vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
On XX/XX/2016 KLS Financial Services add a derogatory mark on my credit report per XXXX XXXX and XXXX  report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, KLS Financial Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have a credit account with XXXX XXXX through TD Bank. Im trying to make a purchase however TD Bank is telling them I am ineligible due to my account status. I have paid them on time and ahead of time. Ive attempted to contact XXXX and TD bank. On XX/XX/14 I spent 3 hours on hold with TD Bank and never got anyone to answer the phone. I have loaded a screenshot of the call time. 

The number Ive tried calling is XXXX. I even called at the time their call center opened and was on hold for 30 minutes without an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX  medication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: OH

Complaint narrative:
I paid a collections on my Equifax credit report on XX/XX/20 and the collections company notified all 3 collections company on XX/XX/20, all but Equifax removed the negative information. I have file 3 disputes and it is still showing on my report. I eve called the Collections company and they advised me again that they notified all the credit bureaus. Equifax claims they never received that information. Even after I filed the disputes. I filed 2 disputes in XXXX and XXXX in XXXX and still no resolution. I have called Equifax numerous times and no one seems to know what's going on. I called on XX/XX/XXXX and I checked my Equifax repot and in less than 24 hours my score dropped 31 points. I advised the company that I had the receipt of the payment and that all they needed to do is contact the agency to verify payment. This is very frustration because I am doing all the leg work and all I get is " I'm very sorry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed the account in question countless times, and have been restricted from disputing any longer due to the issue being " resolve '' as no change numerous times. The account has been paid in full in response to a charge off on the account back in XXXX. I paid the remaking balance owed to the creditor in XXXX and have disputed the status which shows as Potentially Negative and Derogatory/Charge-off instead of showing as Current/Paid in Full. The account is closed but still affects my credit and ability to be offered credit as it is visible on my report as negative and has been for almost a year since I paid it fully on XX/XX/XXXX and have since disputed it with no change to the account. I would like this entire account to be removed as it is not benefiting my report in any way and is only negatively impacting my report due to a lack of experienced investigation into the matter on Experian 's behalf.

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 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Asked them to stop Calling me as I am using a third party service to settle my debts. They have continued to call me, most recent XX/XX/2020 and XX/XX/2020. They have also called my MOTHER and my FATHER post me asking them to cease calling. My mother was contacted yesterday, XX/XX/2020, after I again asked the woman who refused to identify herself on my phone for several minutes, to stop calling. This is harassment and I want it to stop. They had ceased Calling for several months and I do not know why they have started again. The company is American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I attempted to pay my mortgage on XX/XX/10 to find that there was no information about it on the XXXX website and it was paid in full. I have attempted to call XXXX 11 times and sent 2 messages asking where my loan was sold to. I am unable to get to a representative and the automated system is not helpful and disconnects me. I have no idea where my loan was sold to and was not notified as required by law. I need assistance to find out where my loan is and how to pay it.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX medication.

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 2020-09-15 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: AR

Complaint narrative:
I have been going back and forth with XXXX, XXXX  and Equifax on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT

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 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have no idea about this collection acct from National Credit systems

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i got a notice that a Inquiry inquiry came up on my credit report from itc .Im assuming its some type of collection system but they have it where my address is somewhere in Texas and when I disputed it with Equifax they said that it was accurate I have never ever lived in Texas so I want it off my record because that is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
Sent wire for full payoff amount on mortgage on XX/XX/XXXX ; As of XX/XX/XXXX, bank says they won't process it until XX/XX/XXXX but the funds were electronically transferred. I see no reason for bank for legitimately delay the payoff processing by over a week so as to collect interest on the outstanding balance. They should process the payoff as of the day the wire is received and, if the wire transfer exceeds the daily interest charges ( which it would ), they should refund the difference between whatever has been sent in and what is *actually* due as of the time the payoff wire hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I tried to use my XXXX  device to login to my cash app and I verified with SMS and Email upon login. Even though I did that I still could not make purchases or send ANY money from my new device although I was on my home network and I didn't purchase anything extremely out of the ordinary. So I try to send a friend XXXX $ and Cashapp ( Square Inc. ) asks that I send from my mobile device ( which I could not do which is why I was on my XXXX in the first place ). After this I was given no opportunity to verify myself further. I attempted to use  my card for a XXXX $ and XXXX $ dollar purchase at a local cookies store and they blocked this payment too even though I eat there regularly. Shortly after my purchase declined ( even though my balance was XXXX $ ). Then I receive an email telling me my account has been locked for my protection. This is not fair as I now can not spend my own money because Cashapp ( Square Inc. ) uses a bot to detect fraud not manual review. I have also searched for solutions from people who have experienced similar troubles with Cashapp and they all have said Cashapp has not helped them with the problem after MONTHS. I am not in a financial position to go back and forth with Cashapp 's bot support system for let alone one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
XXXX and XXXX XXXX Loan number XXXX XXXX contact number XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : Mr Cooper/Nationstar loan servicer is continually applying payments improperly and proceeding and engaging in inaccurate accounting practices. 

