vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I open this bank account online to manage my finances because I got a new job being XXXX I have Got a new job so I needed a checking account however Citi bank closed my checking account and savings as well but theres one big major issue I cant access my funds and I cant get reach of anyone : ( I have my social security XXXX  funds and my own savings all in that one checking account, I cant pay my bills Im geting notices of repossession from XXXX and Citi bank is still allowing deposits to come through a closed account instead of doing the right thing and sending it back they also opened back the savings but my checking is closed this is nonsence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: FL

Complaint narrative:
I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX XXXX for {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX   XXXX for {$480.00}. 

These accounts have been paid and to date Experian is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Experian received on XX/XX/2020 and they still have not reflected the payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Filed complaint against capital one on XXXX.the complaint id number is XXXX.requested a  copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.this is not a duplicate complaint as this company stated, this is a entirely different complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
" End of Term Final Bill '', dated XX/XX/20, received on XX/XX/20 via USPS, charging {$270.00} for " Exterior Damage '' that did not include any substantiating documentation of any kind detailing the type of damage or necessary repairs. No repair statement was included, nor photos, nor mechanic 's documentation that would substantiate the charges. Document indicates that it is " page 1 of 1 '' so, no documentation was excluded in error. Call to " lease end team '' resulted in assurance that " I could have gotten this information if requested '' online, making it the consumer 's responsibility to get information that should be provided by the finance company to substantiate their invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NY

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I mailed a cashiers check in the amount of {$1200.00} to Capital One to settle my account. I was told by a Capital One employee that I had to mail this check. Using the P.O. box address given I mailed the cashiers check overnight which should have arrived at Capital One no later than the XXXX of XX/XX/2020. I have tried repeatedly for someone to find out what happened to the check and why my account had not been credited accordingly. I have been patient  for 19 days for a check that I learned was cashed on XX/XX/2020. The dispute team had the audacity to ask why I was rushing this which was very rude and in no way helped to locate the check that was mailed to a Capital One P.O. Box. One supervisor from the dispute team told me that there is no number to call to contact the person that retrieves the mail from that box or the overnight address. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: KY

Complaint narrative:
I am the POA and son of my mother XXXX XXXX XXXX. I handle all her business as instructed in the POA paper provided. 
My mom 's account was made and it was to be used to house funds to set till we settled on what to do with them. 
I had an account with Axos Bank and it seemed fine to me so far. I notified the bank that I was her POA and I needed to be added to the account to I could have to access. 
The reps did not seem on how to handle it and But on or about XX/XX/20 I faxed them the POA papers. ( Proof # 1 ) After some time I guess I was sent some other POA form they created that they wanted me to have notarized and sent back. ( Proof # 2 ) I refused as instructed by my legal team because they wanted to be exempted from any liability on the account. My legal team advised me that they as a bank can not be exempted. They sent me another form which I signed and notarized and sent back. ( Proof # 3 ) I was told even thou I am POA of her accounts that I would have no access to online banking or mobile app banking. 
I discussed this with my legal team and was told that can not be done. XXXX XXXX XXXX is an XXXXyear-old woman. I as her POA pay all her bills and buy all her food and so forth. I called in a couple of days ago to discuss this matter and talked to a phone bank rep named XXXX and she was very rude and not helpful. I asked her how I was going to deposit a check if I had no access to online or mobile banking. She said you can mail it in or do banking on phone. I said you can not do that. She said it was their policy. She did not seem to all-around smart on what a POA dose. 
Weeks later I got no call from a supervisor. 
Today, I called and spoke with a lady who again does not know how to handle this account. She refused me a supervisor. And as far as I know, I have no callback. 
I am worried as well as my mom is worried they will close the account because of retaliatory action. Only because I am making them follow the law and making me have full access to the account. 
I am the POA and I am supposed to be treated no differently than the account holder. That's how POA 's work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NY

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A refund was returned to my American Express gift card in the amount of {$130.00} shortly before the card expired. XXXX of XXXX was suppose to sent it via check in the mail. XXXX stated they have sent the refund on their part. I called American Express and spoke with a supervisor on XX/XX/2020 and I was promised a refund check of {$130.00} by XX/XX/2020. I called American Express on XX/XX/2020 because I did not receive the refund check. I was given the run around and I was told there was not check in the mail by the manager XXXX because the card was expired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
This is a car that I had under my business and now they reported me late when I never have missed a payment since the beginning. Please remove this late payment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
As I started to apply for a house on XX/XX/2020 the leasing company that was doing a credit check on me only uses Equifax. To my knowledge I had a credit report with them ( having a credit history of over 7 years ) but Equifax did not have a file on me. Where as XXXX and XXXX both had credit files on me. I have tried to remedy the problem for nearly a month now having sent them a fax containing my social security card, valid drivers license and the cover letter pertaining to the issues I was having. I have called everyday since and have gotten no help. The only thing that Equifax says is to resend the fax and to mail them the documents again. My credit card company XXXX XXXX assured me that they have been reporting to all 3 credit bureaus for the past 7 years. My main issue is that Equifax should already have a file on me and they do not and they are refusing to remedy the issue in a timely manner when I do not have the time due to the fact that my current lease is about to be up and I need their credit report on me to get this house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing charged me {$42.00} in late payments 2x, I submitted a letter as they told me I needed to as to why my two payments were late. because I have never been late they waived one late fee but not the other. I submitted a letter of explanation in XXXX stating my payment was a little late due to ( coronavirus ) unemployment not kicking in. SLS refused to waive late fee, I have called monthly requesting to speak with a supervisor and have never received a call from one. This issue has been on going for moths with me monthly contacting SLS in addition to two letters being sent in with my payments asking to speak with a supervisor. Today one finally returned my call and waived the fee. Please look into why they do NOT respond to letters, they do not return calls and you can NEVER reach a supervisors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: RI

Complaint narrative:
This company has been continually harassing my wife and I, despite the fact that this debt was not owed and this issue was discussed and settled with the XXXX XXXX XXXX  4 years ago. We do not owe the gym money, we never owed this amount shown and we resolved this years ago. 

XXXX ______________________ NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX, Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment. 

To pay online please visit our payment portal at XXXX : XXXX XXXX NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX , Your account has been forwarded to this office for collections. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
BSI Financial Services are trying to add back taxes on to my mortgage that I incurred while with a previous mortgage company. My taxes and insurance have all been accounted for with my escrow. Ive complained enough that I went to refinance with another company and they tried to tell that company that I was behind in XXXX. Thats the month I appealed the previous taxes and was told it was resolved. This company is a scam. I have legal representation that Im currently acquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage is being serviced by Shellpoint and they are responsible for paying my property taxes which was due on XX/XX/XXXX. I received a invoice for payment from my county and I reached out to Shellpoint on XX/XX/XXXX. I communicated with XXXX XXXX and she told me that the personnel handling the taxes did not pay on the due date because my town had extended the payment date to XX/XX/XXXX. After insisting the payment be made immediately she sent me a receipt that the payment was made on XXXX. I received a second note from the county that my taxes were delinquent. The letter was dated XX/XX/XXXX and when I spoke with the county they informed me that the payment was not processed because it was not correct method of payment. That payment was returned on XXXX to 3rd party, XXXX. I contacted Shellpoint and spoke with XXXX XXXX the supervisor who again assured me this will be handled with the 3rd party vendor they use to pay the taxes, XXXX. XXXX emailed me that a check was sent to the county XXXX and he would follow-up to make sure it was received. After not hearing from XXXX I followed up with the county and was told the check sent was not a certified check and was not accepted. I am still waiting to hear from Shellpoint on the status of my tax payment. This very late payment is now accruing interest. 
The point of having a mortgage holder pay taxes and insurance is to ensure bills are paid in full and on time. The money was in my escrow and I don't understand why Shellpoint waited to pay my taxes. Is this a scenario where they were trying to use the extended payment period offered by the county because they are illegally moving money from one persons escrow to pay off other peoples debt? I do not trust this company to continue to service my loan and I would like to see an investigation into their business practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: FL

Complaint narrative:
I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX for {$480.00}. 

These accounts have been paid and to date TransUnion is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to TransUnion received on XX/XX/2020 and they still have not reflected the payment.

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