vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS

Complaint narrative:
I have been receiving calls saying I have an unpaid balance with hsbc. I never had a hsbc cars. They keep calling and harassing people I know like I am a felon. First it was for a card ending in XXXX today it was XXXX. I never had no cards from them and the reference people they gave me I would not use them as a reference. I am being harassed and threatened with legal action daily. Sending paperwork asking me for a settlement of less than the amount. Contacted the better business bureau they referred me to you. Lady told me over the phone I had been served. Served what. I think my identity may have been stolen as my daughter moved out of a house and may have left paperwork with important numbers on it. Due to the fact the landlords daughter is one of the people they say I used as a reference and I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Commonwealth financial is reporting to collections outside of the statue of limitations. They are sending me to collections six years after a bill. They never sent me a bill nor contacted me. The statue of limitations to report a debt is 4 years this bill was from XXXX and didnt report it until XXXX. I want these bills removed immediately! It is in the amount of XXXX and some change. The company is changing their story and refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Kikoff Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Contacted company to be removed as an authorized user and is still showing on reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, all XXXX they applied my XXXX payment as a mortgage payment. which is correct, they applied my XXXX payment as a mortgage payment. which is correct. but they applied my XXXX payment as additional principal which is NOT correct. I discovered it because i was about to pay XXXX payment. i called three different days and talked to three different clerks. monday, XX/XX/XXXX, talked to XXXX at XXXX. he said it would be fixed in a few hours. tuesday, XX/XX/XXXX, i talked to XXXX at XXXX. she said that she couldnt do anything because its processing from monday. wednesday, XX/XX/XXXX, i talked to XXXX at XXXX, she stated that's she was having problems processing it and wanted my phone number to call me back when it was completed. i've had trouble with this company before and its not a good company. my opinion from being a mortgage holder. i need them to correct the last payment on XX/XX/XXXX and apply that for the mortgage payment as i had submitted it on their website. i submitted as a mortgage paymt. but someone changed it to additional principal. as you can see, they all are the same mortgage payment amount. i want them to fixed the ( error ) so that i can make my XXXX payment. the company action to fix it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dear CFPB, I provided on-line instructions to Goldman Sachs Bank USA ( doing business as XXXX ) to close my CD account ending in XXXX and transfer the proceeds to my savings account upon maturity. Instead, the bank renewed the CD account into a new 5-year term. When I find out I called the bank to complain, but they would not remediate this problem. The banks systems may not be working well, so Ill have to make sure I conduct all business on the phone and get a confirmation number. 

XXXX charged me {$120.00} and Id like to be reimbursed for this because I believe that this error in renewing my account when I expressly provided other instructions is negligent at best and illegal at worst. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of transunion misreporting.

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 2021-05-13 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: MS

Complaint narrative:
Debt not validated within 30 days of debt validation letter being sent. Being contacted after letter stated not to if debt not verified within 30 days return receipt states date is XX/XX/XXXX letter sent in mail XXXX i recieved communication on yesterday XX/XX/XXXX which is outside of the 30 days. They made sure to put no date on the letter as they knew it was well past the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I applied for a mortgage refinance from Caliber Mortgage on XX/XX/XXXX. They dragged the application processing by asking for the documentations multiple times while every time provided as per request. Finally I received a mortgage commitment on XX/XX/XXXX for a 3.15 % ( expiring on XX/XX/XXXX ). I contacted the agent as for the closing and was told that is in the work. Finally a week later he comes with a quotes of 3.75 %. When asked what happened to the 3.15 &, he said that they weren't ready when they sent the commitment. 
He then followed by committing the rate to 3.375 % APR. 
When the final approval arrived, noticed a closing cost of about {$7900.00} ( on a {$430000.00} loan ) and while the approval was issued, They still very continuing the screening : Asking for Tax Document Release, Contacting Employer for Verification, Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
Using binance.us, I had a chargeback occur of XXXX dollars. Deposited the amount after realizing and they took it immediately. But instead of that being done they locked any withdraws or trading, and I'm now stuck losing money in a position and can't sell or pull money out. This has been over a month now. I have opened multiple support tickets with zero answer and have XXXX them multiple times with no answer. They are with holding my money which should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/2021, I met with an individual to purchase a set of car wheels. After inspecting the goods, I asked the seller to provide his email address for me to send a XXXX payment. He provided his email address and I sent the payment. After a few minutes, the seller said he still had not received his payment. I went and checked the recipient email and he had made a mistake with the spelling and provided it one letter off from his actual email address. The erroneous email address he initially provided is XXXX, and that individual is a real person with whom I have never conducted business. 

