vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 I made a purchase with XXXX using my Bluebird American Express card. I was double charged for the amount of {$170.00}. 

On XX/XX/2021 I went to XXXX. I went to pay using my Bluebird American Express card. My bill was {$130.00}. I was unable to use my Bluebird card. It said that it was " unable to process ''. It was not declined. I had to use my Visa debit card to pay for my bill. I was unable to check my app to see what was going on, also customer service was unreachable. You were greeted with a message saying " due to high call volume no one was able to take your phone call at this time ''. Really? My money is unavailable. And no one can take people 's phone call? 

I was able to finally log on to my app at XXXX. I was ENRAGED to see I had a XXXX DOLLAR balance. I was charged by Bluebird {$150.00}, and charged again {$140.00}. My charges say " ON HOLD ''. 

I thankfully do not ever use this account. However, this is disgusting. I can not reach anyone at this company. I called the main number to American Express a few times, and I called XXXX twice for my money back ( they said I have to call the card company ). I waited on hold for one hour to get through to someone, explain my situation, tell them I want the charges reversed to get my money back TO GET LAUGHED AT AND HUNG UP ON. I would like an answer, I would like my money back, and I would like this company prosecuted!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon, my name is XXXX XXXX, I have been receiving letters and calls from creditors trying to collect several accounts that are in my name but that I was not aware of, I have not asked for credit cards I have only one credit card from the that I am responsible with XXXX XXXX XXXX. Please can you help me verify those accounts that are not mine. thank you I mention them below -XXXX XXXX XXXX XXXX. XXXX  XXXX -XXXX XXXX {$2300.00} account ending XXXX -XXXX XXXX  {$26000.00} -XXXX {$850.00} - Capital one bank usa n balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NV

Complaint narrative:
I have determined that there are some creditors listed on my credit report that does not belong to me. I have listed it in the report. Please remove them.

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 2021-03-14 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: NV

Complaint narrative:
I have determined that there are some creditors listed on my credit report that does not belong to me. I have listed it in the report. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent in a follow suit letter to XXXX and Equifax about the XXXX XXXX XXXX collection because XXXX  removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I received over mail a pamphlet, with my name to my home address, inviting me to earn {$500.00} when opening a checking and savings account with TD Bank. 

Given that I didn't receive the bonus in the stipulated time, I first reached out to customer service online, who indicated to go to a branch. I went to a branch last week and was told that they were going to look into my account and reach out to me. I didn't receive any news, and thus I went to the branch again today. The salesperson indicated that he would look into my case again, but that likely the reason that I might not get the bonus is that I had received that bonus in the past. 

The pamphlet states that one of the conditions to earn that amount is : " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months ''. 

I indeed had a checking account for which I received a bonus and closed the account on XX/XX/XXXX. I opened a new account after receiving this pamphlet in XX/XX/XXXX. 

I would understand that I wouldn't be eligible for another bonus if the pamphlet stated that someone receiving a bonus in the past would not be eligible for a new one, but it doesn't say that. It only states that I don't have to have a personal checking relationship within the preceding 12 months, which is true. 

I have complied with all the other conditions stated in the pamphlet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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: Rushmore Service Center, LLC
State: NJ

Complaint narrative:
I FILED AN FTC COMPLAINT AGAINST XXXX XXXXXXXX XXXX BACK IN XX/XX/2020, FTC FILE # XXXX. THIS COMPLAINT WAS FILED DUE TO FIRST XXXX XXXX 'XXXX FALSE AND DECEPTIVE ADVERTISEMENT TACTICS OF CREDIT PROTECTION. THE CREDIT PROTECTION PROGRAM XXXX XXXX CHARGED FOR EACH MONTH WAS IN THE EVENT OF LOSS OF EMPLOYMENT, OR NO LONGER WORKING, THE CREDIT PROTECTION THAT THEY CHARGED YOU FOR EACH MONTH WOULD PAY THE MINIMUM MONTHLY CARD PAYMENT EACH MONTH FOR UP TO A WHOLE YEAR. HOWEVER, ONCE THE COVID 19 PANDEMIC STRUCK AND SHELTER IN PLACE ORDERS WERE IMPLEMENTED FOR THE STATE OF NEW JERSEY, THE COMPANY BEGAN REPORTING DELINQUENCIES TO THE CREDIT BUREAUS EVEN AFTER ADVISED THAT I WANTED TO USE MY CREDIT PROTECTION THAT I HAD BEEN PAYING FOR. THE CREDIT PROTECTION PROGRAM WAS A FRAUD, MORE OF A SCAM IN ORDER TO GET EXTRA MONEY EACH MONTH OUT OF CONSUMERS. AND THE COMPANY WHILE ON THE CREDIT PROTECTION PROGRAM SENT OUT THREATENING LETTERS THAT STATED THEY WERE REPORTING NON PAYMENTS/DELINQUENCIES TO THE CREDIT BUREAUS. AFTER I CONTACTED XXXX XXXX XXXX CERTIFIED MAIL WITH A DISPUTE LETTER. XXXX XXXX XXXX FAILED TO RESPOND TO THEIR FRAUDULENT CREDIT PROTECTION PROGRAM. INSTEAD, XXXX XXXX WAITED NEARLY 8 MONTHS LATER FROM XX/XX/2020 AND RE-SOLD THE EXACT SAME ACCOUNT TO RUSHMORE SERVICE CENTER. AS A RESULT, I HAVE FILED AN FTC COMPLAINT AGAINST RUSHMORE SERVICE CENTER. THE FTC FILE # IS XXXX. NOW RUSHMORE SERVICE CENTER IS CONTACTING ME REQUESTING PAYMENT FOR THE EXACT SAME DISPUTED ACCOUNT THAT XXXX XXXX IGNORED ALL CERTIFIED DISPUTES ON WHEN THEY RECEIVED THE DISPUTE LETTERS CERTIFIED MAIL. THESE TYPES OF UNETHICAL BUSINESS PRACTICES NEED TO END. AND COMPANIES SUCH AS XXXX XXXX XXXX TOOK ADVANTAGE OF VIOLATING THE LAWS OF THE FTC DURING COVID 19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: AL

Complaint narrative:
I've sent in disputes on XX/XX/2021 and XX/XX/2021 to XXXX and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.

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 2021-03-14 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: Gitsit Solutions, LLC.
State: NJ

Complaint narrative:
I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good afternoon, I am writing to you regarding an account that I have previously disputed in XXXX  that account is not mine and it is damaging my credit history, I do not have nor have I had a credit card in the past with the Macys department

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 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has declined to make my economic impact payment of {$2800.00} available and has stated more than once that they will make the funds available even though that have received the funds from the treasury department early. They received my federal tax refund and made that available early. It was made available XX/XX/21 with a scheduled deposit date of XX/XX/21. Both the economic impact payment and the federal refund come from the treasury department. Large banking institutions holding funds that are to be dispersed to struggling Americans is corporate greed. Its wrong and it should not be allowed. The president announced we could receive these funds as early as this weekend, and some people have began receiving their payments as of Friday, XX/XX/21.

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 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've sent in disputes on XX/XX/2021 and XX/XX/2021 to Transunion and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.

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 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt. 


Validation Letter sent to : XXXX XXXXXXXX XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

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 2021-03-14 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: GA

Complaint narrative:
Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX XXXX XXXX XXXX. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank promotion : If I deposit $ XXXX.into a new checking account, leave a minimum of {$50000.00} in the account for a minimum of 60 days, Citibank would deposit {$700.00} into that same account. 

I made the {$50000.00} dollar deposit on XX/XX/XXXX, my 60 days were over XX/XX/XXXX. 

I called Citibank around XX/XX/XXXX to see why the promotion money has not been applied. The customer Service Rep said " it can take up to 90 days to see the deposit '', Wait ... what,? 90 days in this world of automation?.

The Rep also stated that to avoid any service charges on my current account, I had to maintain the {$50000.00} balance.

So, it works out that Citibank is keeping my money for 150 days before they apply any promotion money.

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 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
1. I opened a new checking account XXXX in early XXXX to take advantage of an offer from the Bank of America : Open new account with outside funds for at least {$50000.00}, maintain the balance for 60 days, receive a bonus of {$500.00}. 
2. I followed the conditions with deposits totalling {$50000.00} on XX/XX/XXXX and no withdrawals for the following 60 days from the no-fee account. 
3. Bank of America did NOT follow acceptable or expected rules, since a with withholding on XX/XX/2020 was taken from the account principle rather that from the interest paid that day This lowered the principle momentarily to {$49000.00}. I would not have expected that a deposit to an account with no fees could decrease in value since no withdrawals were taken. 
4. When the account was initiated, I had a phone call with a representative to be sure I followed the procedures to receive the interest bonus. Starting in mid-XXXX of this year I have had 5 more phone calls speaking with various BofA representatives, and each representative has agreed that I satisfied the rules for the promotion and should be credited with the {$500.00} bonus. The most recent call assured me that an account with no fees ( balance over {$10000.00} maintained ) and no withdrawals could never AT ANY TIME decrease in value. I was also assured that withholding is paid out of the interest payment, and it is not taken from the principle. 

I should have received the {$500.00} bonus to my account over two months ago. Bank of America should make good on the bonus offer 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 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: VA

Complaint narrative:
Ticket numbers : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These are just some of the ways I have tried contacting American Financial Resources about getting our property taxes paid. I contacted them via phone multiple other times with no help in getting our taxes paid. The customer service representatives only stated " it was a process ''. Our property taxes are now 3, almost 4, months over due. We keep getting notices in the mail from the XXXX County VA Treasurers Office. I have emailed the notices straight to our loan company with no response. 

XXXX of XXXX our loan company failed to pay our home owners insurance blaming it on our closing lawyers office. It stated in the paperwork our home owners insurance and taxes were only paid in full for 3 months then the responsibility fell to our loan company. 

We have had issues getting in contact with the loan company. I have called and left voicemails and sent multiple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: PREFERRED CREDIT INC
State: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, PREFERRED CR that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation