vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
experian added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. experian reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three 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 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I made.a transfer deposit from XXXX XXXX to Navy Federal Credit Union, which in both I have accounts. I received an immediate notification from XXXX that my transfer had gone thru and it was reflected in my XXXX online statement and account balance. On XXXX XXXX I received notice from.Navy Federal Credit Union that I was overdrawn, and that a {$20.00} fee was imposed for each draft that I had done with Navy Federal since XXXX XXXX. If I successfully completed the transfer on XXXX with XXXX , why isn't it reflected in Navy Federal 's system? Moreover, why does it take Navy Federal so long to acknowledge any type of deposit as I have had this same issue before with them even on normal deposits? I am now way overdrawn because of Navy Federal 's lack of diligence in posting deposits. When I confronted them they stated that would not help me with this issue nor would they even try to make it right. I feel I am being unfairly charged these overdraft fees. It is not my fault that Navy Federal takes so long to acknowledge a deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have a been a customer for 10+ years and have never have any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: CITIBANK, N.A.
State: IA

Complaint narrative:
In early XX/XX/XXXX, I opened a dispute for a transaction on my Citibank credit card. The dispute amount is {$300.00}, which was for a down payment for transporting my automobile from California to Iowa ; ultimately, the merchant never provided the auto transport service. As of XX/XX/2020, Citibank has not yet resolved the dispute. 

At XXXX on XX/XX/2020, I received a phone call from an automobile transport company ( the " merchant '' ). The merchant gave me a quote of {$1300.00} to transport my automobile from CaIifornia to Iowa. I initially agreed to to the quote and provided my Citi credit card number to the merchant, and the merchant charged {$300.00} as a down payment. 

At XXXX XXXX  on XX/XX/2020 ( 28 minutes after I hung up the phone call above ), I called the merchant to cancel my purchase. I wanted to cancel it because another company offered a {$1000.00} quote to transport my car from California to Iowa. The merchant initially refused to cancel it, saying that the automobile transport service was already being processed. Shortly after, the merchant proposed to cancel it with a {$60.00} fee, so that I would receive a refund of {$240.00}. I agreed to their proposal. 

At XXXX on XX/XX/2020, the merchant called me and said that they will not issue a refund of any kind. The merchant stated that either I ship my car with the merchant for {$1300.00} or I will not receive any refund on the {$300.00} down payment. The merchant was aware that I received a {$1000.00} quote from another automobile transport company and stated that " Good luck finding a driver for {$1000.00} ''. Ultimately, I shipped my car from California to Iowa via another automobile transport company. 

When the {$300.00} transaction posted on my Citibank credit card ( in earlyXX/XX/XXXX ), I called Citibank to open a dispute. The reason for dispute was that the merchant refused to issue a refund for a purchase that was never fulfilled. I provided Citibank a written proof that my automobile was transported via a different company. Moreover, I clearly explained to Citibank that all my interactions with the merchant occurred via phone. I've never received an invoice or any other document from the merchant. However, Citibank requests that I provide a written evidence that I cancelled the purchase from the merchant. On the other hand, the merchant failed to provide evidence that they provided service of any kind in transporting my automobile. It's been nearly three month since I opened the dispute, and it is still not resolved as of XX/XX/2020.

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 2020-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
COMENITY BANK XXXX XXXX XXXX  is in violation of 15 USC 1692 my federally protected consumer rights. I never received notice that I could dispute a debt. Several statements and phone calls using profane and obscene language. See documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
continuously for the last 6 weeks ive been having issues with usbank disabling my online accounts so i can not get into any of them including my checking savings business accounts and credit cards so i can pay my bills on time and not be late. they are distroying my credit by making me be late on my payments by locking me out of my online banking and then taking away my limit on my XXXXcc card i had a limit of {$8300.00} and now they took it down to {$2200.00} because of these problems even though i find a way around it but very disturbed them locking me out of all my accounts to pay bills and charging late fees when they lock me out so i cant pay bills and then cutting my credit card limit down to 1/4 of what i had for a limit. i very angry about this and need something done about this??? they cut me out of my cash rewards for XXXX XXXX XXXX as well on that same credit card saying i didnt sign up for it when i always sign up a whole month before always. and i have proof in writing that i did sign up cause i saved it on my computer.

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TN

Complaint narrative:
XXXX added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. XXXX reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
comenity bank is extorting me on false debt claims from XXXX, XXXX ( XXXX ), and other accounts- which only went red because of an unlawful eviction. The lawyer refused to clear my name until recently, unbeknowst to me- which is more critical than overextending credit lines- and being made homeless, unable to rent and pay any bills. companies like this- which now manipulate the market are extorting consumers- and denying credit- for healthcare, and petcare- leaving us- and our best friends- to die. THEY WILL NOT CORRECT THE PROBLEM. DEBTS ARE CHALLENGED AS OF SEVERAL YEARS AGO- companies refuse to settle, claim not collecting- then harass beyond debt sol.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I closed on a short sale for two mortgages on XX/XX/20 one with Bayview community service and one with XXXX XXXX. I have all the documents from the short sale and I can add them below. Now the problem is the first mortgage satisfaction of mortgage is still not recorded as of today XX/XX/20. That's over 30 days with no recorded mortgage. The second mortgage with XXXX  XXXX was recorded and sent me a copy of record on XX/XX/20. 

I have called Bayview and my loan representative 3 times in 10 days and her voicemail says she will return a call in 24 hours. Her name is XXXX XXXX. her direct number is XXXX. 

The longer they take to record my satisfaction of mortgage the longer I wait in my three year period. The fact they wont return a call is pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was informed on several occasions that my account was restricted and that I was unable to make a payment until it was resolved however, in the meantime the Capital One continues to report to the credit reporting agency of missed payments when actually I have tried to make payments several times in the last 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This year during the pandemic ( Covid-19 ), I tried to dispute this alleged debt with Jefferson Capital System with the credit bureaus. The bureaus never sent me any information regarding this alleged debt so know I sent a No response back to credit bureaus and now I'm sending a Debt Validation letter to collector. Since neither debt collector nor credit bureaus have no proof that this alleged debt is mine, by law this debt as to be deleted from my credit report. Debt collector should be receiving validation letter via certified mail this first week of XXXX and now in this complaint. I shouldn't be treated like this especially during a pandemic, its hard enough out here trying to make ends meet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020 I noticed a fraudulent transaction posted to my Bank of America, Maryland Unemployment Prepaid Debit Card. A total of {$200.00} was debited. I contacted the Bank of America Fraud department on XX/XX/2020 to start a dispute. The claim number was XXXX. I was told that I would be contacted regarding the investigation however that did not happen. On XX/XX/2020 I received a letter from Bank of America regarding the claim. The letter was dated XX/XX/2020, the day after I called to dispute. The letter stated " the above listed claim has been closed. '' Furthermore it states, " your claim has been closed because we believe the account or the claim has been the subject of fraud or suspicious activity. '' I am unclear as to what that means. The {$200.00} was never credited back to my account ; it remains as a debit. No information was given about the investigation or who committed the " fraud or suspicious activity. '' I was not given any further information or documentation. I do believe that this was a result of fraud on the part of Bank of America. There have been reports of similar fraud related to the Bank of America Maryland Unemployment Insurance prepaid card.

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I was looking at the credit agency report for Experian in XXXX of 2020 and accidentally hit the button to stop receiving and reporting the information on all of my credit. I immediately wrote a letter to Experian requesting they continue the reporting of the credit for me and what had happened. I didnot receive a response. 
I then looked for my credit report today XXXX/XXXX/2020, the Experian report stopped in XXXX of 2020.WHY???? 
PLEASE HELP ME RECTIFY THIS.

