vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by XXXX XXXX. I tried multiple times to resolve this issue with XXXX XXXX since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from XXXX XXXX in regards to the letter previously stated above. This account continue to be reported by XXXX XXXX as owed on my Experian credit report. Experian continue to report this issue after my submitted dispute on Experian website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
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 2020-11-03 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: U.S. BANCORP
State: CA

Complaint narrative:
I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. US Bank sent me the same response on both complaints that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX  but so far nothing has reflected on my report. I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from US Bank by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.

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 2020-11-03 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: CA

Complaint narrative:
I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my Experian credit report regarding my XXXX XXXX  credit card ending in XXXX. XXXX XXXX  sent me the same response on both complaints that they determined an update to Experian is appropriate and they have already communicated the correct info to Experian but so far nothing has reflected on my report. I attempted to contact XXXX XXXX regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from XXXX XXXX by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.

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 2020-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one sent me a notice that there was an issue with my card and I needed to call and speak to them at a number which they provided. They said I can call 24 hours a day seven days a week. I called the number and it was not seven days a week 24 hours a day it was only Monday through Friday at certain times. So the first time I called it was off hours and I wasnt able to get a call through. The next few times I called the wait was half an hour to 40 minutes and I didnt have time to wait. So I sent them a letter telling them that they misrepresent it the times for the phone number and I need it to efficiently deal with whatever the problem was. Rather than respond to my letter I sent they sent me a letter closing my account indicating I didn reply to their request that I call. them. Ignoring the fact that I sent them a letter. So they misrepresented to me how to get in touch with them and Because they dont have enough operators they close my account which hurts my credit and it seems unfair. I still dont know what the issue was. Please investigate and bring penalties and fines as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank closed my Amazon Store Card. With that I lost over {$700.00} of rewards. 

They claim that in the teams & conditions it says that when the account is closed the rewards are profited. 

However I don't think it is fair in a case that THEY out of the blue closed my account. 

I am aware that the big banks like XXXX, XXXX XXXX XXXX XXXX when they close your accounts, they give 30 - 60 days to redeem the rewards. 

I believe Synchrony Bank should give the same grace period. It only makes sense.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I applied with Veterans United Mortgage for a VA Home Loan, FHA Home Loan, USDA home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX XXXX. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( s ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the Veterans United camp, Compliance, General Counsel and the President of Veterans United hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, USDA, and or a XXXX Home Loan as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to HUD, and I've advised HUD of my instructions for non-delays, let me explain, just like I file XXXX XXXX Congressional Inquires, I advised HUD, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, HUD of their XXXX duties. Systemic XXXX XXXX acts will Not prevail

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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone called and made false claims on ATM transactions on XX/XX/XXXX and XXXX and temporary credit was added to my account. Those same two days, {$2500.00} on XX/XX/XXXX, {$2500.00} and {$5300.00} on XX/XX/XXXX was taken out of my account. I was told someone had to have called and confirmed they were me, I received no calls or emails on fraud alert. When the initial ATM claims were investigated and closed, the bank withdrew the amounts that were temporarily added, out of my account, but since someone withdrew those amounts, my accounts went negative and thats when I realized this happened, and called on XX/XX/XXXX. I have now opened 3 fraud claims and they were closed, so I had them reopened. Im sending in documents that show I had class that day so I was on XXXX  class from XXXX and XXXX and I have multiple eyewitnesses who saw me throughout the day, two eyewitnesses I was with all day, the first with me from XXXX and the other I was with from XXXX and then I worked at XXXX. I am in the process of obtaining those records and documents to try and prove I was in XXXX Tx that entire day and not in XXXX where the ATM fraud occurred. They have not been able to show me any ATM or bank footage which could prove it was not me. They wont look at the number or call records that called in to the bank as me and made false claims and edited my account settings, which would clearly not be my voice or phone number.

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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went to log into my Chase bank account on XX/XX/XXXX. It said that my account is locked due to suspicious fraud activity. So I called the bank to find out what happened and they said they are no longer continue in a relationship with me and would not give a reason why. I have four account with them two of them are college account for my daughters. My one daughter is receiving unemployment and had a large deposit put into her town about a week ago for the back pay for unemployment. When talking to customer service a supervisor told me I can go to the branch and withdraw my funds and not have to wait for a check so I go there to do it and they will not help me. I also left a message for the branch manager on XXXX to call me to see if he can release the funds and he has not called me back. So while I'm at the branch I call customer service and the guy on the phone told the personal banker that they have to release the funds in my checking account because those are not related to the unemployment and it's against Federal regulations to hold the funds in that account that are from my employer. He still refused to do so his name was XXXX at the bank. He told me he would email the branch manager XXXX the contact me on Monday XX/XX/XXXX to see about getting my funds released. This is the same branch manager that did not call me back on XX/XX/XXXX and he did not call me back on XX/XX/XXXX either. I am still waiting for my funds to be released and I don't know what to do at this point. The branch manager refuses refuses to take my calls or return them and I need him to release the funds according to the customer service call center

