vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I refinanced my home to pay off credit cards. XXXX XXXX XXXX, law firm who handled my closing, mailed check # XXXX via certified mail for the pay off amount of {$4800.00}. Macy 's deposited the check but never posted the payment to my Macy 's account ending in XXXX. 

I have also faxed Macy 's a copy of the check, and the signature of the employee who signed for the check. Macy 's has been provided the bank routing #, account #, and check #. 

I opened a missing payment dispute with Macy 's, and still have not received positive resolution.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I've been with American express since XXXX I never missed a payment or was late and I dont have auto pay for last 5 years I haven't missed a payment on anything. Cc mortgage, loans etc ... 2 weeks ago I paid over XXXX on a payment to American express 2 weeks after that was over XXXX payment o balance went to XXXX used card and was denied 2 days later got an email about changes to my cc where they denied purchase and dropped my limit to XXXX was XXXX i called them ask them why and can't get straight answer so I told them cancel my card if thas how I'm gon na be treated after a superb history so they didnt XXXX na cancel card wanted me to speak to the team that deals with this so I agreed and for them to second look my accout to see why I was treat like this they want copy of my assets tax form or we do t see why they need all this 2 years had card never this wrong what they did

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: MI

Complaint narrative:
After refinancing my mortgage with XXXX XXXX, my mortgage subsequently was sold off to Arvest Central Mortgage Company. This lender is ripping off thousands of home owners with insane fee 's. As a responsible home owner I make over payments and additional monthly payments regularly. If you pay your mortgage on their website you have to pay a fee. If you pay via your banks bill pay its free but if you make an overpayment or extra payment you need to call and have it applied correctly. When you use their customer service you're charged a fee. If you send paper checks they have a history of holding the checks until they can charge late fees. This company is a nightmare and at no point in time would I have elected to do business with them. My mortgage being sold to them is at no fault of my own and now costs me money every month in fee 's to perform the same payment functions any other lender offers for free, like making regular payments via direct withdraw from checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
This complaint is about Marcus, an online savings account affiliated with Goldman Sachs. 

On XX/XX/2019, I attempted to use the banking web site to transfer money from my savings account to another financial institution. Marcus ' web site told me that the transaction was in progress and would be completed within 3 business days. 

On Monday, XX/XX/2019, I attempted to access my Marcus account online and was told by the web site that it was locked and I needed to call the company during XXXX XXXX ET to XXXX XXXX ET. 

On Tuesday, XX/XX/2019, I phoned XXXX to regain access to my account. I was placed on hold for 54 minutes while XXXX   allegedly attempted to verify my external bank accounts. My external bank accounts had been linked to XXXX months earlier and had successfully transferred hundreds of thousands of dollars to XXXX months earlier. 

During the lockout period, I was unable to look at statements or any information related to my account, which is all relayed to me electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the better business bureau and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with XXXX IS SO DIFFICULT, I feel helpless to deal with this issue and get it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-01 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: GA

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I sent letters to Equifax to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: VA

Complaint narrative:
Complaint against- Union Home Mortgage Year to date they have collected more real estate tax than the bills I have received from City treasures bill. 

In XXXX they sent a notice stating my escrow account was short. I paid over the amount stated {$900.00}. 
Then I received a notification that my monthly payment had increased because of my escrow account. My payment was automated. So the next payment was not changed. 

They held that payment as a partial payment. I tried to go online to pay but they terminated my sign on. I called and was told I could pay by phone. The person said the payment and late fee had gone through. Later I received a letter saying it didnt go through send a check. 

The XXXX payment was on time and corrected but they took the whole payment stating my escrow account. 

They then sent me a letter saying I was in default because I had made no payment for that month. 

I contacted the treasurers office for my city. They sent me a statement laying out what my tax payments are. 

My original payment with Union Home Mortgage would have paid the whole years taxes. 

To settle up they said I owed over XXXX. I paid {$7200.00}. I still receive delinquent notices. 

I was told on one call that they had to recalculate my escrow every few months. 

As an example : my XX/XX/20 statement is after the 3rd quarter tax payment of {$1200.00} My stated escrow balance is {$2200.00} XXXX XX/XX/20 ). 

Even at the new rate I received from the treasurers office my taxes will be {$5400.00} for the year. On my latest statement from Union Home Mortgage I have paid {$11000.00}. 

I have homeowners insurance with XXXX XXXX that I pay monthly. I have a yearly flood insurance that is paid upfront yearly. It is paid. 

My complaint- they have overcharged me. If there are fees they dont state them. 

They caused my credit to drop. I have over paid them and I would like a check sent to me. Not applied to principal of the loan.

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 2020-09-01 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}

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 2020-09-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a store credit card with Macys. In XX/XX/2020 they reported my account to the credit bureaus as late. I contacted them to advise them that I was affected by Covid-19 and had a temporary loss of employment. They sent me a letter stating their findings were accurate and that they could not remove the late payment status from my 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 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
At the onset of the COVID-19 crisis, I experienced financial hardship. As a result, I received a credit for {$350.00} worth of overdraft fees assessed to my checking account. On XX/XX/20, I noticed that the credit issued to me of {$350.00} was reversed. I called customer service and was transferred to the claims department. I was told the {$350.00} credit was temporary because my hardship was due to a delay in a stimulus check, which was inaccurate. I explained the situation and stated that the credit was never communicated to me as being temporary. As a result of this reversal, I also suffered a {$70.00} fee for insufficient funds. I explained to the representative that the entire amount of fees should be reversed but she stated that BOA will not reverse those fees. I asked her, repeatedly, to put me on hold and speak to her supervisor to ensure this was accurate. I warned her that taking such a stance is unreasonable, due to the pandemic and my years as a loyal customer, I would be filing a complaint with the CFPB. She finally placed me on hold for a long period of time and I eventually had to hang up. I feel as if I was purposely placed on hold for a long time so that I gave up and hung up. I find BOAs position and response to be disgraceful.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing Experian cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/2020, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with experian and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be removed.

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
The company who handles the PA XXXX payments is claiming that they are entitled to take a {$30.00} return fee if the Payment for XXXX services is returned. However, they attempt taking the payment multiple times if it's returned within a few days each time. This to me ( and others ) is a scam. This company should be shut down immediately and PA XXXX  should be forced to process payments independently. The company is also alleging that this is in the terms and conditions on the PA XXXX  website, however, these terms and conditions never mention that this company is contractually taking these payments.

Per the phone conversations with " Global Payments '', they claim that the Terms and Conditions articulate that a return fee will occur in the event that a payment is returned to them. Upon re-analyzing these Terms and Conditions, I've found that to be outright deception. 
XXXX XXXX XXXX Global Payments reversed the {$30.00} fee after I spoke with them over the phone, however, I will warn you that this company being a 3rd party company taking and initializing payment distribution is an apparent conflict of interest, so the PA XXXX  has no control in their own lottery with respect to online gaming. 

This needs to be investigated big time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've contacted Kohls regarding late payments that appear on my credit report, I received these through no fault of my own. To date I have not received not one statement on this account by mail or electronic, every time I was contacted for payment I paid via phone, but now I have 8 thirty day late on my credit reports. I have contacted kohls to no avail on this matter and I don't believe it's fair for me to have to see this on my credit report for 7 years through no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have asked 3-4 times for a copy of a rewards letter ( XXXX XXXX ) that was earned. Every time i was told it shouldn't be a problem and another team needs to investigate. Nothing has been done and the XXXX XXXX does expire

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AL

Complaint narrative:
Last Thursday I received a letter that all of my US Bank Credit Cards are closed. 

Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. 

When I called the US Bank representative I was told that my account was closed Due to the Extra Risk to the bank because of my purchases. It completely contradicts what is in the letter. 

I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them.

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 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
I wrote a letter on XX/XX/XXXX to the company to verify/valid debt but they have not written back to me. 

Per FCRA, the law states that they have 30 days to verify, if they are unable to verify the debt that is mine showing my signature, id anything that validates that it is my debt, they must delete it or I have the right to contact my state general attorney and file a complaint to the FTC & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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