vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
I had previously been a XXXXXXXX XXXX savings account customer. On XX/XX/XXXX, I re-opened an account to take advantage of their interest rate structure using XXXX XXXX miles, as I plan to begin traveling more again. My account was re-opened, and on XX/XX/XXXX, after linking an external account, I initiated a transfer of {$5000.00} from my XXXX XXXX checking to my XXXXXXXX XXXX  savings account. The next day, XX/XX/XXXX my account was locked, and I could not access it online. I called their customer support number and was told that " someone would reach out to me '' to resolve this issue. However, on XX/XX/XXXX the transfer that I had initiated was completed, and {$5000.00} was taken from my checking account and deposited into my XXXXXXXX XXXX savings account that I can not access. I called the customer support number again to explain the situation, and was told that all I can do is wait for someone to call me back. Until then, I have no recourse for getting my money back and still no access to my account. I was frustrated enough when they locked my account, which they have not been able to give me an explanation for over the phone, just stating that it is " in review, '' but the fact that they still completed the transfer AFTER locking my account is completely unacceptable, as now I no longer have access to those funds. They need to make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCP Holdings, L.P.
State: OH

Complaint narrative:
I have asked for proof of this debt because I know the social security number belonging to the loan doesn't belong to me. 

Therefore I am not responsible for this debt and would it removed from my credit.

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 — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I signed up for a 360 Checking account based the promise of a {$400.00} bonus. I complied with the terms, but the bonus still has not been paid. The terms said they would credit the bonus by XX/XX/2021, and that is today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
American Credit Acceptance is administering my car loan payments in a fraudulent way. I signed a XXXX year loan ( from XX/XX/XXXX to XX/XX/XXXX XXXX for a XXXX XXXX XXXX. It's Year Seven and I am still paying on the loan AND THEY CLAIM THAT I STILL OWE {$15000.00} ON A {$29000.00} loan. They are fully prepared to charge for the next three years. That's 10 years for a 5 year car loan. Please help me get my Title from American Credit Acceptance. I am now at my Maturity Date and I have made all of their payments and XXXX additional payments in interest. They still want more. This is unfair. They are taking advantage of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filling this claim against my mortgage servicer. They have refused to provide ANY paperwork directly to me, they have been sending all correspondence related to my mortgage servicing to their lawyers office. I have written and spoken several times with them regarding this issue, to no avail. They continue to purposely neglect to send my legal correspondence to me to this date. 

Additionally, they have been manufacturing and applying late charges, home inspection, to my mortgage account on a monthly basis. They have been using the illegal tactic of " pyramiding '' late charges to the tune of {$9400.00} to this date and counting. They have also charged my mortgage account for XXXX of dollars on " home inspection fees ''. And they have charged my account for " legal fees '' paid to their legal counsel and applied those charges to my account, disguised as " late payments ''. 

They have also ruined my credit by posting this criminal entries with all 3 credit bureaus. 

There are numerous illegalities that this company has perpetrated against my person and my families well being. 

Please, look into this companies abhorrent and illegal collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
There is a collection that recently appeared on my XXXX report that i did not recognized. It was reported on XX/XX/2021 to XXXX, on XXXX it does not have a date. 

