement by {$2000.00}. With the price adjustment and the higher rate, I ended up paying an additional {$670.00} with this agreement. I also experienced financial duress under the change that I was forced into. My payment amount increased from {$600.00} to {$570.00}, thus impacting my monthly financial obligations. In addition, Honda Financial 's actions caused my overall DTI to increase, potentially prohibiting additional lending actions from other lenders. The actions that Honda Financial Services and XXXX XXXX present a pattern of consumer harm and lack of compliance with regulatory standards. Honda financial and XXXX XXXX preyed on a consumer by altering loan terms and threatening my livelihood. I have supporting documentation to evidence this ( executed loan notes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It submitted a dispute letter to Equifax asking for verification of account. It has now been pass 30 days and Equifax hasn't neglected to abide by FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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:
Upon checking my report, I noticed Equifax still reporting in inaccurate information. The following accounts are fraudulent. Equifax is the reporting agency who keeps saying its verified. How can Equifax verify a fraudulent account. 

1. XXXX XXXX ( XXXXXXXX XXXX ) {$350.00} Ive never done business with this company or entered into a signed contract. Its fraudulent!! 
2. XXXX XXXXXXXX ( XXXX ) Ive never done business with this company or entered into a signed contract. It Fraudulent!! 


Please See Attached Ftc Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has completely lost my credit file. I was a victim of the data breach in XXXX. Since XXXX of XXXX Lenders are unable to access my report neither am I. I have been trying for 8 months to get this issue fixed. It has become a major burden as I am now trying to gain approval for homes, cars etc.. I have a credit score of XXXX but equifax has no record of it when I try to pull my report on XXXX XXXX XXXX I am also not able to create an account on their website either as it gives me an error when trying to get my report as if I dont exist. I have spoke with them more than 10 times about this and each time I am told the IT department will reach out to me but I am never contacted. I need my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I got a text about my coinbase account, fely suspicios so I called coinbase and locked out my account.Since then I requested help to get back into my account from there support team.I have got responses that they would get in touch within 4-6 days yet nothing.They gave me a case number to refer to, I have wrote them approximately 20-25 times, yet have not received any help.Ive wrote them on coinbase, XXXX, XXXX, etc asking to please help as I have a large amount of money in the coinbase exchange.I contacted the sec which said I should also contact you guys.Not sure what I need to do in order to get a response and some help from coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My fiance and I travelled to XXXX. While there, we were approached by a gentleman who gave us tickets to a " celebration. '' We later discovered, it was not a celebration, but rather a sales pitch to purchase a luxury vacation package. The pitch started around XXXX XXXX  at night and lasted through XXXX XXXX. We were told that if we bought into this special VIP luxury package, we could book luxury hotels and/or villas for a week at prices beginning at {$240.00} to {$3900.00}. The initial cost was {$26000.00}. My fiance said, " Never in a thousand years. '' Finally, they negotiated down to {$6000.00}. We agreed. I paid {$4000.00} and my fiance paid {$2000.00}. 

This was on XX/XX/2021, at around XXXX. On XX/XX/XXXX, they picked us up from our hotel to explain what we purchased and to sign the contract/Agreement. Before we signed, we went through the entire process, from start to end. We acted as though we were purchasing a week in the hotel where we were signing the Agreement. We were told, " {$2900.00} for the week. '' So we signed and agreed. 

We arrived back to the US on XX/XX/XXXX and on XX/XX/XXXX, my fiance attempted to book the hotel we had just simulated in XXXX with the company. It took over a week before we could finally get any answers. When we did get an answer and a quote, it was {$77000.00}! Luckily, since they were taking so long in getting back with my fiance, my fiance cancelled the package on XX/XX/2021 -- within the 4 day cancellation policy. 

I have tried to dispute the charges with my bank BB & T, but they are refusing to refund the money. My fiance 's bank, XXXX XXXX, has refunded his payment. We have received nothing from this company -- absolutely nothing. They are a scam company who has scammed us out of our money. They now are saying that the prices that were quoted to us during the presentation are for " service fees '' and that we are still required to pay the full price for the hotel and/or villas. This is NOT what they told us or showed us through the simulation. We were also supposed to be given a XXXX account within 8-12 weeks. We were never given that. We have nothing. Nothing at all. The bank BB & T must refund the money paid.

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 2021-08-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity XXXX should be removed by the company for account ending XXXX. 

Report was to be fully removed, not Legally paid in full for less than the full balance. The false reporting has gone on too long and should be removed. I was told it would be completely removed years ago and is still not being reported correctly. It is almost 6 years old and still lingering. Please have removed as it was promised 5+ years back.

Company response to consumer: Closed with explanation