vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
PROBLEM WITH TDBANK, I own a home valued at XXXX,, wanted to refinance at lower rate and only XXXX,, quoted 2.75 percent and XXXX points,,, started process XX/XX/XXXX,, everything faxed and refaxed multiple times,, no one reported for a period of time what was missing, then when they requested materia it was sent and resent. spoke to superiors multiple times,, closing was suppose to be XXXX XXXX,, on XX/XX/XXXX they extended closing to XX/XX/XXXX and raised the points to XXXX,,, the closing delay was their issue and only there issues.. trying or last 48 hours to go back to XXXX points but no response.. looks like they will wait to XX/XX/XXXX and raise the points again.. worse part is my personal and business account is with TD BANK,,, they are poor to respond and report what is missing and then appear to misplace it,,, i dont know what else to do, i have spoken to anyone reachable at TD BANK without any satisfaction. please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/2019 My previous mortgage company DitechI Reported I did not pay XX/XX/2019 I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: NJ

Complaint narrative:
In a previous complaint to the CFPB under case number XXXX, the aforementioned agency mentioned in the complaint responded to on XX/XX/XXXX, advising that the {$75.00} debt was incurred over 2 years ago, which I was not aware of. Therefore, on the above date, payment was made in full with the online portal of NRA Group , LLC. 
I was informed that billing was requested, please ensure that if the billing documentation is not associated with me or for a date of service prior to XX/XX/XXXX, that the appropriate refund will me made to me. 

Also, as mentioned, I was not aware of a small balance owed as mentioned above, as soon as it was clarified and brought to my attention, payment was made. Please ensure that nothing is reported to the major credit reporting agencies/repositories.

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 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: NC

Complaint narrative:
I filed a complaint against GreenSky, the complaint has now been closed, however in the complaint they agreed that I was owed money and credited my account, however I was not refunded and because I did not want to incur additional charges I paid them in full. I believe this disputed amount which they sent a bill showing the credit, should be refunded to me. When I called they advised they XXXX  the account due to payment In full and the account is now closed. However since they agreed the disputed amount should be credited to my account I am not understanding why they have not refunded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my SECOND complaint. I find this unnecessary that I'm having to do this again. I did file the first complaint not anyone else This is a stall tactic on their part. I have file a dispute back in XX/XX/2020 one complaint already and now second one. It has been XXXX months now and NOTHING. How many times do I need to file things to get this DONE. If this is not taken care IMMEDIATELY I will have no choice but to take legal action against Experian.

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 2020-10-16 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: TX

Complaint narrative:
I opened a Citibank Secured Card for {$600.00} credit limit secured by {$600.00} in XX/XX/2019. On XX/XX/XXXX, my bank declined to honor a payment on my account and Citibank added a {$25.00} return check fee. On XX/XX/XXXX, my bank did this again. Citibank closed my account on XX/XX/XXXX. I called them and they told me that they could not give me information as to why on the phone, and to wait for the letter that they were mailing me. They also said that once I received the letter, then I could ask for a new account to be opened. I waited several weeks and finally got the letter. I composed a letter explaining the situation with my bank and promising it would not happen again, and asking for a new account. I have tried calling their customer service center several times and can not get any information. They just talk in circles about the account is closed and that I need to pay the minimum payment on the account. I ask about my secured deposit and they just talk in circles that it takes them 21 days to review. At the time I was calling, it was XX/XX/XXXX ( today ), which has been OVER 21 days. When I point that out, they just repeat their script that it takes them 21 days to review .... I have already gotten a statement from them dated XX/XX/XXXX. which is after the " closed '' account. And the balance is {$590.00}. They have a security deposit in the amount of {$600.00}. So my thought is that they apply that to their bill and it IS closed. But they are holding my {$600.00}, closing the account, and still saying that I need to continue to pay the bill while there " 21 day review '' happens. But the 21 days has come and gone. I want either a new account opened secured by the {$600.00} and they can transfer over the {$590.00} balance and I can go back to paying and using my card as I was .... OR Apply the {$600.00} deposit to that final bill and we can be finished. 

