vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I registered for a Citi Priority Package. The definition of the package was that there was a checking account and savings account linked which required a minimum balance requirement. If there was a change in the account type this package would impact eligibility for the promotion. 

After completing the promotional requirements I closed the checking account and have kept the savings account open. 
The bank is now charging me a fee for the savings account based on the account package. However their definition of package included a checking plus savings account, therefore I no longer meet their criteria for the 'package ' and therefore should not be charged the monthly fee for just the savings account alone.

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 2020-11-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX  data breach and i'm concerned it may have got into the wrong hands.

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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
In late Spring XXXX, I noticed a new XXXX XXXX credit card on my credit report that was not mine. I contact the bank, provided them with the information they requested and received a letter dated XX/XX/XXXX indicating that they had investigated and held me 'not responsible ' for a credit card ending in : XXXX. It was removed from my credit report. I thought it was a one-time fluke, and perhaps it was. 

However, in XXXX XXXX, my identity was stolen and 5 credit cards were taken out in my name and my checking and savings accounts were compromised. In addition there were 5 other hard inquiries ( that I did not make ) where the thieves tried to take out even more cards in my name. 

I discovered the theft when I applied for a new credit card and was declined and by that time each of the credit cards had been charged to the maximum credit limit and all were late, dramatically dropping my credit score. 

The thieves used the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. An address that is not nor was it ever mine. Because the thieves used it the address showed up on my credit report. Only within the last month have XXXX and XXXX agreed to remove the XXXX XXXX address from my credit report. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit card companies and XXXX and XXXX. I provided each company with what they asked from me and 4 of the accounts were closed and removed from my credit report except the XXXX XXXX credit card ending in : XXXX. 

After sending in the information that XXXX needed for the XXXX ' account I received a letter dated XX/XX/XXXX. Indicating that they had conducted their investigation and quoting from the letter : " determined the application and subsequent account to be authorized and not fraudulent based on the following : A credit card and monthly billing statements were sent to : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. '' I tried to contact XXXX several times thereafter and sent another letter telling them what I am writing here - that I have never lived at the XXXX XXXX address, therefore never received the card, never charged anything on the card. 

This past week I called XXXX XXXX to ask about the 'derogatory comment ' on my credit report and the resulting drop in my score. I learned at that point that the account had been turned over to a collection agency - Pyod. The XXXX representative told me I would have to call the collection agency and refused to speak with me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Company won't resolve claim which the merchant said the credit card processor wont refund the transaction and holding my money. 

im ID : XXXX Claim amount : {$1900.00} Initiation date : XX/XX/2020 Transaction Date : XX/XX/2020 Transaction Ref. # : 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 2020-11-03 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: Service Finance Holdings, LLC
State: MI

Complaint narrative:
I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
My mortgage servicer dovenmuehle sold my loan and never recieved a letter about this. They also would accept the next payment to forward to the new service during the transition phase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
i reached out to XXXX XXXX and and XXXX XXXX XXXX to see how these unauthorized inquires were added to my credit report and I became aware someone got access to my credit report. I made a police report regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
On XX/XX/2020 I submitted a complaint against my lender for charging me excessive fees and not being open about what they were applied to, I have included a copy of that complaint in the document section of this complaint. On XX/XX/2020 Ameris sent their response, also in document section. Since XX/XX/XXXX I have called Ameris weekly to try to get answers and they will not give them to me. In the breakdown of reinstatement there is {$380.00} in late fees, {$210.00} in property inspections, {$1000.00} in reinstatement fees, {$6300.00} in foreclosure fees and {$16000.00} in escrow advances. They did not and have continued to refuse to answer what the additional {$8000.00} was for. The questions I would like Ameris to answer is what is the {$1000.00} in reinstatement fees and how is that assessed and distributed. I would like to know what those fees are for. I looked up the case that the foreclosure fees are associated with and have included a docket entry from Ameris 's counsel titled Affidavit To Reasonable Attorney 's Fees and Affidavit of Attorney as to Costs and Time Expended. Both of these documents state that {$3000.00} is standard. Why was I charged so much more? Also, if the total to reinstate was {$270000.00} what was the actual principal that was due? I am concerned that my reinstatement has been inflated greatly to put me back into foreclosure even after I sent the {$27000.00} and charged me an additional {$8000.00} which I could not secure and went directly back into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. 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 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Tried to return an item to merchant - defective item. Filed dispute with bank, but they failed ( i ) process the dispute properly, XXXX ii ) respond to info provided, ( iii ) correctly tell me what they wanted, ( iv ) made demands that they knew could not be responded to in the manner they wanted, ( v ) instituted on onerous process to dispute the claim, and ( vi ) reverse the charge. The final straw was requesting me to do something with no intention to process the dispute.

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 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
My medical debt was paid for by my insurance company and I paid the rest owed. Bull City Financial calls on a daily basis and has ruined my credit score. This is medical debt paid and Ive been treated like a XXXX. I am a single mother with a XXXX child, this is causing me horribly unduly stress on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
Issue : Escrow Payment from XX/XX/XXXX for $ XXXX.I contacted then numerous time and they have not cut my payment. As of yesterday, they closed out my escalated requisition request for payment in which, I find very strange, without cutting a check to me.Please help me get my escrow money. 


Contacted C.S. Rep Supervisor Request For : Results of Call : Action : XXXX XXXX XXXX Rep Requested escrow will have pmt. within 10 days XXXX XXXX XXXX Rep XXXX XXXX payment no chk number & C.S. closed XXXX XXXX XXXX XXXX XXXX XXXX payment no chk number & req. supervisor Supervisor adv, Orginal C.S. Rep form XXXX XXXX XXXX - didn't submit requisition, only documented account. 
Supervsior, advised XXXX just submitted requisition and chk will be cut XX/XX/XXXX XXXX XXXX XXXX Rep XXXX XXXX chk number no chk number & req. supervisor Supervisor, advised check will be cut today XXXX XXXX XXXX, no later tommorrow XXXX XXXX XXXX XXXX XXXX XXXX Rep XXXX XXXX chk number no chk number & req. supervisor Supervisor, advised will escalate pmt from dept and cc that dept 's supervisor XXXX XXXX XXXX XXXX XXXX  chk number adv escalation closed XXXX XXXX XXXX asked XXXX, why was my escalated requisition closed, with out a check being cut? 
she stated that when a check is being processed, the dept closes the requisition. 
I found this strange because I'm a bookkeeping for 15 years and you only close a request for payment, once a check has be issue. I was thinking maybe they closed the requisition to avoid paying me my surplus escrow payment and to cover up there mistakes. 
XXXX XXXX XXXX XXXX XXXX XXXX chk number no chk number & req supervisor Supervsior adv, she doesn't know when chk will be issue. I told her that I'm upset, not with her, but this was rediculious Requested to speak with a manager, someone high up and she told me there is no one.Also, this supervisor was not helpful and her tone in the way she talked to me rude. She seemed like she was an XXXXamercian.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: FL

Complaint narrative:
I applied at Sprout Mortgage over 90 days ago. Worst process ever. After 90 days I finally was told the loan was approved. They then waited another 3 weeks to schedule my closing. Due to delays on their end ( their words ) they have now raised my rate twice and said they have to redisclose again the new rate and that would not take 3 more weeks. It is like groundhog day over and over and they keep charging me more money and higher rates. I went online to look at reviews and there are hundreds of others in the same boat with Sprout. They need to be shut down before hundreds more get taken by them. I am a single mother and this has really hurt my family. I am a super qualified borrower so this should not happen. PLEASE LOOK INTO SPROUT MORTGAGE ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. 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 2020-11-03 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: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. 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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi denied credit to me on XX/XX/2020 with explanations that not evident on my XXXX  credit report which they sighted as reporting the information. I have tried to contact Citi and XXXX  with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?

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 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I've created an account with coinbase.com with the plan to do some trading with XX/XX/XXXX. I've made a wire transfer in the amount of {$24000.00}. They have deposited my funds and after that they restricted my account. They said : " Your account is temporarily suspended from sending cryptocurrency off the Coinbase platform - this is to protect against loss, because once funds are sent off our platform, we have no way to reverse those transactions. 

This feature will not be re-enabled until XX/XX/2020 at the earliest. Due to the current restrictions on your account, if you would like to send this crypto from Coinbase, you must first convert the crypto to XXXX and then withdraw the XX/XX/XXXX funds to your verified bank account. '' So I said ok, it's to protect me, lets wait one week and should be fine. After the date of XX/XX/XXXX nothing happened. I've emailed them again and they replied after 36 hours and said : " Hello XXXX, Thanks for reaching Coinbase Support. 

We've documented the information you have provided and have escalated this case to a specialist. We will follow-up with you as soon as we have an update.

Please note, these reviews are typically completed within 5-7 business days but may take longer. '' I replied, I've answered as they needed and again waited for another 3 or 4 days to receive an answer from them. 

They replied and they said : " Thank you for your patience while we reviewed your Coinbase account. All account restrictions have been removed, and you may resume using your Coinbase account immediately. '' but surprise, my account was still restricted, I couldn't do anything, so I've contacted them again and they replied after 3 or 4 days again stating " In order to properly investigate this issue, we will need you to provide an official bank statement in PDF form proving ownership of your linked bank account. 

Upload your documents through our secure SendSafely portal https : //coinbase.sendsafely.com/dropzone/cx-files/XX/XX/XXXX. " this is completely insane, why do they send me an email, after all this waiting and losing nerves, that my account is good and than is not good, send XXXX XXXX statement. I'm still waiting for their answer, because I already sent the Bank statement as requested. They should be restricted so they can not restrict customers without reasons!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

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 2020-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I cosigned for my XXXX on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.

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