I attempted to open a dispute through XXXX and they declined citing I sent payment as a friend and instructed me to submit a claim through my credit card, Citi Cards. I filed the dispute with Citi and after several months of providing all of the requested documentation, Citi provided a final letter stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. You will need to contact the merchant if you with to pursue this matter further. our investigation remains closed. ''

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On Monday morning XX/XX/XXXX, I spoke with XXXX XXXX, executive Mortgage Banker advised I was interested in refinancing my home for the sole purpose of lower monthly payments and a lower interest rate. She starts asking for basic information from me, such as details on my current loan, insurance, flood, etc. She mentioned walking me through an application. I tell her before we go in any further, I would like to see an estimate so I can visual the financial information she was explaining. It felt as though I was being pushed in a direction of completing an application before ending the call. I ended the call and stated I'd reach back out to them. Be the end of the day I was notified by my credit bureau there had been a credit inquiry. I did not authorize Quick Loans or Rocket Mortgage to pull my credit report as I was inquiring for an initial quote/estimate, I've called and emailed XXXX XXXX as well as XXXX XXXX in attempt to connect, but have not had any contact back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CA

Complaint narrative:
I sent a dispute letter to TransUnion and XXXX  about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.

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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with Finkelstein, Kern, Steinberg and Cunningham, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount. 

This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a Zero Balance and that my debt has been paid in full. 

Civil Case # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 

This Collection Agency is trying to get extra money from Consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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:
There are unauthorized inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this has happened to me again. PayPal you keep banning my account last time it was a XXXX  I got banned for using now what is it please just reinstate my account please and leave me stuff alone. By the way The account is under XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my XXXX XXXX and this line item need to be removed from my credit 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 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
My US Bank Savings account was hacked online on XX/XX/20. There were transactions that were made that I did not authorize. Some of the charges were reversed with the exception of XXXX XXXX transactions in which they denied my claim stating they were authorized by fingerprint authentification. I have called several times to speak with a manager and I pretty much have been getting the run around because I have yet to speak with one. The crazy thing is 5 days prior to my account being hacked, I received an alert on my phone stating information changed on my account, and if I did not make the change to call the bank. When I called the bank nothing was never verified and she told me it was probably a delayed alert.

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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: GA

Complaint narrative:
I've made a payment to XXXX XXXX  on XX/XX/2021 in full to a past due account. It's been stated by numerous representatives at XXXX XXXX that is has been reported to National Recovery Agency 3 times and National recovery Agency is stating there is no record of any payments made and they are still reporting a negative balance on my account.

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
In In XXXX of XXXX I lost my job due to Covid-19, I called my mortgage company, Sterling National Bank, in XXXX and asked them if there was anything that could be done. I was told that I could miss two payments and that the payments were going to just be added to the back of the loan and there would be on issue due to the fact of Covid. I missed XXXX and XXXX and then continued to pay my mortgage in XXXX. I found out in XXXX that I was put into " Lost Mitigation Forbearance '' for missing payments. 

I called Sterling National Bank numerous times, explaining to them that I was told I could miss the two payments and that is was illegal in NYS to do what they had done, to no avail. In the mean time they held onto my monies, in an amount of over {$10000.00}, and did not apply them to my mortgage. My mortgage continued to accrue interest all this time. In XXXX, I was told that the only way to get out of this was through a loan modification which add additional fees and extended my loan another 30 years, which is illegal in NYS. In XXXX of XXXX I finally got out of Lost Mitigation. In XXXX of this year I called them to rectify this situation, but it fell on deaf ears. 

On XXXX of XXXX my balance was {$320000.00} and in XXXX of XXXX my balance is {$320000.00}. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SD

Complaint narrative:
I originally paid the upfront fee of {$500.00} on XXXX which locked in my rate of 3.0 % with lender credit to offset some closing costs. This would have had me getting cash back at closing. My appraisal was delayed as they could not get an appraiser to work with them and that was finally completed on XXXX, which would have been the last of conditions needed in order to close on this refinance- at which XXXX the loan officer had assured me the delays were not my fault and the lock would be kept in tact. The appraisal did come in lower than expected so there was a change in circumstance but I was not aware that anything on my locked rate had changed. No one had mentioned that they decided on their own to put me into a lesser rate of 2.75 % paying {$3600.00} in points for that rate which I was not aware or, nor agreed to. This is turn caused additional conditions of supplying bank statements, etc. As well, after repeatedly telling this company that they were collecting for taxes for my other property in escrow and upfront on this transaction, they still remain as items needing to be paid for at closing which makes absolutely no sense. I have been working with a XXXX XXXX and have even escalated to his manager XXXX XXXX, both of which appear to be incompetent and have no intentions on providing any type of good service and have stopped responding to my requests for resolve. My last message to XXXX on XXXX was that I would not continue to do business with this company and would like for them to refund my upfront fee because of their lack of urgency and not wanting to close this loan on their end. She has not responded to my email as of this date.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief