vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: VA

Complaint narrative:
I have been a loyal customer with XXXX for many years and have always used the credit account through XXXX XXXX to take advantage of zero percent interest. XXXX XXXX is reporting a late payment on my credit report. I have NEVER paid this account late. I have participated in automatic payments or paid manually but have never paid late.

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Following the filing of a Complaint with your office, City National Bank drained my account. So far they have not informed me of the disposition of almost {$6000.00} the account held! 

I reached out to the Bank this morning and I do not believe they will respond to me! 

I have an open complaint with the bank on file with you/ Claim number active on file is XXXX relating to the ho0ld on funds! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 51 minutes ago ) to Dhaanwatie, XXXX, XXXX Thank you for your continued callousness and non communication! 

I see that as of this morning, my Account balance is at XXXX! Please make ABSOLUTELY CERTAIN that this account is CLOSED, effective today! 

Also please confirm disposition of the funds that the account held! Because it contains STIMULUS money and Social Security funds, please confirm these funds will be reimbursed to me and provide a timeline on disbursement of funds being returned to me! 

Your response will be shared with the Financial Protection office! 

I can not say it has been a pleasure working with you! It certainly has not! 

XXXX XXXX XXXX Please note that beside the banker I have also e-mailed the President of City National Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
American Express is the only financial company that has not been able to help me figure out a payment plan for the Covid 19 emergency. While XXXX XXXX, for example, was able to freeze payments for 2 months, Amex keeps calling me more than 2-3 times a day every day. I have been able to make small payments and will continue to do so as I have told them over the phone. I already told them not to call me every day and they keep doing it. I was on the phone today with them and they have been hanging up on me every time they transfer me to the financial relief program team. Their behavior is predatory. Not only are they harassing me, but they keep adding late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
I have never been to this medical provider period.

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 2020-06-12 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: MI

Complaint narrative:
On XX/XX/2020, XXXX fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with XXXX  but with the FTC and the police. I submitted all documentation to both the credit bureaus and to XXXX but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.

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 2020-06-12 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: MI

Complaint narrative:
On XX/XX/2020, XXXX fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with XXXX but with the FTC and the police. I submitted all documentation to both the credit bureaus and to XXXX but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.

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 2020-06-12 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: PREFERRED CREDIT INC
State: OK

Complaint narrative:
During this Covid-19 pandemic I have been unable to make a payment on my preferred credit account as my wife lost her job and my income was hit hard. They said that wouldnt be an issue and then whenever I got some money I paid the entire balance off but they reported a missed payment for 90 days which really hurts my credit. I have never missed a payment and have always had 100 % payment history on all my accounts. I would really like to get this removed and to show that I still have 100 % payment history. I think its really unfair and a really bad look to report something like that during a pandemic and a crisis that most everyone has suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I lost my job last year and had many financial hardships. I was about to save my home by doing a modification on by existing loan. I completed the trial period of three months than I began making regular payments to the company. After I started making regular payments the company sent me a ststement informing me that I owed them XXXX This was after legal documents were signed that stated How much I owed and, my new payment amount. 
My concerns are : 1. If I did owe this company additional money why was this not calculated into the modification. 
2. I have called this company multiple times and then state the XXXX is due to fees assessed. What fees? 
XXXX. If a consumer is already going through a hardship how can a company modifiy their loan and than expect them to pay an additional XXXX 4. This company had 6 months to identify all monies they believe I owed them during the modification process.Everything should have been involved in the modification process They are setting me up to lose my home of 25 years. And I believe what they are doing is illegal. Informing me of an additional amount of money owed after legal documents were signed and notarized stating I owed the company a dollar amount without this XXXX. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CL Holdings LLC
State: AL

Complaint narrative:
I called Jefferson Capital to settle a debt of XXXX and have it removed from my credit ..they gave me a settlement amount for XXXX and they said I can pay that and they will have all three bureaus remove it once paid ... I paid this amount on XX/XX/2020..confirmation # XXXX ... the account updated on my credit and now shows a balance of one thousand and some dollars ... .I paid the settlement amount in full and when I call the customer service number it says o have XXXX balance please help and remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been trying to dispute an incorrect negative account on my credit report for over a year. I tried to dispute this online after retrieving the report in XX/XX/XXXX, only to go through the entire verification of my identity process and then be told that the dispute had to be filed by mail due to " system issues ''. I then tried disputing by mail on XX/XX/XXXX with no response. This issue resurfaced when i was going through a refinance in XX/XX/XXXX. This time i received a message to use " my equifax '' to file my dispute. I again went through the entire verification process on XX/XX/XXXX and was told i needed to call in. I called in and the offices were closed. I called back on XX/XX/XXXX and went through the verification process to be advised that i could file a dispute online. The system then terminated the call. Today ( XX/XX/XXXX ), i called to dispute and was routed through the verification process, once again entering all of my personal information only to be told the offices were closed and to call back during normal business hours. This information has been resolved with the other bureaus. Equifax who exposed my and many other consumers data insists on using a system which requires you to provide PII to their systems with no intentions of providing support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 a Check was drafted from my account which brought it to a negative balance. On XX/XX/2020 at XXXX central time I received the email notification that my account balance was lower then {$25.00}. Bank of America had already taken out the overdraft fee of {$35.00} the previous day XX/XX/2020. I received no other notification that my account was low on the day it was negative and didnt have the chance to avoid the {$35.00} fee prior to it being charged. The account is no longer negative as of XX/XX/2020 at XXXX XXXX  central time. I requested that the fee be waived because their notification was a day late in their banking app chat box and didnt receive any assistance beyond a number to call, but Ive had it with their business practices.

