vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for assistance mortgage modification again with Bank of America on loan number XXXX and was lead to believe that loan would be modified due increase in Taxes and escrow payments and also other factors such as the loss of income, hurricane impact, illness in my family and XXXX loss of income.Representative also stated modification will include the month of XX/XX/2020 and XX/XX/2020 once modified I was also told total that I could not process a request for XXXX deferral in XX/XX/2020 at the same time and should wait for Modification Request to be completed. As of XX/XX/2020 Bank of America as just sent me a letter stating that I was only approve for Short Sale. As of XX/XX/2020 when applying for COVID19 again online at Bank of America for COVID19 Mortgage Deferral the online application stated can not process due the status of the loan. 

Please assist me with Bank of America also accepting my request for Mortgage number XXXX COVID19 Deferral Forbearance application. 

I am also authorization Bank of America and Consumer Protection Rep to speak to my wife XXXX XXXX regarding my application for COVID19 and modification request of my mortgage loan. My wife maybe contacted at 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 2020-04-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
After being the victim of identity theft, a police investigation determined that much of the damaged that occurred was due to " exceptionally negligent actions by Citibank and a refusal to temporarily freeze account. This allowed the perpetrator to commit transactions exceeding far beyond the credit limit. '' These words were taken right from the police report which Citibank received but refuses to acknowledge it was received. My attorney has proof. 

I have a letter from Citibank stating it was an error on their part, they waited months to address this, and were removing fraudulent charges from the account, opening the account, and restoring all privileges including XXXX pay etc.

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 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
We were effected by XXXX XXXX and my wife was laid off. We called several creditors to get payments deferred. When we called Westlake Financial they said they would submit the request and we would get a reponse in writing. When we got the letter it said we were approved for one months deferment for XX/XX/XXXX. However, the letter said we would be assessed additional interest and a balloon payment at the end of the contract in XXXX. When we called XX/XX/XXXX and got Rep XXXX and asked what does this mean. He explained the unpaid balance will accrue interest of {$7.00} a day until the end of the contract in XX/XX/XXXX. I was furious I did the short math and saw that balloon payment would be approximately {$2500.00} a year for 4 years which is well over an additional {$10000.00}!!! Our original loan was only {$11000.00} and explained we wanted this deferment request cancelled as this is a rip off and can not be legal. The rep XXXX response was sorry it's already been approved it can't be reversed. I explained to him they can not take advantage of people like this and charge more for asking for a deferment. I also explained I would be having this aired on the local news and complaints filed with yourself, the Attorney General and the XXXX of their county.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am attaching a document that has screen images and describes my three complaints. 

Complains 1 deals with an erroneous charge showed up on my account statement from Synchrony Bank this month. Syncrhony refuses to accept my request to dispute the charge. My only option according to their customer service representative is to report it as a fraudulent charge. I believe the charge is an error by Synchrony. I called Amazon.com and spoke with a customer service representative and they have no such transaction in their records. 

Complaint 2 deals with Syncrhony not providing on the statements a way to reference charges for Amazon purchases. They provide an erroneous transaction type of number that is not available in the Amazon system - at least to customers. Sometimes transactions/orders are split up and this can make it impossible to verify amounts. Indeed, had this type of system been available for this current dispute it would have provided a tool to try to understand what happened. 

Complaint 3 deals with the fact that Synchrony has its chat option activated but it is clearly unavailable. I understand this because of the pandemic, but what is unacceptable is that it still forces customers to go through a number of steps only to find this out.

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 2020-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: PA

Complaint narrative:
Property was subdivided in XXXX. We bought property in XX/XX/XXXX. Per county policy, tax map # is not updated until property sold.. When we received first tax statement reflecting new tax map #, CMG financial ( mortgage company ) was advised. They continue to pay taxes on wrong tax map # and I am receiving delinquent notices. They have been contacted several times over this matter. My tax collector spoke with them in XXXX XXXX and they promised it would be corrected. In addition, because of this error, they have increased my mortgage payment. They refuse to correct this! 