Please help me as their customer service center is frustrating and just repeats the same script no matter what you say or ask. 

I am attaching the statement and the text from their website in regards to this secured card.

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 2020-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to temporarily remove a security freeze from Experian. Experian is the only major credit bureau that does not allow free credit lock or unlock. Instead I must either pay to subscribe to their service, or use a free credit freeze which they make abundantly difficult. 

I have previously been able to unfreeze my report with Experian online, but today am unable to accomplish this, either by online or by telephone. I had all the appropriate information at the ready, but their system seems designed to frustrate and encumber, forcing one to buy their product. 

First, Experian.com tries to send you to a marketing screen to buy their product. If you get past that, it makes the credit freeze information difficult for consumers to find. After youve managed to find the appropriate screen, things get even weirder. It will attempt to frustrate you, highlighting multiple fields as invalid. The trick to avoid this particular Experian trap is to revisit each highlighted field, delete the last character typed, and then re-type. Now, when you finally have that trick mastered, it will ask for a pin. For some reason, it adds extra numbers after you type this pin, so you will have a wrong submission each time you try to submit your request. It will then tell you that you have exceeded your request limit and direct you to mail your personal information to Experian. 

Does any of this sound reasonable? This credit bureau, as a company that consumers have NO choice but to do business worth, is essentially strong-arming people into buying their product. 

I tried four times, calling two different Experian phone numbers, to get my issue resolved. Each time I was stuck in their phone system, Unable to resolve the problem or speak to an actual human before the system abruptly ended each call. 

What this company is doing is reprehensible. We as consumers, should maintain the right to place a freeze or unfreeze on our accounts without undue duress.

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 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Once again, I write to complain about the intolerable dysfunction of my checking account at JP Morgan which is not being serviced in any reasonable manner. Numerous previous CFPB complaints about the same and related issues have resulted in no discernible difference using this account. 

Today I tried again to make a small test payment with XXXX from this checking account. And again, I was blocked from doing so. Specifically, prompts within online banking initially claimed that there was no cell phone listed in my profile information, despite the fact that one was already listed and had been entered weeks ago. I then entered the same cell phone number that JP Morgan already had and the same non-sensical message indicated that the cell phone number entered was not a cell phone number. As previously reported, I am blocked from using XXXX while it has been advertised as a service on the account for months to years. 

After determining that the cell phone number that JP Morgan already had and that I re-entered was not recognized as a cell phone number by JP Morgan, thus preventing me from being able to use XXXX, the other joint owner on this account tried to send {$1.00} to the same family member through XXXX. Although the {$1.00} test XXXX payment that we were trying to send to the recipient was deducted from the checking account, within minutes, it was credited back to the account. In addition, it showed that the money had been sent to the wrong bank rather than to the correct one. Not surprisingly, the default, incorrect bank was Chase. 

In multiple ways, two joint owners of this account were again blocked from transferring their money through XXXX, blocked from entering accurate information for an outside receiving bank, denied the widely advertised service of using XXXX, and generally blocked from transferring any money outside of JP Morgan and its minions of related institutions. 

The pattern of repeatedly dysfunctional interference with all electronic transfers of funds is that JP Morgan is unreasonably preventing money from leaving its holdings through any means. I have reported similar interferences with other kinds of electronic transfers of funds. This pattern is similar to another one characteristic of JP Morgan Chase : the quick posting of debits to credit card accounts while taking, twice, three-times or even longer to post credits. There is widespread evidence of JP Morgan generally hoarding funds owned by its customers and refusing to release them for any number of reasons. 

Finally, we know that the would-be recipient of these XXXX payments, a family member, never got any notification from XXXX or JP Morgan on his cell phone, providing more evidence that the payment is being stopped for illicit reasons by JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: IL

Complaint narrative:
Auto insurance renewal with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/2020, Fair Credit Reporting Act Notice has incorrection information which has had an adverse affect on insurance premiums. The report states that I do not qualify for a more favorable discount due to the items listed on my credit report. 
Renewal dates XXXX XXXX. 


Equifax generated the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a notice from my credit card provider Chase that I qualified for a one month deferral on my payment. I took advantage of the offer,  skipped XXXX 's payment like they said I could and then made my payment for XXXX. I then received a letter stating that because I used the deferral they were reducing my credit limit by {$1000.00}. I have always kept this account in good standing. I have never made a late payment and I have always paid more than my minimum due. The Chase representative told me it had nothing to do with the deferral that they do frequent checks on all accounts and had decided it was best to lower my credit limit. I find it odd that they never did one of these checks before I took advantage of the Covid relief deferral just one week later as a matter of fact. I feel they are being unfair and taking undo advantage of Federal Covid relief funds put in place to help consumers such as myself. I want my full credit available amount to be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I purchased the American Express Serve card from XXXX on XXXX XXXX XXXX in XXXX, NC on XX/XX/2020 at XXXX XXXX. I gave the cashier {$520.00} to cover the {$500.00} balance for the card and also my driver 's license. Upon leaving the store I tried registering the card to use it to pay my bills, but the card wouldnt work. I called the American Express Serve customer service number and spoke with a representative and theyre telling me the card isnt activated and to return to the store that I purchased from to do so. XXXX told me theres nothing they can do after post-activation since theyve given me the card activation sheet that was attached to the receipt and to call the number on the back of the card again. I mentioned this to the serve representatives and they told me to send in further information. I was given the wrong email twice, and an outdated email and its been two weeks with no kind of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX XXXX an auto loan representative with Bank of America . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of Bank of America since 2015 so they are well aware of my mailing address. She said that BOA had my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. 
I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.

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 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: NE

Complaint narrative:
Halstev Financial services calls up to 10 times a day.. I have asked several times for proof of debt in writing.. and how to.dispute it.. they have asked for several different amounts.. and sent only one email that has no dispute information in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
First they cut off my card because they said that I filed too many claims. Even though they were found in my favor they still canceled my card for a year. Now I filed a claim on my husband card because I have a joint account, they said that they sent paperwork requesting information and through their app inbox. I advise them that we never received it. I told them that I never received any of my items from XXXX 'XXXX  and that I needed to file a dispute. I went to the store to get a refund they gave me my receipt but I never received my money. When I filed the claim I offered to sent that info and they said no. I was told that they never sent it thru the message center. They said they sent it in the mail but I never got it. They threatened to close my claim. I finally sent them the paperwork they need and I have received 3 different timeframes as to when the claim will be completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 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: MO

Complaint narrative:
I am writing this letter because there are accounts being reported that's not minesXXXX XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have
no acknowledge of this account XXXX XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this 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 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account payment history is inaccurate and in violation of the FCRA because XXXX  is reporting account XXXX XXXX payment history reports XX/XX/XXXX 90 days past due when transunion is reporting XX/XX/2019 current this is factual and is inaccurate and this account needs to be deleted from the report. the account status says 120 days past due but the reported balance says XXXX as inaccurate and is in violation.

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 2020-10-16 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:
Account payment history is inaccurate and in violation of the FCRA because EQUIFAX is reporting account XXXX XXXX payment history reportsXX/XX/2019 90 days past due when transunion is reporting XX/XX/2019 current this is factual and is inaccurate and this account needs to be deleted from the report. the account status says 120 days past due but the reported balance says XXXX  as inaccurate and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
XXXX XXXX XXXX calls up to 10 times a day.. I have asked several times for proof of debt in writing.. and how to.dispute it.. they have asked for several different amounts.. and sent only one email that has no dispute information in it.

Company response to consumer: Closed with explanation