vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Originally filed a complaint in XX/XX/XXXX regarding same issue. 

Just contacted by XXXX XXXX XXXX XXXX XXXX that my payment is past due ( XX/XX/XXXX ). The check # XXXX for {$50.00} has not cleared. I have been assessed a late fee of {$25.00}. 

To date I have incurred {$120.00} in late fees ( XXXX XXXX  and XXXX XXXX ) due to 53rd Bank 's Bill Pay Vendor using paper checks and not electronic. Also, received cancellation notice from XXXX XXXX XXXX for non payment ( paper check ). Due date was XX/XX/XXXX, paper check dated XX/XX/XXXX, XX/XX/XXXX no payment to XXXX XXXX XXXX so cancellation notice sent to us and lien holder. 

53rd Bank Bill Pay Vendor is late again in processing my bill payments. The vendor continues to submit paper checks in lieu of electronic payments. 

My bill payments are schedule more than 5 days in advance of due date but yet still the paper checks are not clearing by due date thus I am incurring late fees and additional risks of my credit history being jeopardized. 

Recently, 2 of my bill payments via paper check took 10 days to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
WE HAVE HAD OUR PROPERTY TAXES DEFERRED BECAUSE WE ARE BOTH OVER XXXX YEARS OLD. 

NEW REZ SUDDENLY PAID OUR BALANCE WITH XXXX COUNTY TAX ASSESSOR, AND HAS INCREASED OUR HOUSE PAYMENT BY {$700.00}. 

NEW REZ LOAN NUMBER IS XXXX. 

WE HAVE SENT THEM LETTERS FROM THE TAX ASSESSOR TWICE AND CALLED THEM AS WELL AND THEY ARE BEING NON RESPONSIVE. 

MY HUSBAND NEEDS CONSTANT XXXX XXXX  AND THE FINANCIAL STRAIN OF THIS SUDDEN NEW EXPENSE HAS BEEN TERRIBLE. 

WE NEED THEM TO REVERSE PAYMENT TO XXXX COUNTY SO THAT WE CAN GO BACK TO HAVING THE TAXES DEFERRED UNTIL WE SELL OUR HOUSE.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an email XX/XX/XXXX saying my account had been suspended. I didnt see the email until XXXX, and hadnt used my card in a few weeks so I didnt know what had happened until XXXX. This is the email I received : Hi ****** *******, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call Account Protection Services at XXXX-XXXX-XXXX-XXXX. 

Thanks, The XXXX Team I called Customer Service, but they werent much help. She could only tell me my account was suspended and that I had to WRITE to Bluebird to take care of this. I sent a letter but I havent heard anything back. My family and I ended up getting XXXX with XXXX  in XXXX and I had totally forgotten about this. I checked to see if my account had been reopened or if I could access my balance, but everything is still locked up. I would just like my account to be reopened!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2020 I was assisted by XXXX XXXX at Chase Bank in XXXX XXXX FL with a wire transfer of {$20000.00} from my saving account to my mother 's bank account in USD currency at XXXX XXXX in XXXX. I said twice to Miss XXXX that the funds are have to remain in USD currency and that the recipient account is in USD currency. Transaction number ( contact id ) : XXXX, Confirmation Code? chase wire tracking number : XXXX. On XXXX XXXX {$19000.00} were available to my mother. I arrived in XXXX, XXXX on XX/XX/XXXX and went to XXXX XXXX and was told that the funds were sent from chase bank to arrive in XXXX  ( XXXX XXXX XXXX ). And because of that the funds when to Invest bank, before they reached they destination at XXXX XXXX. So invest bank converted the funds back into USD because the recipient account is in USD. So, mu funds were converted 2 times and I never asked for that to happen. Because of the current conversion rate of that specific date {$730.00} are missing. I expect Chase bank to provide those {$730.00} to my savings account in order to fix the mistake that XXXX XXXX have done which have caused me a tremendous frustration over the past few weeks. 
My email is : XXXX My Bulgarian phone number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 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:
XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.

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 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have written mutiple times to XXXX XXXX, Transunion, and XXXX  in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general

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 2020-10-09 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: PA

Complaint narrative:
i have written mutiple times to XXXX XXXX, XXXX, and equifax in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Accounts are not mine and are reported incorrectly on 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
Consumer complaint received 2020-10-09 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: GA

Complaint narrative:
Company verified they received my later on XXXX. Since that time I have phoned several times in regards to XXXX XXXX   accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. 8.15.17 The Manager SPAR states the company does not have this information in there records, the manager requested I  contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence 73 AM Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be  removed, this is no contract between the companies and myself.

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 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on 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
Consumer complaint received 2020-10-09 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:
Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on 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
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SIRVA WORLDWIDE INC.
State: CA

Complaint narrative:
Our first mortgage payment was due on XX/XX/2020 in the amount of {$3700.00}. That payment was made by check to SIRVA Mortgage because our online account had not been set up. Every  mortgage payment starting XX/XX/XXXX in that amount until now has been made online and on time. The mortgage company has seem to have misplaced our first payment and they are calling trying to collect on an up to date account. On several occasions proof of payment has been sent with the first email being sent on XX/XX/2020. This proof includes the cancelled check. Another email was sent on XX/XX/2020 and all other contact by phone or emails sent by my husband pretty much every month. We are receiving calls and emails notifying of late payments. We have even trying to escalate through customer service only to receive verbal and mailed letters stating that they are " researching '' or they need more information such as proof of the payment clearing the bank. Proof of all payments have been sent several times with no resolution. We are at our wits end and do not know what else to do to get his issue resolved and feel we were left with no other choice but to submit a complaint to get this issue resolved that has taken almost six months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: AL

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-10-09 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: AL

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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:
Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.

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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I attempted to log onto my online Bank of America account and said my account was locked. I called and they stated they had close the account due to investigation and that the account is closed. The rep also stated they no longer want me as a customer. They did not explain why or even reason for the investigation. I have been with this bank since 2014. I find it very unprofessional why they can not even give me a reason.

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 2020-10-09 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express recovery - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and Express recovery put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.

Company response to consumer: Closed with explanation