vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: NY

Complaint narrative:
I applied for a business credit card account for : XXXX XXXX XXXX. 
I was denied indicating a number of accounts are in delinquency ( NO TRUE ). No accounts are in delinquency. ( PLEASE see document submitted ). 
The account I applied for is NOT a personal account, which I already have. I applied for a business account for a new start up business, under the sponsorship of the 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 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an installment loan on XX/XX/XXXX. I then set up automatic payments. For 3 years, my automatic payments processed successfully. On XX/XX/XXXX, my final payment was due. With no notification to me, BBVA did not process my payment automatically. I was then charged interest until I discovered that the payment had not gone through on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
They sent me a message saying my account has been permanently suspended with fund still in account and they will not reply or return funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I opened an American Express Gold Account back in XXXX and have paid that card off at LEAST ten times yet AmEx just now reported that card as being opened on XX/XX/XXXX! SHAME! I will be closing this card out TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
On XXXX/XXXX/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 im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: GA

Complaint narrative:
I SENT A DISPUTE TO EXPERIAN IN REGARDS TO A UNVERIFIABLE BANKRUPTCY, EXPERIAN VERIFIED THE BANKRUPTCY, I CONTACTED THE COURTHOUSE THEY SAID THEY DONT DO BUSINESS OR VERIFY ANYTHING WITH THE CREDIT BUREUAS.

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 2021-03-31 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: GA

Complaint narrative:
On XXXX/XXXX/21 and XX/XX//21 I wrote into each bureau identifying inaccurate and misleading information appearing on my report. As stated previously after recent pulling my report I discovered items that I didnt recognize causing me to dig deeper. I discovered I was apart of the Equifax XXXX breach and now more than ever I feel my information XXXX have fallen into the wrong hands. It has been well over 60 days and I have not received a response. In doing my research I also discovered it is illegal for you not to respond within 45 days moreover it is illegal to report inaccurate/misleading information per FDCPA. Please remove these inaccurate items until you can verify these items. I hope this will be resolved sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In late XX/XX/XXXX, I was sent home due to being high risk among this COVID-19 Pandemic. I called Shellpoint Mortgage Servicing and I was placed on a XXXX XXXX. I made several calls to them XXXX. Each time, I was told that I was on a XXXX XXXX. On XX/XX/XXXX, I called Shellpoint Mortgage Servicing about a payment that I was able to make online via their website. They NEVER applied this payment to my account. They HELD it. On the payment history page it clearly states " unapplied payment. '' During this XXXX XXXX, Loan Officer XXXX XXXX stated, " For your XX/XX/XXXX payment, send {$820.00} plus {$120.00}. In addition, she stated that my missed payments have been added to the end of my loan. Then on XX/XX/XXXX when I logged into their website, I did not have access to make a payment. It stated, " This loan has a legal status preventing online payments. '' I repeatedly called Shellpoint Mortgage Servicing and XXXX XXXX during the month of XXXX XXXX I call once a week, sometimes twice a week ). She now denies making the XXXX payment arrangement with me. She has refused to extend XXXX XXXX on my account. XXXX XXXX also tells me that I do not qualify for a XXXX XXXX. As of XX/XX/XXXX, Shellpoint Mortgage Servicing website, on my account, clearly states that " you are on a forbearance plan ... '' On XX/XX/XXXX, I called XXXX XXXX XXXX, to Request a Reinstatement quote. I was told it would take XXXX business day. 

On XX/XX/XXXX, I called Shellpoint Mortgage Servicing, I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX said that she did not see a XXXX a Reinstatement quote. She said it would take days. XXXX XXXX stated an amount of {$7600.00} plus {$820.00} must be paid. I said that I didn't have that kind of money. Again I stated that I was on a forbearance plan. She said, " No you're not. '' A few days later, I called again, now XXXX XXXX gave me an amount of {$8900.00} must be paid by XX/XX/XXXX. Must be wired. She firmly told me, " Do NOT send money, it will NOT be accepted. It must be wired to XXXX XXXX. '' She provided my with the XXXX and Account numbers. 

On XX/XX/XXXX, I called XXXX XXXX XXXX, spoke to Lai'nae and XXXX XXXX XXXX XXXX about this entire matter as mentioned above with Shellpoint Mortgage Servicing. And to discuss the letter that I just received from XXXX XXXX XXXX that states my home will be put up for sale on XX/XX/XXXX. 

I also informed XXXX XXXX that I had the house appraised in XXXX and surveyed. Just found out last week, that the Deed is incorrect. The house is not XXXX XXXX lot, it was built across XXXX lots. The Deed needs to be corrected. I'm also looking into refinancing the house through my credit union. The family who sold me the XXXX lots must re-sign documents in order to correct the Deed of the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: NC

