vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I have been getting charged cash advance fees for purchases made using my credit card. I contacted them and asked them why I am suddenly being charged a $ XXXX montlly fee for cash advances when I have made no cash advances from my credit card. They told me to contact the party i made the purchase from. I don't see how that will help as they are not the one charging me the fee. That party also said to talk to CitiBank about it. No one is stepping up here to correct this, they just want to point the finger at each other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XXXX BOA charged a overdraft protection fee as they took money from my savings when they did not need to as I had all the funds in my account I needed. Also, BOA for some reason has stopped emailing me my daily balance like they have done for 9 years. Nothing on my end regarding contact info has changed. I feel this is a way to steal money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Check XX/XX/2018 XXXX {$200.00} XXXX XXXX XXXX XXXX Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$300.00} XXXX XXXX - California Check XX/XX/2018 XXXX XXXX {$300.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$100.00} Bank of America Arizona XXXX I had a roommates friend got a hold of my information while I went out of town for a couple of days. I left my apartment and my purse on accident and had printed check from XXXX in my room and she had use them to her advantage to withdraw money at an atm. I was unable to get the truth of whom did the transactions and I moved and i barley had enough income to finally pay off my debt. Currently I am unable to open any checking account because of the Flag of Fraud on my name. I did however go through Bank of america and paid off the balance and I worked with XXXX XXXX XXXX. The dispute file did change the status with XXXX but, not Bank of America. I would like to have this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been trying to open business account with my credit union to get my PPP funding and Bank of America has incorrect information reporting to XXXX XXXX as fraud/acct closed/ nothing paid showing to XXXX XXXX. I contacted BOA and there system does not show any of this. BOA says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what XXXX XXXX says is showing and no way for anyone to generate any letter to XXXX XXXX because the system does not show any negative balances due. 

Finally talked with risk manager at BOA who said well send in a copy of XXXX XXXX  reports and go from there. I tried calling BOA risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into BOA location and have them fax. I went into BOA and the reps faxed copy of XXXX balance due paperwork to XXXX XXXX then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave BOA admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end BOA admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with BOA so hopefully they can see their own mistake if they too use XXXX XXXX to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within BOA institution. having trouble getting paperwork to BOA to get XXXX XXXX updated. XXXX XXXX will not remove unless they here from BOA. BOA says nothing to update, yet the consumer is losing due to BOA error Consumer is suffering, Consumer will homeless on the streets of Michigan.

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 2021-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase has not responded to release the old FHA appraisal. My lender has tried for a week and this will cause me to lose the property Im trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A Checking Plus account was sent to collections for a total of {$900.00} remaining balance in XX/XX/XXXX. On XX/XX/XXXX this balance was paid in full for a total of {$900.00} via check. The collection company in charge of this debt was sent the required documents including the check of proof that paid the balance to {$0.00}. 

In XX/XX/XXXX my credit report was labeled as Failure to Pay instead of Paid in Full as agreed in exchange for me paying directly to Citibank the full balance owed. In XX/XX/XXXX my credit report was labeled Negative. I am requesting that all negative attributes affecting my credit report be removed and that my credit report be labeled as Paid in Full as of XX/XX/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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Two checkbooks were stolen during a theft of my storage unit, and someone fraudulently wrote and cashed a check for {$1000.00} from my Chase Total checking account on XX/XX/2021. The written amount was XXXX XXXX XXXX, but the number amount said {$1500.00}. I don't know why the check was cashed with this discrepancy. I have submitted a fraud report to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: UT

Complaint narrative:
I have been disputing my Experian credit report for 6 months now due to a Bankruptcy that is incorrect and NOT verified. They have not verified this with any agency and I have a letter from the courthouse that also says they do not verify this info with Credit Bureaus. They refuse to delete this inaccurate Unverified bankruptcy. XXXX and XX/XX/XXXX have already fixed the issue can we please get Experian to do their due diligence and remove this Ive been fighting it for too long and I'm just being ignored

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
In response to 1st complaint ID XXXX. In the letter response sent by XXXX XXXX they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my XXXX payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that an account that is part of Identity theft and that was removed last month came back on my report alleged account XXXX, so I am asking to please remove it from my credit report, they remove it once, so why they brought it back if the account does not belong to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Sold a side by side vehicle on XX/XX/XXXX and the Loan was paid in full using a bank check on XX/XX/XXXX to Synchrony Bank ( XXXX XXXX ). Debtor has called multiple times trying to get paid loan documents including a released title to give to buyer and their financial institution to no avail. Today gave permission to Synchrony to discuss account with borrower 's financial institution and they say again, as they always, to they will expediate request for title to be sent but it could take 2 weeks. This is unacceptable and they have been paid in full for 68 days. They couldn't even tell me who regulated them the FDIC or OCC or I would file a complaint with them as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Attempted to reach out XXXX XXXX Bank of America Mortgage lender on Wednesday XX/XX/XXXX for an update on a pending loan and received no response. Previously emailed her on XX/XX/XXXX responding to her email that she only sent because I reached out to Bank of America and they contacted her but refused to speak on the phone with me. Contacted MrsXXXX XXXX supervisor XXXX XXXX XXXX on XX/XX/XXXX via email and no response. Have tried calling XXXX XXXX XXXX multiple times before emailing and no call back either. The issue I am contacting about is that an appraisal has been on hold for the last 3 months and they have not been able to do it causing a delay on my living situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
CMG Financial cashed my mortgage payment check in XX/XX/2020 ( XXXX check # XXXX for {$2000.00}, dated XX/XX/2020 ), but did not apply it to my account. I have called them dozens of times without resolution, and need some assistance to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Received several emails about loans that were opened in my name along with a credit card that was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Marlette Funding, LLC
State: PA