my tax map # is XXXX they are paying on XXXX Mortgage payment should be {$1000.00} They increased to {$1000.00} because they are paying neighbors taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I opened a XXXX account in XXXX thats is still NOT being reported on my Experian and XXXX Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I opened a XXXX account in XXXX thats is still NOT being reported on my XXXX and Equifax Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Im XXXX years old and my wife is XXXX. Weve had a Citibank MasterCard/XXXX XXXX card ending in XXXX since XXXX and have XXXX XXXX XXXX Frequent Flyer miles accumulated under this card. For 25 years Ive paid my bill in full every month. In XX/XX/XXXX I requested the card be replaced due to fraudulent charges. I have attached additional information regarding these charges. Im contacting the Consumer Financial Protection Bureau because of the total lack of responsible response from Citibank Corporation. 
Once I discovered the charges I went online, disputed the charges, and phoned the bank to have the card replaced. I was told Id receive a replacement card within a week. I did not receive a card, but a notice advising that my request for a new card was denied. I called a 2nd time and was again told the card would be replaced, then received the denied notice. I called a 3rd time and was told the reason why I have not received a card was because the bank had our wrong address. Interesting, Ive been receiving their bills for 25 years. I called a 4th time and after being told a card would be sent, I advised what occurred after my past 3 calls and asked what would be done different to assume the card would be approved and mailed. I was then told the card approval shows its pending. 
Going online I see after my initial call a card ending - XXXX was issued. After my 2nd call a card ending in - XXXX was issue. But neither card was mailed and both cards show the accounts are permanently closed. There is no pending account.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a TD Bank " home inspiration '' credit card that I make flat monthly payments on for a furniture purchase - the account was opened in approximately XX/XX/XXXX. My monthly payment is {$94.00}, and I have paid it every month without fail. However, I was assessed a late fee in XX/XX/XXXX and then, when I didn't pay that, another one.I found this out when received a letter from a collection department at TD Bank in approximately XX/XX/XXXX. I had been locked out of my online account and was simply paying the {$94.00} monthly installment. After I received the letter, I found out when I contacted customer service on XX/XX/XXXX that this was allegedly because I made my XX/XX/XXXX payment " too early '' so it was credited to XX/XX/XXXX. When I pressed, the agent, she was unable to clearly answer what date was " too early, '' but told me they would waive the original late fee. I asked for the subsequent one to be waived as well and, after speaking with a supervisor, she said she could do that. She advised me to pay the {$94.00} that was still showing as outstanding ( since the installment payment I had made went to principal ), and I agreed to do that right away, and made a payment on my TD account website that night. When I checked my account again a couple of days later, it still showed that I owed {$62.00}. I sent a message on XX/XX/XXXX through the TD account website, and received a message back saying that a {$38.00} late fee was being reversed for me as a one-time courtesy and that I should allow one billing cycle for it to show. I was concerned that I was going to be assessed yet another late fee so, on XX/XX/XXXX, I made a payment of {$62.00} to try to XXXX out whatever was going on with the account. I then also made my usual {$94.00} installment payment on XX/XX/XXXX. However, when I looked at my account today, I have been assessed two more late fees - one on XX/XX/XXXX, and one on XX/XX/XXXX, both for {$38.00}. At this point, I have made not only an extra {$94.00} payment, but have also paid {$62.00} in late fees that should NEVER have been assessed, since the only thing I ever did " wrong '' was make a payment too soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I CANT DISPUTE THIS ITEM WITH THE CREDIT BEAUREU. TRASUNION AND 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 2020-04-15 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: IL

Complaint narrative:
XX/XX/XXXX / amount $ XXXX/XX/XX/XXXX amount {$1500.00} filed ftc report and police 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 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I rented a home from XXXX XXXX. After renting this home from a licensed real estate broker, I learned that the homeowner had not paid their association dues in years. My family and I were unable to use any of the amenities advertised with the rental of the home. We also started to receive bank notices from XXXX XXXX, that we did not open, in the homeowners name signaling that they were not paying the mortgage either. Several key appliances for the home broke and the homeowner would not fix them. In XXXX, XXXX XXXX dropped this homeowner for cause and left me stuck to try and negotiate with the homeowner that XXXX XXXX  's owner XXXX XXXX, had told me were impossible to deal with. 
At this time more appliances broke and the air conditioner leaked into the home causing black mold to appear. The homeowner once again would not fix appliance or the air conditioning unit or the mold. I sought legal council. He informed me I had no lease and should move which I did. 
5 months after vacating the home and returning the key I received a collection notice from Financial Accounts Services Team, INC that XXXX XXXX was trying to collect {$9300.00} from me. I immediately contacted XXXX XXXX and he told me " OK. You can just pay collections when you want it removed from your credit report. '' He also told me he had an eviction. If he has done this it is an illegal eviction in Tennessee. I have no idea if this is true as I was never served and did not live or have keys to the residence. This home has been in their possession for 6 months and has been listed for sale. I immediately faxed proof that XXXX XXXX had broken the lease, that I had moved and the debt was not a valid claim on XX/XX/2020. I stated not to contact me again. On XX/XX/2020 at XXXX XXXX EST, I was called on my cell phone by Financial Accounts Services Team, INC. The lady was rude and abusive. I told her I had sent the fax and she said they would continue to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-15 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: IL

Complaint narrative:
XX/XX/XXXX / amount $ XXXX/XX/XX/XXXXamount {$1500.00} filed ftc report and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: IL

Complaint narrative:
XX/XX/XXXX / amount $ XXXX/XX/XX/XXXXamount {$1500.00} filed ftc report and police 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 2020-04-15 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I provided a bank certified check for mobile deposit to my USAA account. At the time of the deposit the mobile transaction was accepted and did not state there was an image problem. Then 10 days later a image problem was noted to me by mail and the actual check was requested. I mailed the original check immediately after taking another photo of the check. I mailed it by the stated date required. 

The bank suddenly did no recieve the check by the stated date and his holding 10k of those funds causing subsequant problems with my bill pays, and checks they continue to send out checks through my bill pay with a negative balance. 

This is causing me excessive fees and will result in additional credit problems. 
this bank has also been sending my bills out late in the last month. 

I have contacted customer service where they have stated I have a 7-10 day waiting period to get these funds replaced. this is a national emergency. I am a XXXX XXXX XXXX  on the front line and the bank is taking advantage of me at this time. 
I plan on stopping all services with this bank although I have been a long time customer with few problems. 
they have failed to acknowledge my fathers XXXX war service even though he was buried with military honors I want these issues recectified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 citi bank closed my citi advantage and Macys card that where in good standing. Theyre reasoning is for returned payments but theyve been pulling payments out the wrong account. 

And citi advantage is holding me responsible for a fraudulent {$8000.00} balance transfer as well

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 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.

Company response to consumer: Closed with explanation