vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an offer in the mail from Citibank offering 5X THANK YOU points for online purchases through XX/XX/XXXX. On that same date, I called XXXX to enroll in the offer by providing the Invitation Number on the offer. I spoke with a machine not a human. The machine fully accepted the enrollment and advised me to wait a few days to make the purchases. No registration number was provided. 

My Invitation No. XXXX Subsequently, beginning on XX/XX/XXXX I made a series of online purchases, which in the aggregate, would have produced the maximum reward ( XXXX points ) I got my XX/XX/XXXX statement. All the online purchases were on the statement but NONE of the bonus points were there. 

On XX/XX/XXXX I called citibank cutomer service at XXXX pm eastern. Spoke to " XXXX ''. 

XXXX advises me that she sees my enrollment in the offer, she sees the qualifying purchases, and that I will see my XXXX THANK YOU points on my next ( XXXX XXXX statement. 

Today, went online to see my XXXX statement. No statement was apparently created as I did not have any transactions. 

I called customer service. Explained the situation. 

Spoke to someone ( did not get name ) who tells me that according to their records I first registered for this promotion on XX/XX/XXXX not XX/XX/XXXX. 

I explained to this rep. that the XX/XX/XXXX date is the date of my call to customer service not my date of enrollment and that I wanted the XX/XX/XXXX recorded phone call with " XXXX '' played back to me. 

Basically I am getting screwed by the ineptitude of Citibank, their employees and their technical shortcomings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I wrote a check in the amount of {$1200.00} ( clearly stated numerically as well as written ) and the check cleared the bank for {$1700.00}, {$500.00} more than it should have. I contacted Bank of America around XX/XX/XXXX again on XX/XX/XXXX and again on XX/XX/XXXX. Each time I was instructed by the individual that they could clearly see the error on the banks side in posting the check incorrectly and they could see the incorrect amount was withdrawn from my account. The first time I was given a case number ( XXXX ) and was told it would take 2-3 business days. The second time I was given another case number ( XXXX ) and was told it would take 2-3 business days but was being expedited. The last time I called the associate claimed they were still researching it and were trying to get the funds from the other bank. It is not my error that Bank of America cleared the check for the incorrect amount. They will not give me my money back and as a result I would like to file a complaint against 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 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America failed to identify and prevent Bank and/or Check fraud. A yet unknown person/persons/organization created fraudulent checks that had a routing number and checking account number matching our Bank Of America checking account numbers. The name and address on the checks " identifying '' the account owner did not match our name or address and the check pretended to be issued by XXXX yet the routing code on the lower left was a Bank Of America routing number. Starting at XXXX on Friday XX/XX/XXXX fraudulent checks have been deposited with at least XXXX of them using " XXXX XXXX XXXX ''. The total amount of all checks was {$4200.00} which Bank Of America allowed to be taken out of our checking account while it was obvious and very clear that those checks were fraudulent. It is unclear to me how the bank can miss the obvious discrepancy of a check saying it is from XXXX but the routing number going to Bank Of America. Additionally the name and address of the account owner printed on the fraudulent checks didn't match any information of the real account owner. Right there the processing of the check should have stopped and a fraud alert being triggered. 
Bank Of America 's failure to identify and stop this fraud resulted in multiple legit transaction ( utility payments, credit card payments, etc ) not being processed. While Bank Of America has refunded all of the overdraft fees associated with the fraudulent checks we believe that Bank Of America also should reimburse us for any fees imposed on us by XXXX parties ( utility and/or credit card companies ) and for the substantial time we are investing to fix this issue.

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 2020-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Creditor cant prove the my driver license is accurate its another person face on identification card isnt me please have company show of identification is accurate

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 2020-04-23 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: MD

Complaint narrative:
This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!

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 2020-04-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX, my credit score was XXXX when I was looking at auto finance options. 
In XXXX, I started a refinance on my home. I saw on credit report Target {$28.00} missed payment. I immediately called Target and paid the balance in full {$130.00} having had no idea there was an overdue balance. I requested Target investigate the charges and their notifications processes. I have made two more requests for Target to investigate. I did not receive any emails ( or USPS mail ) from Target about a balance/payment, due/past due, statement ready or payment received. I did not receive any emails from Target for the charges on my card, the shipping of items, or the balance overdue on my card. I pay all of my credit cards online and receive emails for all of these notifications. Target refuses to remove this from my credit reports. Also, since I paid Target {$130.00} on XX/XX/XXXX, I have not received a confirmation of payment or a statement ready email. I do have a confirmation # for proof of payment. Target does not confirm communications are sent/received to/by their customers. When there is an issue with emails being sent/received they do not investigate to resolve the issues. I found 3 other people that have the same problem with Target. They, like me, had no idea items were charged to their credit card. They had not idea there was a balance was over due because they did not receive notifications in email or via USPS mail. Target has not investigated or resolved their issues. This has and will continue to substantially hurt my credit score. I have contacted Target over XXXX times to remove reporting from my credit. I also paid XXXX to Target so it would not continue to be reported. And they refuse to investigate why communications were not sent to me. Why didn't I receive the emails ( we confirmed the email address which has not changed ) and why didn't I receive USPS  mail notifications of payment ( s ) being late? On all three calls to Target, I was told they would investigate their communication process errors. Since XX/XX/XXXX I have been working from home due to Covid 19. Did Covid-19 affect their processes? The 3 other people that have not been able to resolve the credit reporting and lack of communications from Target had great credit, too. Yet, like me are giving up because Target will not assist to resolve. But they were quick to report without any notifications to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Fifth Third Bank, about someone within my home making several unauthorized purchases on my account unbeknownst to me. However my card came up missing or i misplaced it, thats how i noticed the unauthorized transactions viewed by my mobile banking.. The customer service rep misunderstood my statement and I had to send in an email statement with the issue at hand. They told me it was a XXXX  day wait for disputes and approval, its been over XXXX  days and they are giving me every excuse they can find to not credit me for the transactions that arent mine. Ive been a loyal customer for XXXX  years. 
I have all the transactions dates & locations wrote down i can send them in ASAP if needed..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - Wells Fargo Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.

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 2020-04-23 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/2019 I received a XXXX XXXX financial card from Comenity to pay for dental work. They stated no interest for XXXX with a minimum monthly payment. Only to find out that the no interest is dependent on paying meeting a bench mark at XXXX  months and again at XXXX  months. The minimum payment wouldn't even be close to hitting those marks so the penalty is being hot with all of the interest for the entire duration of the loan even though consistent monthly payments are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Due to the XXXX XXXX, President Trump indicated that all mortgages would be available for a deferment. We are both furloughed from our job. My wife, XXXX XXXX since XX/XX/XXXX. Me, XXXX XXXX, since XX/XX/XXXX. We live in Florida and have applied for unemployment. Neither of us has received XXXX benefits from Florida as of XX/XX/23. 

We filled out the help forms on Amerihome Mortgage 's website, and they have never mailed or emailed either of us a response. We talked to XXXX  rep who said we could ask for a forbearance. But, President Trump said there would be deferments. And, when you are not making any money, a forbearance makes no sense. 

The Amerihome rep told us we could get a XXXX  day forbearance, but then would be responsible for all of the monies owed in the fourth month. Since we have a USDA, federally backed mortgage, Amerihome should be offering us a deferment. We are in a rural area, we are not wealthy, and now we are out of work. 

Since we are getting no help from Florida, our money is running out, and we are concerned we will lose our home. Amerihome as been no help, have not responded to our requests for help, and when we pressed the rep for help, he told us to refer to the USDA. We are at a loss now ... 

Please help. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage account was transferred from XXXX Admin to a new Servicing Company Shellpoint Mtg in XXXX of XXXX. I had previously had a bankruptcy in XXXX. I re-affirmed my account/mortgage with XXXX at the time of my bankruptcy. During the transition of my account from XXXX to ShellPoint the affirmation of my loan was not transferred over. I did not realize this until XXXX of this year when I was unable to access my account online and I called to see what the issue was. I was told that the affirmation was not on file but that they would resereach and get this transferred over. I have for the last 3 months been trying to get this taken care of with their loss mitigation department. I have emailed, called and told multiple times that they have the information and that access to my account would be restored, but I still can not access. on XX/XX/XXXX I called again and spoke with someone in the Loss Mitigation Dept. and upon research of my account was told that the final review regarding the Affirmation had not been performed and that was the issues. She assured me she would work on it and I would be able to access my account the following day. As of today, still no access. I have tried to call multiple times this morning but the call is dropped. My payments are current yet I can not access my account to see my escrow balance or make any inquiries to my balance, etc. This is also not being reported to the credit bureaus on behalf and is affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Westlake Services, LLC
State: LA

Complaint narrative:
This account was paid off on XX/XX/XXXX. West lake financial is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: MN

Complaint narrative:
I filed a dispute with capital one bank which is on my report but this is a fraudulent account. I never owned this account but after the dispute it was noted that this account was found to be accurate and correct when in fact it is not. It is impacting my credit score

Company response to consumer: Closed with explanation