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened 3TD bank accounts 2 of them still have the initial deposit being held and the other checking account, the funds were released to me and 15 minutes later there was a hold placed on my available balance and now I am back in the negative with my account balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have had a checking account with this bank for about 2 years now, and seemed to have no problems with anything. However, I went to open a savings account recently (XX/XX/XXXX ), and could no longer access my bank account online. All of my accounts with this bank are currently locked and frozen. I called the online banking customer service number by phone and all they could tell me was that I needed to visit a local branch to verify my identity. However, I do not have a local branch. It has been more than four months now that I have not had access to the money in my accounts that total well over {$2000.00} at this point. I have not been able to pay all of my bills due to my money being held up like this. I do not care if I keep the accounts at this point, I just want my money back. It looks like I will be resorting to XXXX, XXXX, CFPB and local state attorney general complaints until I can get this problem resolved. I would not recommend for anyone to do business with this bank as they will attempt to do nothing but steal your money outright. If there was a problem with my savings account application, then the account should have simply been denied, versus you taking {$2000.00} via my XXXX XXXX XXXX debit card out of my external bank account to fund it, and then freezing all of my accounts at your bank. I know that I provided all my correct information on my applications, and even received a paper account statement recently at my home address, so I know that my address is correct. Please let me know how I can gain account access at this time, withdraw my funds, and close my accounts with your bank.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I applied with XXXX XXXX XXXX for a VA Home Loan, FHA Home Loan, XXXX home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX ext. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( XXXX ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the XXXX XXXX XXXX, Compliance, General Counsel and the President of XXXX XXXX hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, XXXX, and or a XXXX Home Loan  as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to XXXX, and I've advised XXXX of my instructions for non-delays, let me explain, just like I file 439 XXXX Congressional Inquires, I advised XXXX, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, XXXX of their XXXX duties. Systemic XXXX XXXX acts will Not prevail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been using Citibank with no issues, until now. I decided to make payments to pay down my balance via my savings account a month ago. They still have not credited the amounts and I am getting no help from customer representatives, other than mixed answers. Some sound they are literally making up responses that are not valid. Such as they havent received the funds from my bank, yet my bank shows theyve posted. Next was for security reasons I have to wait until the XXXX, until the XXXX, up to 30 days, so on since they are going through a security process for using a new account to pay. Continuously given the run around. Its just ridiculous and some payments theyve taken out twice. Im told my account is not restricted or frozen, but it very much is. If my available balance is XXXX yet Ive made multiple amounts in payments from my own bank account, same name just the savings and even the checkings ( those should go through no problem ), they told me to and I wouldnt have any issues! Nope those arent available yet either. I have to go through this XXXX 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 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have made several attempts to this collection company. On the telephone, they lie and don't answer any of my questions. I've sent in an affidavit of fraud months ago and I haven't gotten a response from there.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
This is pertaning to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through Chex systems and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.

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 2020-11-03 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: The CBE Group, Inc.
State: UT

Complaint narrative:
I am trying to get all of accounts that are in my collection accounts section on my credit report to be removed and corrected on my credit report ... Because none of these accounts are mine. I have tried to file a dispute with XXXX personally on there site online but it continues to give me an error # ( XXXX ) So im unable to complete the dispute process. 
The only account in my entire report that is mine is for the mortgage loan I have still revolving to this date. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
Date of Application for Financial Loan- UNKOWN . 
- Possible of Forgery of Complainant 's Signature. 
- Predatory Lender 's Acceptance this Application for Loan. 
- My Sister wanted to obtain Solar Panels to lower Electric bill. She asked me my opinion about Solar Panels. I told her I do not know much about them ; but if the Panels really decrease the electric bill then I guess they are ok. 
- I also told her that if she gets them that's her project. I can not afford to help pay for them. 
- On my USPS.com app. I noticed a weird letter envelope from a Company I did not know about. I asked my sister " Why were our names are on this strange Envelope? '' I told her I want to read it after she's done. She avoided my request 3 times and never got to read the letter in this strange envelope. [ Refer to Attachment Envelope. ] - On XX/XX/2020. I wrote to Ygrene Company. Told them I did not : Recognize, nor have any business relations, and did NOT SIGN ANYTHING with this Company. I requested if any documents that had my signature on them to email them as an attachment to my email address. 
- Remove my name from what ever. I told this company I do not get involved in my sisters affairs, and told them this matter must be between you two. [ Refer to my letter 2 Attachments ] - XX/XX/XXXX, XXXX Ygrene emailed me a letter attachment.. States ; " Addressed to the Owners of the Property. As a Reminder, the financing is tied to the Property only, instead of the Individuals, and is repaid over the financing term through the property taxes. '' Also stated Property was .removed off mailing list. No it as not been removed from the mailing list. 
- NOTE- NO COPY OF CONTRACT SENT, AVOIDS ANY ACKNOWEGEMENT ANY SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM. 
- Sister 's Trusts Litigation Confirms that we as sisters had Accepted a Settlement Agreement to not repay Trusts amounts with money but settled this matter accepting one half of property value/worth to be gifted to me and son from my sister. DA closed the Trust Case. 
- I DID NOT SIGN ANY CONTRACT FOR A XXXX LOAN ; AND WAS NOT SERVED WITH ANY SIGNED DOCUMENTS WITHIN THE LEGAL TIME TO HAVE DELIVERY TO CONSUMERS. 
- BOTH ENITIES ARE AVAIDING CRUCIAL ANSWERS TO MY LEGAL CONCERNS THAT FORGERY AND THIS LENDER IS A PREDATORY LENDER IS A GREAT POSSIBILTY I AM CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dear Sirs : My credit card company is charge me every month doubled the payments We are in pandemic situation I pay every month but this people are brutal very unfair Businesses practices, I call several times to dispute the charges but not one can not help me, ask them for a replacement of my card but nothing yet, I dispute a charge was clone card and they never help me. 
How you can help me.? 
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