Complaint narrative:
I have filed a disput in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Since XXXX of 2020 I have been sending letters demanding validation of accounts that are reported on MY CREDIT REPORTS! XXXX XXXX XXXX XXXX has not responded to any of my mail. They did not identify the original creditor, they did not help me in any way. MY RIGHTS HAVE BEEN VIOLATED! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in XXXX blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in Chicago blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
on or about XXXX 2021, I asked XXXX to send me documentation that the account they had on my credit report for XXXX was mine. 
After many back and forth emails, they never sent the paperwork, I finally received it after I filed a dispute with the credit bureaus '. 
I co-signed a note for my daughter it seem. 
On XX/XX/2021, my daughter received a notice from XXXX that they would settle the account for XXXX. I paid this amount on XX/XX/2021 in full. The person I talked to was XXXX and the confirmation number is XXXX. 
She informed me I should receive an email confirmation with XXXX to XXXX hours from XXXX or XXXX which is the other name they use. 
This never happened and they are still refusing to remove the amount from my credit report. 
There is no reason for this to still be on my report except from the reviews I have read, they seem to feel they don't have to. 
As far as I am concerned, they are stealing my identity and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My complaint is in regards to a missing credit issue. I have been dealing with this issue since XX/XX/XXXX I have gotten gotten no resolution. On several occasions Ive waited on hold multiple hours at a time only to be given the same response by countless representatives. 
Whom all say they will do their best to help. In XX/XX/XXXX I was a victim of credit card fraud and a little over {$1000.00} was taken from my account on authorized I just paid it is transactions and was given back the credit. Due to some issues in the system XXXX Bank of America prepaid deducted {$500.00} or a little more from my account it was found that the products were in fact due to go back into my account and I was receives know that the credits would be refund it. I have not received the money back in all this time I continue to call and follow up and have not once received any email from XXXX or male Correspondence besides the letter stating that I would be given back my credit. My last letter stating that they would in fact deposit back the money to my account so they would do so within a Few business days. That letter was sent in XX/XX/XXXX it is now XXXX and I have received nothing. I am a single mother of XXXX on unemployment and in dire need of this money and have experience overwhelming stress and anxiety due to this set back I am in jeopardy of losing my apartment and have exhausted all options of obtaining resolution. 
XXXX XXXX : XXXX XXXX XXXX Description : I would like the credits returned to my account as soon as possible

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 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
they violated my rights pursuant to 1692 ( D ) ( 1 ) any bad debt furnished on my report is ruining my reputation and a defamation to my character they also violated my rights to privacy pursuant to 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I did a bank account with suntrust bank and since the first day XXXX got my ATM card it was giving me problems I would try to use it and it would give me decline wild I had funds in this account. Then I would try to purchase items in stores and the same issue would keep having I was only able to use it on my XXXX XXXX Now the bank have my account frozen under fraudulent investigation witch I dont understand why if all my funds in there came from my unemployment benefits, stimulus check, federal Texas. I also went to the branch to speak to a representative about the situation they had told me that they can see where the funds came from and that they dont understand why my account is under review. I have called several times the bank to discuss this problem and call they can say is that the investigation is still open and they cant tell me an exact day when I can get my check in the mail. I explained to them I have bills to pay and a XXXX XXXX XXXX child that I have to support with these funds now we are struggling due to the bank having all my funds on hold. I even send them a fax showing my unemployment payments history so they can see that my funds are actually mine and Ian not trying to due any fraud.

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 non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The mortgage company regularly sends a letter stating that a payment is past due. 
I have sent them proof that I have never missed a payment but the letters continue. 
For over 4 years this " debt collector '' has harassed me for no reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: MO

Complaint narrative:
In the month of XX/XX/2021, I sent several disputes to Equifax, with regard to incorrect and inaccurate furnishing of information. Equifax proffered that they corrected the report to reflect all disputed items were deleted. 

In response, Equifax forwarded a report ( dated XX/XX/2021 ) showing no inquiries were included. 


However, on XXXX XXXX, 2021, I submitted an application for a personal XXXX XXXX  Credit Card. On XXXX XXXX, 2021, XXXX XXXX  denied said application, stating in part that " Too many recent inquiries are recorded on your credit bureau report ''. 

Equifax is in violation of 15 USC 1681e " Accuracy of report '' ; whereas, Equifax is providing one version of a credit report to me, ( the consumer ) and a different version to the potential credit grantors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The account as per XXXX XXXX  stated the account was opened in 2018. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements. 

Please remove this off my credit the account was fraudulently made. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: GA

Complaint narrative:
I have been trying to dispute this account for quite sometime. It was opened back in XXXX, that was the same year I went through identity theft. It is now XXXX so now the account is XXXX years old and should be off of my credit report. Legally, I am no longer responsible for this account. I've sent so many dispute letters for this creditor and nothing has changed. This has been such a hassle for me. I have not been able to apply for a rental because of this. I've also dealt with two different companies to assist me with removing this item but nothing ever happens. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Please find attached an automatic renewal completed against my instructions by XXXX XXXX. 

I had opened a 1 year cd with specific instructions to not renew upon maturity. I had also asked for notice when the cd was due to mature. In fact, I received no notice and the company actually renewed the cd and then sent me a confirmation 2 weeks after the fact. 

When I called to complain they said they had mailed, not emailed, but mailed a USPS notice and blamed the post office for lack of receipt. I asked under the COVID situation if they could make an exception and was refused. I asked for a no interest redemption and was advised I would be penalized with 6 months interest subtraction for my two weeks before they sent the confirmation. 

I demanded to speak with a manager or more senior supervisor and was told I would be called back. I provide both my cell phone and email address and have not been contacted. 

I find this company to be indifferent to proper business practices and no interest in solving issues with consumers. 

Your assistance is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
My mortgage insurance was paid out twice from my escrow account. Once to the wrong company ( XXXX XXXX on XX/XX/XXXX ) and once to the correct insurance company ( XXXX on XX/XX/XXXX ), both in the amount of {$3000.00}. I have been told by many representatives that thus money was refunded to The Money Source on XX/XX/XXXX but it is not reflected in my escrow account. 

I have called dozens of times since the end of XXXX to get this straight. I have gone through 1 escrow analysis and a dispute and it has still not been fixed. They have stated that the negative balance in my escrow account is correct but can not and will not provide documentation stating that money was ever credited back to me. 

Now my mortgage is more than I am able to pay and after XXXX, I will not be able to make my mortgage payment. I am scared to lose my house over this. They are holding {$3000.00} of my money hostage.

Company response to consumer: Closed with explanation