I called XXXX XXXX XXXX XXXX which is the phone number on the collection on XXXX and XXXX and they asked me for my social security number, however the last name they have according to them is XXXX XXXX. I explained to them that this should be fraud because that is not my last name, has never been my last name and I did not recognize that balance or account. I told them that I needed that removed from my credit bureaus ASAP since that did not belong to me but they said I should then contact credit 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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a mailer to apply for the Citi / Aadvantage platinum select credit card. 
The terms on the offer clearly state " EARN 60,000 AMERICAN AIRLINES AADVANTAGXXXX BONUS MILES AFTER SPENDING {$3000.00} IN PURCHASES WITHIN THE FIRST 3 MONTHS OF OPENING YOUR ACCOUNT. AMERICAN AIRLINES AADVANTAGE BONUS MILES ARE NOT AVAILABLE IF YOU HAVE RECEIVED AMERICAN AIRLINES AADVANTAGE BONUS MILES FOR A NEW CITI AADVANTAGE PLATINUM SELECT ACCOUNT IN THE PAST 48 MONTHS. The same terms are listed clearly on their website - https : //creditcards.aa.com/citi-platinum-card-american-airlines-wand/? utm_medium=referral & utm_source=aa & utm_campaign=ccpage I accepted the offer and was approved XX/XX/XXXX. I met the requirements for this bonus XX/XX/XXXX. I previously had applied for this card XX/XX/XXXX and received a sign-up bonus on this card XX/XX/XXXX, so I met the terms of it being 48 months from the last time I received this bonus. When I called Citi bank they told me I wouldn't qualify because I had the card open in the last 48 months. I told them it doesn't state that anywhere! Not on their website, on the application, not in the disclosures. That is a bait and switch making up rules where I wouldn't qualify that aren't made known anywhere, and when based on the mailer I received and the application page of their website I have met the requirements and would qualify for the sign-up bonus. This is unethical behavior! My sign-up bonus should be honored!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I sent out a letter with the accounts I fount error with about a XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
i am still paying for private student loans for a XXXX program that no employer wants to aknowledge .... XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently opened a savings account with Citi on XX/XX/2021. My savings account application reference number # went under review & closed until I sent over documents such as a utility bill and my drivers license. After I sent the documents that were needed, I was told that the review specialist rejected my utility bill because they couldnt verify it. It is now XX/XX/2021, Ive sent the only utility bill I have more than 3 times and confused on why the utility bill I sent was rejected. The utility bill has my name and address on it. So XX/XX/2021 I also sent my lease agreement because it includes my water and trash bill. That also was rejected. Im very disappointed in how I was given the run around with multiple representatives telling me I wasnt going to be able to receive the {$500.00} back that I initially deposited from my XXXX XXXX checking account. Then some time in the beginning of XXXX a woman by the name of XXXX XXXX ( Executive Response Unit ) with Citibank Client Services contacted me to further assist me with more direct contact with Citibank verification department. She was the only one who explained a couple of things to me. She did let me know that I sent my lease agreement from last year and not the current year, which is why they rejected that. So XX/XX/XXXX, I sent the current lease agreement with the correct dates and also the water bill and trash bill that the apartment complex has the service with along with my payroll stub. They also rejected those with no reasoning. Everyday I have checked the Citibank mobile app to make sure my funds are still there, on XX/XX/XXXX the funds were withdrawn by Citibank and put in their ledger. On XX/XX/XXXX, XXXX called me to let me know that I wouldnt be able to get my money back until I was able to verify still when previously I was told that if I didnt verify they would close the account completely and mail me a check. But now its a complete lie that they told me. I even asked if they could just transfer the money back into my XXXX XXXX account and they wouldnt even do that. I needed the money for medical expenses ( XXXX ) and now Im behind on that bill because of this situation. It's been more than a month, all I want is my money to be refunded and returned to me.

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 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXXXXXX  and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Southwest Collection Svc was a collection agency that I owed money for an eviction to. I was able to pay half of the money owed. This credit account passed the 7 year mark and fell off my credit last year. I had a credit alert that this creditor pulled my credit on XX/XX/21 as a hard inquiry for a new installment loan or new bank account inquiry. I did not give permission or apply for any new loans through this company and now they have all my personal information. This company has threatened me to put me in jail and to sue me again. I feel this company has been collecting on debts by harassing and illegally damaging peoples credit without the legal right to do so. They need to be stopped and be held accountable for their collection procedures. I have a copy of the credit report that was illegally pulled after it had fallen off my credit report. I have already reported this as a fraudulent inquiry with the credit bureaus. To recap : a new account inquiry for an installment loan or new bank account was pulled on my credit on XX/XX/21. When I checked my experian account it was placed from an old creditor that has fallen off my credit report after 7 years. I did not authorize or apply for this company to do this. 

