vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I am trying to close out three bank accounts with Bank of America that are part of my fathers estate. The accounts had to go through probate which was completed and I am the executor of the estate. I mailed the information requested from Bank of America to their estate unit XX/XX/2021. This included the information they requested like the death certificate, letters testamentary, and their forms. 

My first follow up call was XX/XX/2021. On the XX/XX/XXXX call the representative confirmed they had received all of the required information and would put in an escalation request to have accounts closed. 

My second call was on XX/XX/XXXX when I was told it was still in back office review. 

My third call was XX/XX/XXXX. Representative was giving me same story about it being in back office review. Complained that is what I was told last time and the response was that they would put in an escalation request. I explained that was said on XX/XX/XXXX and they claimed not to have any record of that. Call continued and she claims to have gotten a manager involved after putting me on hold multiple times. She said account were approved for closure and that checks would be sent out in 2-3 days. 

My fourth call on XX/XX/XXXX I was told checks were mailed but needed to give it until Monday the XXXX to see if they arrive. 

My fifth call on XX/XX/XXXX. Representative confirmed approval on XX/XX/XXXX but then said something was showing red on document intake. He did confirm they had all documents needed. Same story about escalating it to a supervisor. Said they had 4-5 people working on it which is a hilarious exaggeration. End of the call he said he would call me back either end of that day or no later than the following afternoon. Never received a call back. 

My sixth call on XX/XX/XXXX. First representative transferred me to another representative which was supposed to be a specialist on the case. They had no knowledge or history on the case and it was like starting from zero as with all other calls. You talk to a different person each time. They make you wait on hold an average of 20 minutes before you get to the first person. After you get to them you may be transferred again or out on hold multiple times while they work on it. The call ended with me asking how can I have my attorney contact them and where can he send a letter. The representative would not answer and said I would have to talk to manager. When I asked for that was told they are not available. Representative promised to call me back within 5-10 minutes and confirmed my contact number. Of course nobody called me back.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXXI contacted Citi Bank, due to not being able to make a payment of {$380.00} which was due XX/XX/XXXX. I reached out to them to see if they could offer assistance to me, due to being laid off/Covid related market conditions XX/XX/XXXX. I asked them for possible forbearance for 3 months to assist until I got back to work. I am not receiving unemployment either at this time. I was laid off XX/XX/XXXX. I actually made a payment to Citi Bank XX/XX/XXXX of {$2500.00}, I was attempting to pay off Debt and was unexpectedly laid for a week after that large payment. I asked Citi BankXX/XX/XXXXto take into consideration the large payment I just made XX/XX/XXXX, which if I would not have made, I would be able to make 4-5 months of payments without issue. Citi Bank told me there was nothing they could do to assist me at this time and if I could not make a payment, It would reflect on my credit report, also interest and late fees would continue to grow. All I asked for was a few months of forbearance assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: MAJR Financial Corp
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; MAJR FINANCIAL is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. MAJR FINANCIAL is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : MAJR FINANCIAL XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I sent out a letter with the accounts I fount error with about a month ago on XX/XX/21 and haven heard anything back. Im trying get my life together but they keep holding me back and they need to be stopped.

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I applied to co-sign for my daughter, XXXX XXXX, for a refinancing her house loan, not a loan for myself. As part of that application process, I provided extensive personal confidential financial records ( PCFR ) to the mortgage bank. The application was almost complete, the bank asked for a document ( divorce decree from 1980 XXXX which I do not have, thus could not provide to the bank and the bank would not complete my application. I then told the bank to cancel/withdraw my application, since it could not go forward to completion. I also asked the bank to delete all of my PCFR I sent to it, since the application was withdrawn, they would be providing no services to me and I did not want their bank retaining any of my PCFR. The bank refused to honor my request, citing Section 1002.12 para 12 ( b ) ( 3 ), Withdrawn Application. I provided my PCFR in good faith. The bank is not acting in good faith in not honoring my request to delete my PCFR, i.e., the bank will not proceed with my application for an issue which is out of my control ( I can not provide a 40+ year old document I do not have ) ; the bank, thus, has not and will not provide any service to me and it will not be providing me with any funds. There is no reason why the bank should be allowed to retain my PCFR in its database. With all the hacking and violation of cyber security occurring to many businesses currently, it places my PCFR at unnecessary risk and I want them deleted from the bank 's database. That's all I am asking for. To get this done, you can contact XXXX XXXX, Account XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX ; email : XXXX, tel. no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have been using Gemini for years with no issue. Then out of no where I went to make a withdrawal and they froze my account. They have yet to respond to any of my emails/support tickets with my money frozen in there. This is ridiculous please help. 