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 2020-06-12 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2020 my husband and I flew on XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX NY to XXXX Florida. 
In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. 
My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to XXXX 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. 
This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. Thank you.

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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX These are all collection agencies that Ive been asking XXXX  , XXXX  and Experian to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed a dispute with capital one in XXXX of 2020 because they were reporting my payments late so my score took forever to update. Capital one removed my credit cards from my credit report ( I have 3 cards ). I was about to buy my dream house with a credit score of XXXX it took me a year to go from the 500s to where I'm at now. My fico score is trash my credit score is now XXXX and I have never ever missed a payment!!! I've worked as an essential worker and finally had everything I needed until capital one dropped the ball. I was told they might put them back. So I hung up and now I'm here! I did nothing wrong they gave me 3 credit cards and then trashed my credit all I can do is cry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My wife tried to make a payment on my Sears/Citibank NA credit account and because she wasn't listed on the account they placed a " fraud alert '' and the account was frozen. I received a notice of fraud alert in the mail with instructions to call them. I called and tried to resolve the issue, but was told they " could not verify my identity '', due to the fact that i was not calling from the phone number listed on my account. I had excellent payment history for years, and even gotten married and bought a house since the account was first opened. My address was updated on the account and we were receiving monthly statements to my updated address, but I assume my phone number wasn't updated. Once the fraud alert was placed on the account I had stopped receiving monthly statements or any correspondence other than one letter with a phone number to call, upon which calling the number I have been repeatedly told that I am not who I say I am. Sears/Citibank NA then placed late fees on top of late fees, closed the account, and has continued to report my account as " late ''. Before all this started i had a credit rating of mid-to-high 700 's and currently I am in the low 600 's. I was willing to pay what I was responsible for, but without any statements or even a way to dispute any charges I had no way to access any account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX  XXXX and XXXX bank account balances are incorrect. Equifax can not verify my information and I was logged in to my Equifax account, giving them the information on file. The rep constantly asked me the same information over and over and said I could not verify the accounts. The purpose of me calling was to dispute inaccurate information. So most likely thats why I can not verify the accounts. XXXX  XXXX updated the balance and XXXX  update the balance to XXXX. I need to use my credit and I need XXXX  XXXX to reflect XXXX balance on all reports. Also I need XXXX  to stop aggravating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I applied for a refinance with quicken loans and was denied because of to much debt. I sent them many different documents explaining that the loans that they were referencing were paid by my business and not me personally but they continue to deny me. I ask that it be looked at and my original contact XXXX XXXX said he would look further into it and get back to me. I never received any notice in the mail or a call back from XXXX. I just tried to login and I was shut out of the portal. Still havent received a clear explanation because I provided everything then asked for multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX These are all collection agencies that Ive been asking XXXX  , Transunion and XXXX  to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This letter is in reference to a late fee in the amount of {$28.00} that was applied to my account for my XX/XX/2020 statement. I received an email that my payment was late after the payment date and I immediately made the payment. 

I opened the statement today to find out that I was charged {$28.00}. I immediately contacted Capital One and the call was answered by a representative in the XXXX and could not assist me so I asked to be transferred to the US to a representative in XXXX XXXX ID number XXXX and advised her of the situation and due to COVID 19 credit card companies are to work with their customers. She stated that she would not give any credits and COVID did not apply to my situation. She stated that I had a late fee seven months ago. I advised her that it was due to that Capital One took over Walmart credit card which I had set up on bill pay with XXXX  XXXX XXXX. To this date I am still not able to this account to bill pay with XXXX  XXXX XXXX. She stated that I should be set up on alerts and I advised that I did get the alert that was telling me that my payment was not made. All of other credit card companies send out reminders a week to three days in advance. I asked for her manager and she advised that there is no one over her to speak too. 

This is poor customer service not to be able to speak to someone hire than the person you are speaking to on the phone. She did not even give the option to send a letter. I had to XXXX Capital one complaints to find this address. 

I then called back again and spoke to XXXX Id number XXXX and she stated the same information as she is reading from a script. As a Manager she should have been willing to assist me and not aggravate me. 

With everything going on in the World with COVID 19 credit cards are pro-actively sending communication to assist their customer during these difficult times. 

My spouse and I have several accounts with Capital One and would not recommend to my family or friends to open an account with Capital One. 

I am also going to file a complaint with The Consumer Financial Protection Bureau for further attention.

Company response to consumer: Closed with monetary relief