The company is : Southwest Collection Svc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hi my name is XXXX XXXX and i have a prepayed unemployment pua card from ohio.so i noticed on XX/XX/2021 the the XXXX XXXX where i was staying at the time.chaged my card 4 times..in one day..all 4 charge 's where alot..the first was XXXX then XXXX and XXXX and then XXXX ..i informed the manger  at the XXXX XXXX..he assured me that this wasn't ment and he would fix it right away..it was a Saturday XX/XX/2021 So i contacted card service 's and they said to wait to see if he fixed it.well next thing i know im at the dmv getting plates for my sons car and my card is frozen and has been since. That was XX/XX/2021 ive been asked and told several different ways to prove who i am ... ie fax email and selfies and done evey one.many times .for almost 2 mo..to no avail..the just tell me to resubmit my paperwork..because ALL I HAVE IS A PAPER COPY from job and family services..everything was stolen from me while i waited for my pua to come..it took 10 mo ... im not born in ohio so my birth certificate is XXXX and they wanted another XXXX for my ss card..i have noone..and with out my money..im back to home less and my car was imponded 2 weeks ago.i need my money desperately and idk what to do..all i have is this papper copy from job and family services..please help me Usbankreliacard  ...

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: 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: NY

Complaint narrative:
On XX/XX/2020 I was on a plane to XXXX, as I was going to be in XXXX my Mom was monitoring my credit and saw something go through while I was on a plane, she didnt know you could buy wifi or pay my bill on the plane which is what I did and reported it as fraud thinking I was on a plane. This was corrected the second I landed and could receive text messages, the mistake was corrected yet Capital One shut down both of my cards even though I never missed a payment, knowing this would leave me having difficulties in a Conflict Zone. Their excuse was we can shut your card down for whatever reason we see fit and youve barely been a costumer for a year, therefore severely damaging my credit report and taking money out of my Mothers account unauthorised after they shut down the card and after my Mom stated she would not authorise anymore payments to them since they closed two cards, one with no issues and one with a mistake, their main reason was I was only a Costumer for about a year.

Company response to consumer: Closed with monetary relief
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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting my last late payment at XX/XX/XXXX when XXXX is reporting XX/XX/XXXX. I have disputed this two times and while XXXX provided the correct date, Experian is still using the incorrect ( and more recent ) date that's negatively impacting my XXXX score.

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: 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I was denied credit based on information the lender obtained from SageStream on XX/XX/2021. I had never heard of Sage Stream before. I attempted to obtain my credit file from SageStream. SageStream requests a completely excessive amount of personal information before allowing me a copy of the report. They want my government issued ID, as well as a copy of my Social Security card and either a current utility bill or my W2 with my address on it. I am not comfortable providing all of this information to some company I have never heard of when the three legitimate credit bureaus have never asked for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX - this company posted to my Credit report. 
I have phoned and tried to locate an email numerous times and have been unsuccessful. 
On XX/XX/XXXX - I sent a letter to verify validity of debit - I have had no response yet this company has been submitting to my credit report twice a month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
THIS IS A NEW COMPLAINT THAT INVOLVES NEW ISSUE AND NEW DATA THIS IS NOT A DULICATE COMPLAINT On XX/XX/2021 @ XXXX XXXX I spoke with XXXX from SPS who works for the Ombudsman department. He stated that SPS does not care if XXXX XXXX XXXX. XXXX XXXX my home loan that they were going to foreclose on my home anyway. He basically said since SPS ( a servicer ) was the only one attempting to collect from the companies prospective, they were going to foreclose even if they are not representing the CREDITOR. I showed him all the paperwork that proves that this is an illegal foreclosure and he stated that it did not matter what I said or what he saw they were going to sale my home. 
HE BASICALLY ADMITTED TO ME AND MY WIFE THAT EVEN IF THEY DID NOT REPRESENT THE TRUE CREDITOR THEY WOULD STILL FORECLOSE. ADMITTING THAT THEY DID NOT CARE IF THEY BROKE THE LAW TO FORECLOSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am having an issue with Experian in reference to the details that they are reporting on the membership side of my credit. This is directly affecting my FICO Score. I have repeatedly reached out to their company only to be yelled at by their customer service agents and told that theres nothing they can do and to reach out to different parties that have nothing to do with what Experian is reporting. I am enrolled in Experians monthly membership that allows me to view my credit report at any time. There are no negative indicators whatsoever on my credit report. A fact that the Experian customer service representatives have acknowledged multiple times. The issue is on the membership side of Experian it is showing that I have a serious delinquency of 60 days or greater and that I have one account with a late payment indicator. This is not present anywhere on my credit report and I am asking Experian to correct and update the information that they are reporting. They have refused and failed to do this on multiple occasions. If my credit report is not reflecting any negative indicators I should not have negative indicators on the membership side of Experian that they are sending to FICO. Please help.

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