vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The company in question is NCAA. National credit adjusters. I had to delinquent accounts with them and back on XX/XX/2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45 days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check # XXXX funds ( principal, interest, Escrow ) applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unable to withdraw my own funds at Bank of America ATM. I have tried on four different occasions and every time the ATM says " temporarily out of funds. '' I contacted BofA and was told my options are to go to a business and use my debit card, and request money back, or to use another ATM machine for which I would be charged. I told BofA that my friend uses XXXX ATM and has never had a problem getting money. BofA told me that they do not know anything about XXXX. I told BofA that maybe they should check with XXXX and find out how they handle their ATM 's. I have plenty of funds to withdraw and now I do not have access to my own money. The last time I tried was today, XX/XX/2020 ; the ATM will take a deposit but will not issue cash. My husband and I are high risk ; he is XXXX and I am a XXXX. Both of us are seniors.

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 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX Transaction ending in XXXX on a credit card debt to XXXX XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX Account was sold to LVNV FUNDING LLC. I have been disputing this debt with the credit bureau in attempts of getting this off of my credit report. I finished paying the settlement over a year ago. I have also tried to get this resolved with the credit agency trying to collect the already pain debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear American Express Bluebird : Please find the attached documents submitted and confirmed receipt on XX/XX/20 regarding my account was debited {$400.00} in error from a failed ATM transaction. As the account has not yet received a proper credit, I would appreciate a prompt resolution by issuing a credit of {$400.00} to the account. Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr cooper is not accepting any calls to service loan. I have called their service number XXXX over 10 times to talk to a live person at XXXX XXXX east coast pressing every number to get though and the company says to call the number I just called XXXX. All I need is to talk to client relations to fix my payment and i have tried every way even calling though their mortgage dept. XXXX. Can you help me talk to Mr Cooper?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The company in question is XXXX. XXXX XXXX XXXX. I had to delinquent accounts with them and back on XX/XX/XXXX of 2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45  days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Around XX/XX/XXXX, Huntington Bank deemed my account to be " risky '' and chose to close the account. Over the following 2 weeks additional deposits were made to the account, hoping the account would become re-opened based on documentation I was told they needed. 

They chose to instead close the account with almost {$9500.00} in the account. As of today, XX/XX/XXXX, the account still has they money, and they continue to deny my access to the money, allowing me to transfer to my XXXX account. At the same time, they have not completed final closing and mailed me a check. 

That is quite a bit of money they are choosing to hold onto. They are the WORST bank I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

addresses not mine 

accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education

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 2020-07-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

addresses not mine 

accounts 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently sent letters over 45 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I recently applied for a Diamond Preferred credit card with Citi bank. The reason for applying was for the promotional balance transfer offer of no interest for 18 months. I read through all the fine print in my disclosure provided with the credit card as well as the disclosures when I applied for the card. There is no where in the disclosures that prohibit balance transfers from one citi card to another, however when I called to complete my balance transfer the MSR stated they could not do it from one Citi card to another Citi card. In addition, the MSR openly admitted that this restriction is not in the disclosures. Per Regulation Z, promotional offers and restrictions should be listed in the disclosure and they were not, which is misleading and deceptive according to UDAAP. In addition, this has caused a negative impact on my credit since I would not have applied for this card if this restriction was evident.

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 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: NH

Complaint narrative:
On XX/XX/XXXX Phoenix Financial Services, LLC called at XXXX XXXX claiming I owed XXXX. I apologize that I dont remember the name of the lately I spoke with because it was never clearly stated to me. The debt I owed was also never clearly stated to me. I asked her simple questions regarding the debt. She told me it was from a ER visit back in XXXX. That visit was because I was XXXX assaulted but, was not going to go into those details with her. I kindly explained to her that I had visited that hospital on a couple different occasions and that they definitely has my health insurance card on file. She explained to me they didnt and even if they did it was to late to process the payment with the health insurance. I kindly told her I had never received record of this debt prior to to this conversation I had with her. She then told me yes you have we spoke on multiple different occasions. I let her know that was inaccurate and asked her how she got my phone number as I had changed it when I moved. She then proceeded to yell at me and say she was not going to continue this argument and that she would be reporting me to the credit agency. I let her know she could not do that because I never received any information regarding this bill and never knew I owed anything to the hospital because they had my health insurance card on file and never sent me a bill. I do not want to have contact with this company ever again. I asked them to not call my phone again however, they placed there account in collections on my credit report leaving me no choice to have to reach out to them again. I will not be harassed by a company who is bringing up a triggering time and now effecting my credit for a situation I never deserved to be in. Please, help me and get them off of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX to remove and block these items.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My application for a credit card was denied by WellsFargo due to my national origin ( not a U.S citizen ) which is contrary to the federal equal credit opportunity act. My application was solely denied due to my national origin, not due to a low credit score or any other valid reason. 

For the records, my credit score is excellent ( XXXX with XXXX and XXXX ). I am a legal resident XXXX  in the U.S, and WellsFargo was the first bank I opened an account. To be denied by the same bank due to my XXXX orientation and national origin is totally unacceptable and contrary to the conduct of the bureau of consumer financial protection and the federal equal credit opportunity act.

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The closing company and I have been trying to get a payoff statement on my townhouse from Shellpoint Mortgage Servicing. The request was made on XX/XX/2020 and as of XX/XX/2020 we still do not have a payoff statement. I closed on my townhouse on XX/XX/2020. However, since we haven't received a payoff statement the money is sitting in an escrow account waiting for the statement before the funds can be distributed which cost me an extra {$400.00} at closing. I have called Shellpoint Mortgage Servicing almost every day complaining, and I keep getting excuses like it takes 3 weeks, the computer says, " waiting for fees, there was an error, and even it is being sent. I am very frustrated. I am an older lady and never in my life have I dealt with a company so incompetent. Someone needs to look into why Shellpoint Mortgage is still allowed to services mortgages. A payoff should part of their normal business processes and not be this difficult.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NC

Complaint narrative:
I recently sent letters over 45 days ago to Equifax and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Millco Management
State: FL

Complaint narrative:
I have written to Amerifinancial, XXXX XXXX XXXX, and XXXX XXXX   several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. AmerifinanciaXXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that HYUNDAI FINANCE performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 

1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 
3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion 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 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Transaction ending in XXXX on a credit card debt to XXXX XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX Account was sold to XXXX XXXX XXXX. I have been disputing this debt with the credit bureau in attempts of getting this off of my credit report. I finished paying the settlement over a year ago. I have also tried to get this resolved with the credit agency trying to collect the already pain debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened complaint XXXX with CFPB and I never got a call from my credit card company and when I called them back there were many inconsistencies. 

1 ) First they told me they reversed my credit limit from {$8500.00} back to {$6000.00} in XXXX, then they said it was done in XX/XX/XXXX2 ) No one ever called me from the bank to discuss the issue 3 ) When I check my credit limit today its still at the {$8500.00} limit, not {$6000.00} 4 ) They rejected my request for a modest {$25.00} credit for all this aggravation I would like to discuss my issue with someone from the bank, I believe they owe me a call to discuss my complaint. Customer service says they can not tell me who worked on this.

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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XXXX XXXX, 2019 I cancelled a transaction on Paypal and authorized a refund. On the same day, Paypal received {$580.00} from me. All of this is confirmed in Paypal 's own records. Paypal never sent the refund, and kept the money instead. I have spent more than a year trying to get Paypal to deal with this. I have spent over a year with Paypal stalling, ignoring, insulting and lying to me. They always claim ignorance and claim they can't find anything in the records about it, until I show them Paypal 's own records which confirm everything I have said. Then the wild lies start. They claim a wide variety of conflicting things, including a claim that Paypal actually has " secret '' records which are the true records, and the records provided to the customers are all false. My personal favorite lie was when the Paypal representative said they hadn't sent the refund because the person to receive the refund has " insufficient funds '' in his account ... huh? How much does he have to have in his account to receive money from me?? And the representative still didn't seem to think Paypal would need to return the money to me in that case. The point is : Paypal will take your money, and keep it. And then refuse to return it ... no matter how much proof there is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX XXXX I made a payment to Kohls for {$170.00} I spoke to a representative, and she insured that she would take it from the card on file. I received email confirmation of the payment. A week later i received a noticed saying my payment was 30 days late resulting in my credit dropping XXXX points. 

I have been severly affected my XXXX by losing my child. I have submitted 4 disputes with the company, as well as with the credit bureau. I was refunded the late fees but they refused to report the item as not being 30 days late. I asked if a goodwill letter could be extended as a courtesy to remove the late payment due to employment reasons. I advised the supervisor of me relocating, and being affected with XXXX and losing a family member. He said since i tried to pay it then he cant do anything. The agent also stated there isn't anything he could do and disconnected the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

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 2020-07-23 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: R.M. Galicia, Inc.
State: FL

Complaint narrative:
I have written to XXXX, PROG MGT SYS, and XXXX XXXXXXXX   several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation