vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Both of my BOA accounts were closed recently, close out checks received today XX/XX/13, for remaining funds in accounts. Previously, I spoke with XXXX XXXX in Executive Office, she confirmed accounts were closed due to to unverified information on application, which she would investigate and confirm exactly what is unverified. Further, she said she would look into pending debits in amounts of {$20.00} and {$10.00}, funds transfers from my XXXX account to BOA accounts. According to her, these transactions should reverse back as accounts are closed, it appears they have not. I have attached screen shot showing cleared as of today, XX/XX/13, no reversal as of yet.. I left a message for XXXX today as well, no call back as of yet..

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 2020-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Having a Problem Trying to Open a Saving Account With M & T Bank Online XXXX, you will need to visit a branch to open your new account Sorry, we couldn't confirm your identity at this time. Please visit a branch to open your new account. 

Remember to bring the following items to the branch : Government Issued ID Your social security card Proof of your address Find an M & T Branch near you All M & T Branch are Closed and i cant open My Saving Account Online i Contact M & T Customer Service and they are Unable to Open My Account Over The Phone Due To COVID-19 All M & T Branches are Closed and am not able to Open My Saving Account Into My Existing M & T Bank Account Please Help

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 2020-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

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 2020-04-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

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 2020-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.

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 2020-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$130000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ON THIS DATE XX/XX/2020 I CALLED THE WELLS FARGO HEADQUARTER CEO OFFICE REGARDING A TRANSACTION I FILED WITH THE BANKER NAMED XXXX WAS ABLE TO SIT UP A CLAIM FOR ME AND GIVE ME A CLAIM NUMBER. XXXX STATED TO LET THE CLAIM SPECIALIST KNOW NOT TO PUT THE DEBIT CARD ON HOLD. IF ANYONE LISTEN TO THE RECORDING OF THE CONVERSATION I NEVER STATED TO XXXX THAT I WAS REPORTING A FRAUD. MY DEBIT CARD WAS IN MY POSSESSION. IN FACT I MADE A PURCHASE AT XXXX STORE ON SATURDAY XX/XX/2020 ATER THE TRANSACTION THAT WAS ACCIDENTLLY MADE BY ME TO XXXX FOR {$14.00} THE NIGHT BEFORE. WHEN I SPOKE TO XXXX ABOUT NOT BLOCKING MY CARD AND THE INSTRUCTING GIVEN TO ME FROM THE EXECTIVE OFFICE, SHE INSIST BLOCKING MY CARD ANYWAY. MY DEBIT CARD IS NOT LOST OR STOLEN. THE CARD ID STILL IN MY POSSESSION AS OF THE ABOVE DATE

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 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Today XX/XX/XXXX called about a check that was deposited into my account a month ago on the XXXX. It obviously was not me because it was miles away from where I am. Wells Fargo also allowed them to bypass the security and take out XXXX. They submitted a check that was so obviously forged that a baby could tell. During this call I was told they couldnt do anything About my claim because I had already opened a claim last month and it was still on going. I went and checked online and the claim was closed with nothing done to it. This is XXXX XXXX  we are talking about.

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 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX ( XXXX XXXX XXXX. Someone named XXXX left a voicemail stating she was calling on behalf of Southwest Mediation Service and a potential civil action would be taken against me. She also called my parents home phone and left the same message. I called back and left a voicemail. I called back again, and XXXX answered. She explained that it was an alleged debt from XX/XX/2012 and the client was taking civil action. She was very rude and belligerent and hung up on me. I called back to try to speak with a manager, and there was no answer for two hours. I left a voicemail stating that I did not want to be contacted by that person again. When I talked to her again a short while ago, she called me rude, ignorant, and told me the case was escalating to her client XXXX   something magazine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to get my annual free credit report today XX/XX/2020 at XXXX EDT from TransUnion and was unable to get it from either the website or telephone as I am allowed to by law. The website said I failed to answer the verification questions correctly ( because none were accurate to my history ), and the phone option didn't work because a representative never answered the phone after 30+ minutes.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The bank XXXX XXXX XXXX  checked my credit score without my authorization. 