This is a list of my support tickets. None of them have a response. 

XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have received multiple calls from Navient regarding a student loan that belongs to someone named XXXX XXXX who is using my phone number. I do not have a student loan with Navient, nor do I know a XXXX XXXX. 

Today was the final straw in receiving calls from them. On XX/XX/2021 @ XXXX XXXX  I received a highly unprofessional and threatening message stating I had until XXXX XXXX or else along with a bunch of other stuff. It was so over the top it was almost laughable. When I called back and spoke to someone else, he was the so rude and actually started screaming at me and told me I was wrong in how skip tracing worked. No actually I am not. I work in the credit and collection space and am very well aware of how it works, how data is collected, and what consumer rights are. I absolutely do not appreciate reviewing such an influx of calls, rude & threatening messages, or live rudeness. 

I pulled my credit reports and XXXX XXXX is not listed anywhere as being identified with my telephone number, nor do I have any type of student debt listed or any inquires from Navient are listed. 

I want my phone number removed from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Credit card act of XXXX requires issuers place payment allocation to highest interest balance first. To my surprise Home depot has policy that if promotional balance expires 60 days, payment will apply on promotional balance first instead of highest balance first. I have document showing that promotional balance expires in XX/XX/XXXX, while I had purchase an item in early XXXX using credit card which subject to 29.99 % interest, then on XX/XX/XXXX, which is after my last billing cycle I paid more than the cost of the item I purchased few weeks earlier, guess what? That money paid off promotional balance fully leaving interest bearing balance alone forcing me either pay off the remainder of the balance or subject to interest charge in XX/XX/XXXX. 
This is not the first time, but repeated to the point I started to notice the pattern, I decided look up at their website, they have the page where debtors can rearrange promotional balance but none for interest bearing balance, I find this not justified and clear violation of Credit card act of 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BROCKELBANK INC
State: MI

Complaint narrative:
The company is reporting simply paid on the accounts that I paid in full. I requested the company delete the accounts off all three reports and they only deleted it from XXXX. There is one left on XXXX and all four on XXXX. This makes it look as if I settled, they need to either update paid in full or delete them as originally stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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:
remove it : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX {$710.00} Balance updated XXXX XXXX, XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : XXXX XXXX Balance on XXXX XXXX XXXXXXXX Original balance {$710.00} {$710.00} Payment Info Original balance {$710.00} Balance {$710.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Affected by natural or declared disaster Your statements - Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX XXXX Balance on XXXX XXXX XXXX Original balance {$110.00} {$110.00} Payment Info Original balance {$110.00} Balance {$110.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had an account with BBVA since XX/XX/XXXX. The bank has made it impossible for me to access my account, transfer funds ect. They have a policy that even thought you verify your information over the phone you have to go into a branch to update your phone number. BBVA has limited branches and if someone like myself lives out of town sometimes there is no physical way to get to a branch if I try and update my phone number on the app or website it keeps trying to send a sms to the old number but if I known longer have the phone number I cant verify it. Like most banks verification numbers are send to either a mobile phone number or email. On XX/XX/XXXX tried to open a new checking account over the phone I provided my updated phone number. My email, address stated the same. So I received a email on today XX/XX/XXXX from BBVA asking me to review documents and sign them. The documents were locked and asked for a sms to be sent to my phone number. It was a phone number that wasnt mine. I have reason to believe that BBVA does this intentionally. Over the course of the year I have had this account my account has been compromised on several occasions. The bank changes my information internally with my information. When I called customer service I was told that my application was completed via mobile app but I never completed a new checking account application via mobile app. I did it with a customer service representative because they were supposed to attach my old debit card to the account and transfer my balance to the new checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XXXX of 2020, a charge was made on my Chase credit card account by XXXX that we did not authorize. The order was placed using a different account. This was a dormant account that we do not use and did not realize their error until we saw a missed payment on my account. XXXX has owned the error and reversed the payment. 
I have explored numerous avenues with Chase to have the missed payment removed from my account, and they refuse to work with me. This {$39.00} charge, that should never have been made, has now destroyed my credit. 
We did not receive any phone calls regarding a late payment because we were in temporary housing ( having lost out on a house after the sellers backed out at the last minute ). We also did not receive specific emails or mailings saying there were late payments. Just the generic statements that are emailed. Since this is an account that we never used, we had no reason to open these statements. 