There have been over 5 attempts to resolve this issue via phone calls and lastly by emails with Mr Coopers customer service over the last 45 days. 

I have requested that {$1000.00} payment made on XX/XX/XXXX be applied to XXXX payment and {$1000.00} payment made on XX/XX/XXXX be applied to XX/XX/XXXX payment. 
I have been assured each time this would be taken care of and there would be written notification. This has not happened. 
My daytime contact number is XXXX I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days See below : On Friday XX/XX/XXXX the following email was sent and received by Mr Cooper/Nationstar : Please accept this email as a formal complaint against your business. 
Per our phone discussions over the last few weeks I am requesting in writing this time to APPLY PAYMENT made on XX/XX/XXXX to XXXX payment and APPLY PAYMENT made on XX/XX/XXXX to XXXX payment. 
I hope this can finally be resolved. 
Thank you, XXXX XXXX Loan number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: NY

Complaint narrative:
I called KeyBank and they refused to close the account. wrote to them ( letter attached ) and they still didn't close the account. They keep charging me monthly fees. This s a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
This is not my debt, it just randomly appeared on my credit file XX/XX/XXXX XXXX I was a victim of identity theft, Ive reported the identity theft to the police and all 3 credit bureaus with no resolve, Please assist me with clearing my name ... Franklin Collection Service is the collection agency and the original creditor is XXXX, I dont have an account with XXXX  or Franklin Collections, Ive never had an account with them ... they claim I owe them $ XXXX..this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America acct opened in XXXX. They closed it XX/XX/XXXX. 
Last charge XX/XX/XXXX for $ XXXX, made payment in full for $ XXXX XXXX XXXX. 
Credit card limit XXXX. Every payment since XXXX was paid in full before 30 days. In XXXX and XXXX of XXXX I never received the statement as XXXX has not been delivering mail to right addressees. Once I notified the bank, I paid the lowest bill of less then {$300.00} to Bank of America, and they even waived the late charges due to my payment history. They said it would not effect my credit. 
I have no derogatory payments, late or in collections from any institution. 
I never got any letter leading up to the closing of the account. 
I am working with all three credit bureaus to dispute the late payment from Bank Of America back in XXXX. I had XXXX XXXX points that is cash that had of mine at the time. They said many of the points expired and I never got the cash amount. This is a personal card hurting my personal credit. To reach a high credit limit I had to have high charges with great payment history and the high amounts paid off. I am not treated like a valued customer as they say and if they actually looked into my account instead of sending a computerized impersonal letter, they would have seen I am a good customer who pays all bills on time, and the mishap in XXXX was brought to their attention right away and was paid. In 15 years I have never been late so I should not be faulted. 
Most of all they are ruining my credit and chances to get another credit card with A high limit which I worked hard for. 
Is it because of Covid and they are afraid I will charge a high amount and not pay and they could also expire my cash points that I rightfully earned? 
Their response was we can close an account any time for any reason? ..

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX principal payments were transferred from my personal account in house with bank of America to my mortgage account. Each time while on automatic payment for my loan, they have taken another payment with interest. Now for whatever reason for2 weeks I can not speak with them they just keep putting me on hold!

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Submitted a dispute regarding XXXX XXXX account on my report, the dispute is for a 30 day late that is incorrect. I've submitted XXXX disputes and each time the 30 day late is moved to a different month when I have not made any late payments on the account. Information is not being verified and it is just being updated to reflect incorrectly each time. No proof was sent regarding the verification, so I'm curious of how the updates are being verified

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 2020-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My issue is with the rules that banks use relating to safety deposit boxes. There was not really a category for this. My husband passed away. He had a safety deposit box with Wells Fargo. We have a trust, pour over will, etc. I also have both keys. Clearly everything goes to me. They would not let me in the box. I hired a lawyer and we did a widow 's plea which relieves them from any liability with regard to the contents. No go. Then I requested a will search so I could inventory the box. An old will was found but it superseded by the trust. Now I know there are just papers in there which most of them really don't matter. I have a new birth certificate and retitled the car myself. The only other thing is the deeds to our timeshares. But now because they want me to go through probate, this box will sit for 3 years at Wells Fargo and then 3 years with the state of PA before I can claim this. This is so ridiculous and not making any sense to me. Please help because this process really needs to be changed. I am grieving and don't need this hassle.

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I have had Chime Bank through the XXXXXXXX XXXX for a little over a year, and had thousands of dollars moving through it from employment, to tax returns, and unemployment. Chime bank Abruptly decided to close my account on XX/XX/2020, with out my consent. I had a total of {$6700.00} between my checking and savings accounts. I have repeatedly tried to have chime refund my money to me with out any success. They claim to have returned the funds back to the Massachusetts Department of Unemployment Assistants PUA. I have called Unemployment numerous times over the past 6 weeks. Seeing as I still have an active claim with them, they have informed me that they have not received any funds from chime bank on my behalf. The Unemployment office also indicated to me that they have had a lot of issues with chime bank, stating that the bank has not been returning peoples money. So I am hoping this agency can help  me resolve this issue seeing that this bank took my entire life savings from me.

Company response to consumer: Closed with explanation