XXXX XXXX XXXX  obtained a copy of your Equifax Credit Report. 
New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CBM Services, Inc.
State: MA

Complaint narrative:
I contacted the company many times my score very dawn my ex husband my sponsor of XXXX and the company did collection bills of hospital  I had also a insurance and of government card of XXXX the company did the collection and now my credit score very low I had XXXX  XXXX I have evidences. Terrible company I tried contacted many times and I did complaint business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/2020 HSBC closed my account but is still withholding my funds. I've called them repeatedly but they refuse to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was attempting to make several credit card payments to my credit card ending in XXXX to Citicards through my checking account with Citibank ending in XXXX. 
I did these payments on XX/XX/XXXX th XXXX th and XX/XX/XXXX. On XX/XX/XXXX th found out that the payments didn't go through because they couldn't locate my bank account number. I asked why no one got in touch with me sooner so I could make the payments another way but wasn't really given an answer. Anyway got in touch with Citibank and was told that there was a technical glitch and an additional number added to my account by accident. I explained that to Citicards but they proceeded to close my credit card account and then closed my other two credit card accounts with citicards. I have not been able to open another credit card with Citicards and have tried applying for a card XXXX XX/XX/XXXX and was rejected. I have paid everything I owed at the end of XXXX which wasn't even due until the end of XXXX. There is no legitimate reason for citiicards to reject my request for another credit card. In the past I've always been successful making payments using Citibank app on my XXXX and tried to explain that I did not make any payments where I have had to enter my routing number or bank account number but they refuse to believe that the bank made an error and Citibank continues to take any responsibility for this error. I already accrued XXXX miles with their credit cards. If you need any other information please let me know. I have a fourteen year relationship with Citibank and the i credit card company and in that time have never had anything like this happen. I also have a XXXX credit rating with the three credit bureaus because I always pay my bills early but always when then ate due. The three payments amounting to {$380.00} weren't even due but had texted money so decided to pay off part of my {$850.00} balance early, something I do On a regular basisa If you require further information please let me know. Thank you

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 2020-04-13 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: MD

Complaint narrative:
On XX/XX/20 I sent TransUnion a certified letter for accounts and inquiries that were not mine. I asked that they respond and send me original documentation binding me to this debt. I have not received a letter or any evidence. On XX/XX/20 I sent another letter.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I submitted a modification application on XX/XX/2019 as successor in interest under Civil Code section 2920.7. My successor in interest status has been verified. 

Specialized Loan Servicing 's request for additional documents is unreasonable. SLS refuses to process my modification application with due diligence. It finds reasons not to communicate with me in good faith or process the documents I provided in support of my modification application properly as is required by law. 

Furthermore, SLS refuses to endorse my insurance proceeds for sewage damage to my kitchen. Please see XXXX letter to SLS for detail. THIS IS A COVID-19 HEALTH RISK AS I RESIDE WITH MY XXXX-YEAR OLD GRANDMOTHER.

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 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { FOCUS FINANCIAL SERVIC } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { FOCUS FINANCIAL SERVIC } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I took out a loan on XX/XX/2020 for XXXX from Cash Store / Cottonwood Financial in Texas. The first payment was to be paid on XX/XX/2020 for XXXX. My household had a financial hardship and I couldn't pay the loan, so I asked for a EPP, extended payment plan, with the store manager, before the due date. I understood I owed a debt and wanted to take care of it. They said they would have to turn the account over to corporate collections and after waiting to hear from Corporate Collections I was told there was no EPP. I contacted XXXX XXXX and XXXX ( debt settlement company in Florida ) to help with my debt. They drafted a settlement offer that Cottonwood Financial rejected. I then started to receive calls from Cottonwood Financial and agreed to pay them directly at 10 % of the account balance for 10 payments. I received a letter on XX/XX/2020 confirming my commitment of a payment for XXXX on XX/XX/2020 and then on the XXXX thereafter, the account balance is XXXX. I then received another letter on XX/XX/2020 basically stating the same thing. I made my payment on XX/XX/2020 in the amount of XXXX. Today XX/XX/2020, I received a call asking me to take out another payment and I asked if I could move it back to the XXXX because our household is affect financially due to the Covid-19 pandemic. The man was rude and said we had an agreement but might allow this concession. He then told me he had to change our agreement to a higher dollar amount because there was a delay/payment reporting error in their system and they said the balance was XXXX and he would have to raise my payment to XXXX per month. I told him we had an agreement and I agreed to pay the promised amount per the 2 letters I received. He said he will draft new letters and disconnected the call. I called back and spoke with a lady that said the payment posting errors were my banks problem and I had to take it up with them. She stated the balance of XXXX and I can pay whatever I want and they will collect their money. She then said we had been on the phone too long and hung up. I was trying to tell her I agreed to pay the XXXX for 10 payments like we agreed to do based on my new payment agreement, but she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: Home Point Financial Corporation
State: TX

Complaint narrative:
I have checked with the companies online website and they did not have an account linked to me. I have called multiple times and left messages with no response from the company. I have also reached out to my condos owner and sent the letter stating I was behind and they also stated that was inaccurate and I am up to date on all of my payments and never been late or missed. I filed a dispute with experian and they did not get it resolved. Home Point Financial does not even seem to be a real company because I can not get in touch with a real person to get to the bottom of this.

Company response to consumer: Closed with explanation