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 2020-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
This year during this pandemic ( Covid-19 ), I sent a letter to debt collector regarding this alleged debt, and after 30 days I never received a response, because of that, the item was supposed to be removed from my credit report. This alleged debt is not mine and debt collector doesn't have proof that this debt is mine. A bill is not validation of debt. The validation letter I sent collector will be attached to this complaint. This negative information is affecting my credit report and is stopping me from getting a loan to support my family during this pandemic.

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Due to me losing my job in XXXX, my vehicle was repossessed by NMAC. My personal belongings were kept & even though, I tried to get my personal belongings back I was unsuccessful. To my understanding the vehicle was sold & then I started getting letters from XXXX XXXX XXXX Offering me a settlement. I agreed & paid the settlement in XX/XX/XXXX under the terms that NMAC would delete the negative remark from my record ( verbal agreement ). Upon checking my credit report NMAC has not deleted the item from my credit reports. 
NMAC only updated my credit reports to settled for a lesser amount. I have been disputing with the bureaus & NMAC to delete the information from my credit report. Now every time I do a dispute NMAC add remarks to my credit report ( so in other words NMAC goes in & out of my credit report adding remarks ). Can they do that? Now the vehicle was repossessed around XX/XX/XXXX & when I look at my credit report its still being reported as L ( which stands for charge off ) for the years of XXXX, XXXX & XXXX. I thought that after it was charged off in XXXX NMAC were supposed to stop reporting. Why is NMAC still reporting years later?? 

I wrote NMAC in XXXX & XXXX & my cries to get NMAC deleted from my credit report has fallen on deaf ears. I called NMAC & complained & was asked did you get it in writing that NMAC would delete the negative remark from the credit bureaus, I said no, I didn't know I needed to get it in writing. I was appalled, because the customer service representative said we can't delete anything. Irregardless of what NMAC is saying & doing they reneged on our verbal agreement & kept my personal belongings that were in my vehicle. I specifically requested that NMAC be deleted from all 3 credit bureaus so that nothing negative would be reported on my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been a credit card customer of Citi for many years. When attempting to make a payment this month, I encountered issues accessing my account. I contacted Citi " customer service '' in an attempt to resolve the issue and be able to access my account. Every agent I spoke with, 4 in total, was completely unhelpful and kept passing me to the next when I voiced my displeasure about their inability to provide assistance. They kept trying to have me make a payment, despite my insistence that I need to be able to access my account before paying them. The final agent, in the fraud department, kept cutting me off and was unable to provide me with appropriate tracking information about my new card being sent ( needed so that I could actually access my account ). He stated that tracking information would be emailed to the email address that I had " previously confirmed ''. I informed him that no one had confirmed my email address and that I wanted to verify that they had the correct one. He informed me that he would review the call logs to see if I had verified it on the phone. When I asked to just go ahead and verify it with me then, he disconnected the call. After nearly an hour of being bounced around on the phone, I have no idea if my issue has been resolved or if they are simply dismissing my problems and complaints without resolution while expecting me to blindly pay them. Completely unacceptable.

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 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: NC

Complaint narrative:
Lennar Homes and Eagle Home Mortgage are committing RESPA violations by offering clients significant closing cost credits if they select to use Eagle Home Mortgage for the purchase of a property. This is a clear example of disparate treatment because they would dissuade clients from selecting their own service provider for their lending needs and instead create a kickback for Eagle Home Mortgage. This needs to be addressed because it limits a borrowers ability to choose a lender they are more comfortable with and are instead incentivized to use Lennars preferred lender.

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 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: OK

Complaint narrative:
Opened a free checking bundle account back in XXXX under a new account promotion of {$300.00} after making 10 debit card transactions within 90 days, opening a eSavings account, and enrolling in eStatements. 

Completed all requirements in XX/XX/2020 and have not received the {$300.00} new account promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
this company is not having the proper investigation as by law they should. they have not provided me any proof of the investigation they said they made regarding to inaccurate information been report in my credit report.

Company response to consumer: Closed with explanation