vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
I am reporting a business called " OPTIMA RECOVERY SERVICES. '' They have listed a debt of {$65.00} on my credit report for a few years that I just recently discovered and have never received any notification the debt existed. No calls, no  emails, no letters, no attempt to contact me. The information about the business on my report includes : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX date opened : XX/XX/2015 Account type : Collection Department / Agency / Attorney I issued a dispute with XXXX  a few months ago and the account was deleted without any further issues. I discovered this  same account on XXXX  as well. This led me to believe that this debt is either fraudulent or a big mistake. Upon reading XXXX reviews on this business, it seems that this is a regular practice. They agree to remove the " bad credit '' in exchange for payment, but no written record is provided of this transaction ( according to other reviews ).

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank ( Amazon ) has called me numerous times, please see the following dates and times : Monday - XX/XX/2020 : XXXX Tuesday - XX/XX/2020 : XXXX Saturday - XX/XX/2020 : XXXX XXXX XXXX XXXX Sunday - XX/XX/2020 : XXXX XXXX Monday - XX/XX/2020 : XXXX XXXX XXXX XXXX Tuesday - XX/XX/2020 : XXXX XXXX XXXX I feel like it's excessive and anxiety inducing. I use my phone for work, and it's not only disturbing to my work day but it emotionally disturbs me.

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020, I deposited two Separate checks. One was in the amount of {$12000.00} and the other was in the amount of {$780.00}. On the receipt I have in hand from Bank of America, it shows my check for {$780.00} will be available on Wednesday,  XX/XX/2020. These checks were from my Insurance Company, XXXX, and made out only in MY NAME. 

The rep XXXX is the one who hung up on me!!! She told me when I asked to speak to a manager, that the bank changed their mind  and are holding all my funds till XXXX. That is outrageous. 

I checked my bank account today to find that my check for {$780.00} is missing. I called BOA and the representative hung up on me. I had asked to speak to a manager to straighten this out. This woman said there was nothing they could do. I said I would report them again and file suit against this bank. You do NOT play with someone's insurance money like this!!! I had a serious issue with my house and I need to pay the company for hauling out the damaged items. 

XXXX is the wonderful rep who is helping me with this. She provided me the name of the prior rep who hung up on me.

I called back and am talking to another rep and I asked her to report the prior rep who hung up on me. YOU DO NOT TREAT A SENIOR LIKE THIS AND LIE TO THEM!!! I am outraged that BOA has people on staff that treat customers like this. I want the public to be aware of this situation with BOA.

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 2020-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed a fraud ACH online transfer regarding {$360000.00} posted on my BOA savings account as processing on XX/XX/2020, and I call BOA immediately saying I did not authorized the transaction, and requested a hold/freeze on that account and opened a new account and changed user name and password, next day money was back to my account I was told that I was XXXX, XX/XX/2020 the transfer was actullay settled and money was pulled out again from my account, I was told that was due to their system error, but following 2 days money was still missing, XX/XX/2020 they filed a claim for me but that turned out to be a wrong claim, and finally on XX/XX/2020 correct claim was filed on behalf of me, and XX/XX/2020 they denied my claim without any detailed explaination of how they made the decision. I was told by associates from BOA that my case had been accelerated to upper management and should receive a call back within XXXX hours but I never received any phone call from them. I informed BOA and filed police report since I received a critical security alert from XXXX saying someone else has known my password thus I think my account has been hacked and that is why my BOA user name and password got leaked. I did everything right to protect myself from losing money, reported the fraud once it posted on my online banking and filed a police report but BOA did several mistakes and significantly delayed my claim when they were dealing with my case and thus put me at a higher risk of losing money and then they refuse to refund me the money without a reason, I could not accept that result.

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 2020-10-13 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: NC

Complaint narrative:
They are saying I have a balance on my account for {$100.00}. I contacted them and the charge is coming from XXXX XXXX XXXX. I advised them that XXXX XXXX XXXX was doing a credit for that. they said they didn't see a credit from them. I contacted XXXX XXXX XXXX and they said they did the credit and the payer id # was XXXX. I have provided them with this info and nothing has been done to credit my account. they are showing the due date on this as XX/XX/22 which needs to be fixed before then

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 2020-10-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of 2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
After several months of waiting, Loandepot.com sent us closing documents, which we largely e-signed the first time on XXXX XXXX, with a notary to show up that day for some original signatures. They never showed up. The next day, I was contacted by a notary, and set a time to sign, but was later contacted to postpone because the notary did not receive the closing documents. This continued to happen until we signed on XXXX XXXX. The loan was to fund by XXXX XXXX and I received a confirmation from Loandepot.com that it would. I write daily and the loan remains unfunded as of close of business today, XXXX XXXX. I now have a mortgage payment past due to my original lender, and apparently we have one to Loandepot.com.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I purchased a laptop on XXXX  on XXXX. The item never received even though the tracking info said it did. Filed dispute with XXXX as my card purchased it via XXXX. XXXX declined because I had disputed it with AMEX. The seller, who has been delisted due to fraud never responded to my communication. XXXX sent an apology that I never received the item. Again, they delisted the seller XXXX. I have disputed this twice with AMEX and all they do is say that the merchant provided documentation that it was sent and delivered. I spoke to the postmaster at our local Post Office. He said this is a scam where the seller sends an empty box to  another address in the same zipcode so that it can show delivered. 