I've attached the email from XXXX owning responsibility and reversing the charge ( and charging the proper account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
The CONSENT Delay, Prolong in Responding to Modification, compound of Fees to rise the cost owed. 
Nationstar, which is now doing business as Mr. Cooper, engaged in a number of unlawful practices in handling mortgages following the Great Recession. Specifically, the loan servicer failed to honor borrowers loan modification agreements. Nationstar also allegedly foreclosed on borrowers with pending forbearance applications after promising not to do so and failed to properly handle escrow payments and accounting for homeowners who were in XXXX XXXX bankruptcy proceedings. 
Nationstars failings resulted in substantial consumer harm. The fact that my foreclosure has been going on for 4 years is Most Ridiculous with NO explanation OR explanation. They Purposely have drag out my court case that makes it impossible to catch up or reinstate mortgage, they have even INCREASE mortgage payment in order for consumers to DEFAULT on making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
I pulled my free annual report as a recommendation from COVID-19 and was surprised to see a collection from Credit Mgmt LP which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid prior to it hitting my credit profile with the bureaus. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notifications regarding the debt. Had I been aware I had option to check the validity of the debt in question, this may have been removed. I would like this collection removed from my credit due to erroneous collection practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
This is in reference to my original CFPB case number XXXX with mortgage company Homebridge Financial Services , Inc. My attorney sent a letter to the mortgage company in reference to them not paying my property taxes when they are were holding my tax escrow. After they received the letter from my attorney Homebridge Financial Services , Inc. sold my mortgage to XXXXXXXX XXXX and now I am not able to get to them since I no longer have a valid loan number with them. Homebridge Financial Services , Inc. took a payment for XXXX and that is when my loan was transferred to XXXXXXXX XXXX. Now I am late with the new mortgage lender XXXXXXXX XXXX because the Homebridge Financial Services , Inc. will not send me my refund for the mortgage payment that they took from me for XXXX and I need to send that same money to the new company. In additional to everything that has happened I feel I have been discriminated on because of my accent. I have asked to speak with someone in their compliance department or even a supervisor and the representatives refuse to escalate my call and they pretend to not hear me because of my accent. I have been mistreated and the representatives have been rude and disrespectful in every single interaction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I make my monthly payment by check and Priority Mall it to the company, Lakeview Loan Servicing. 

I mailed my XXXX payment on XX/XX/XXXX for {$970.00} and they are saying they have not received it yet. Now they are charging me a late fee of {$26.00}. 

Is it possible they are holding the check and not cashing it in order to collect a late fee? Can you check this out. I don't trust this company.

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank is absolutely terrible and releasing consumers mortgages once they are paid in full. They are not following the 90 day Federal Regulation to release mortgages within 90 days of payoff and it is very frustrating for consumers to have this cloud remaining on their title years after the mortgage has been paid in full.

Company response to consumer: Closed with explanation