Complaint narrative:
Received several emails about loans that were opened in my name along with a credit card that was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I reached out to Midland Funding/ Midland Credit Management on multiple attempts to validation this alleged debt. The initial contact was XX/XX/2020 disputing this alleged debt asking for a contractual agreement with my wet signature showing I was in a contract with Midland Funding. They sent a return letter asking me to provide contracts documents and bills or statement to further THEIR research. Midland Funding has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.They are hurting my credit report and has shown no proof that I owe this alleged that to them. All three bureau have three completely origin date which is another inaccuracies when they can not provide ME with no contractual agreement between myself and Midland Funding. This is embarrassing and defaming to my character. I expect this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Contacted company via mail no response has been given

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: DC

Complaint narrative:
NEVER APPLIED FOR LOAN BUT ITS ON MY CREDIT MAY BE DUE TO IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2021 my bank accounts where blocked. Fraud dept was contacted by banker at branch. I was told that letter by mail was the only way to verify my identity. It is now XX/XX/2021, and have not received so called 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 2021-05-07 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: FL

Complaint narrative:
I am submitting this complaint today against Experian directly. Additionally, please note that I have just submitted complaint # XXXX regarding a different account which too has incorrect information. That issue had a potential work-around ; however, Experian has been re-aging the dates and statuses on a charged off account I have with XXXX. As stated in my previous complaint, Ive been trying to get pre-approved to purchase a new home here in Florida. Per the suggestion and guidance of my loan officer, I had reached out to settle this debt through XXXX. Once completed, my lender ordered a rapid re-score to update the XXXX account as balance settled for less than full amount. What my lender didnt catch from my credit report that was pulled in XXXX was the date Experian had this account listed as being closed and charged off. Attached is a letter dated back from XX/XX/XXXX indicating this account was closed as of XX/XX/XXXX ; however, on XX/XX/XXXX the credit report from my lender stated the account was charged off and closed in XXXX XXXX. Additionally, when he ordered the re-score on the settlement, Experian had the account reported still with a XXXX charged off date and a new closed date. The closed date should not have changed. I reviewed history on my Experian account online to see if there was any sense that I could make of these dates. The oldest report that I had access to was from XX/XX/XXXX. It showed the status as being closed in XX/XX/XXXX through my Experian report dated XX/XX/XXXX. On my report dated XX/XX/XXXX, the closed date changed again to XX/XX/XXXX. At this point, my account was about to be charged off. On my XX/XX/XXXX Experian report, the account was reflecting as being charged off and the closed date appears to have changed yet again to XX/XX/XXXX and then back to XX/XX/XXXX on my XX/XX/XXXX Experian report. This changed back and forth monthly an additional eight times, either XXXX or XXXX from XX/XX/XXXX through XX/XX/XXXX where the final close date reported was XX/XX/XXXX. Then on my XX/XX/XXXX report, the new closed date became XX/XX/XXXX and on both my Experian credit report and the credit report pulled by my loan officer the closed day was reporting the previously mentioned XX/XX/XXXX date. Again, my credit was pulled XX/XX/XXXX since I had completed the items requested by my lender. Here, the new closed date was XX/XX/XXXX and still had a charged off date showing XX/XX/XXXX. As mentioned in my attached previous complaint, the dates that have been irresponsibly and habitually changed has halted any further ability to move forward since this matter will not allow me to qualify for a manual underwrite.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
A medical debt in the amount of {$280.00} was opened on my credit report on XX/XX/XXXX. On XX/XX/XXXX, I sent a debt verification letter asking for validation within 30 days. I never received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 XXXX XXXX XXXX PULLED MY CREDIT AND NOTICED THAT THERE IS INFORMATION ON MY CREDIT REPORT THAT I DO NOT VALIDATE. FOR ONE I AM THE ORIGINAL CREDITOR AND I DID NOT VALIDATE THE ALLEGED DEBT. THE ALLEGED DEBT IS IDENTITY THEFT. I HAVE ASKED FOR THE ORIGINAL SIGN DOCUMENTS AND BEING I DID NOT GET THEM I DO NOT VALIDATE THE ALLEGED DEBT. 

UNDER the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I'm DEMANDING THIS ALLEGED DEBT BE REMOVE FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DOAN SOLUTIONS
State: MN

Complaint narrative:
A scam company, XXXX XXXX XXXX XXXX, is calling those with existing loans and claiming they have a special deal for a limited time that only a select few have been chosen for. The number provided is a dead end # XXXX and XXXX.

Company response to consumer: Closed with explanation