USPS tracking # XXXX I am not, let me repeat NOT paying for an item that was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: CA

Complaint narrative:
My debts were discharged in Chapter XXXX Bankruptcy XX/XX/2018 case # XXXX. These company 's were notified and chose not to contest the judges decision, I have reached out to the companies and provided supporting documents which I will provide again with this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very XXXX, XXXX XXXX

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, our automatically bank deducted mortgage payment was short due to a rise in taxes in Escrow. We were short {$270.00}. We never received notification from the mortgage company Mr. Cooper that our monthly payment had increased and we payed this electronically on the 1st of every month. I received a text on XX/XX/XXXX saying our account needed attention. I spoke with them on the phone that day, and they explained to us that there was an increase. We paid the additional {$270.00} that day and the representative explained to us it would no way impact our credit score. We then found out that our credit at decreased by over 80 points because the payment was  reported as late. This was only a partial payment was late. We still paid our monthly mortgage on time as we always do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
My mortgage company ( The Money Source ) did not pay my  homeowners insurance to XXXX ( insurance company ). I spoke to someone in the insurance department of The Money Source who assured me the mistake was resolved. My insurance company, XXXX shows no record of ever receiving payment. 

Loan number- XXXX Homeowners policy number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, There are two phone numbers listed on my credit report that do not belong to me. Please remove the following phone numbers from my credit file : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NY

Complaint narrative:
Refinance loan not closed after 75 days. Applied for and started my refinance loan process with Amerisave on XX/XX/XXXX. Clean file with excellent credit and was told should close within 30 days. Appraisal was done 7-10 days after application was submitted. Asked for an update at the 5 week mark ( XX/XX/XXXX ) hoping to get a closing date and I was told that loans are taking 60 days to close but my file is gettng closer to closing and I should expect closing to happen by end of XXXX. A week later a got a call from another loan officer, informing that my loan officer has resigned and new loan officer will be taking over my file. The new loan officer made multiple changes - reduced cashout percentage, increased rate etc. I agreed as changes  were not that significant. This was XX/XX/XXXX, almost 50 day mark and I asked for an update and was told that its awaiting to be assigned to an underwriter which contradicted previous loan officer 's statement from XX/XX/XXXX that my loan was getting closer to closing. 
I have emailed everyday but have not gotten a definitive answer on when my loan will be closed. All I hear is you are in queue. I have been in queue for last 75 days without having conditional approval from underwriter Anytime I ask for an update I get the standard response of " hello yes, soon, hold tight, we will get you closed soon. Absolutely unacceptable! I've done numerous mortgages none of which has ever taken more than 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
I pulled my credit and credit control company is showing like I have unpaid accounts {$290.00} and it was paid in full i have provided the receipt of payment below in the documents section this should be removed because its paid and closed yet its reporting open. You are not reporting accurate information it is law to report accurate information, in addition please remove all non account holder increase over 30 days old. Also please add a promotional suppression to my credit file under federal law you have 30 days to complete your investigation. 
XXXX XXXX ( credit control corporation ) And all hard inquires over 30 days old

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 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am here to inform you that I have no debt obligations with you all and you are in violations with 15 USC 1692 c-i, FDCPA, and TCPA. I am attaching documents to this email support my claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-10-14 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: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My debt to Citi Cards CBNA in the amounts of {$5700.00} and {$3900.00} were discharged in Chapter XXXX Bankruptcy Court on XX/XX/2018 case # XXXX. I have tried unsuccessfully to have this matter corrected by reaching out to Citi Cards with supporting documents that I will also attach to this complaint. Citi Card did not contest this discharge so this should not show as charged off or owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit balance of {$230.00} on my Bank of America Visa card and they removed the money from my card XX/XX/2020 and said they sent me a check.I never received the check and called them and spoke to XXXX XX/XX/2020 she said that they would put a stop payment on the check and send me a new check that I would receive in 7-10 days. 
XX/XX/2020 no check so i called again and spoke to XXXX and she said XXXX was wrong and it takes 17-21 days to receive a check. 
XX/XX/2020 still no check, called again and spoke to XXXX, he said he would put a stop on the second check and put the money back on my card and that it would be on my card in no more than 3 days.. 
Here we are XX/XX/2020 and my money has not been credited to my card or returned to me .I am getting nowhere with there customer service people, this matter is looking like fraud on bank of Americas part.  Can you please help me with this matter. 
Bank of America Case Number XXXX 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 monetary relief