vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I have reached out once before due to First Horizon having a hold on my funds. My account still has a hold. After my first complaint they finally decided to reach out and send a letter by mail. Nothing has yet to be done. They stated they are waiting on response from lender. Weeks have passed. It has been well over a month and a half. Why accept the money in the first place? They find people they feel are gullible and try to run circles around them. This money has been disbursed to my personal account. On behalf of Sba I am legally responsible. I have an fiduciary obligation to pay this money back. I had to have qualified to get the funds. I go through the process of getting approved and the banks of course are up to their usual schemes and politics as far as keeping my money as long as they could possibly hold it earning interest. This is very disturbing. We have to continue to educate and arm ourselves with knowledge and be up to par when it comes to these issues. I should have never left the bank without my money in the first place. I will be filing several more complaints. How dare you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a Capital One credit card, that I make consistent ( early ) payments on, often 3 weeks early. I pay my bill as soon as I get my email. 
For 2 months ( XXXX and XXXX, 2021 ), I did not receive a bill. I got an email from XXXX, ( not from Capital One ) stating my bill was 2 months late. I immediately called Capital One to take care of this, and explained that I never received a bill, or an alert as the company calls it. They told me that it was my responsibility to log on to my account, and it was my responsibility to pay my bill on time. 
Why would anyone sign up for e-billing and be expected to remember to pay the bill, when one ( myself ) never received a bill. 
After multiple conversations, they told me my account had a spam block put on it, by my carrier, ( so they say ). In the months that this incident occurred, I have received all my other bills through email, just not Capital One. They never called me, in the 2 months, to let me know my payment was late. They never texted me. They made no attempt to get ahold of me. When I spoke to the IT person, they said Let me try something, and Ill email you. I responded that the reason Im calling is that the emails arent going through, as I hadnt received them in 2 months. They did something in their end, and then said, Its fixed now and the email came through to me. I am not an IT expert, but if something was done on their end to fix it, isnt it their responsibility to make sure it doesnt happen?

My credit score, because of this, has dropped 150 points, going from excellent to good.

I am very proud of my excellent credit score, and have worked very hard to have my excellent score.and to think that it could drop significantly in such a short time, due to Capital Ones error, is preposterous. They hold no accountability regarding this issue, and they state its all on me, to remember to pay my bill. Why do people sign up for alerts? To remind them to pay a bill. What happens when people dont get the alert to pay their bill? They dont pay it. 
If a tree falls in the forest, with no one around, would anyone hear it? 
If you dont get a bill, how are you expected to pay it? 
I want my credit score back, and I want the late payments taken off my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
I received a letter from my mortgage company that my mortgage had gone from {$990.00} a month to {$2000.00} a month. When I called my mortgage company they said it was because my insurance was so expensive and they were very condescending to me. I called and got new insurance. When I spoke to the new insurance agent he said there was something terribly wrong. I called XXXX  back they said they had made a mistake and sent a check for {$4000.00} to a wrong insurance company and once they got the check back they would update my mortgage payment. I also received a check back from the second insurance company ( because XXXX told me that was the cause of my mortgage going up so much ) that I immediately turned over to XXXX. After they put all the money back, my mortgage payment was still {$1100.00}. That is {$170.00} more than it was prior to all the insurance mistakes. I have spent countless hours on the phone with insurance companies and the mortgage company and I still have no explanation why my mortgage would go up that amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2021 i spoke to a Lowes credit office employee name miss XXXX told her i didn't apply for a Lowes credit card i came to the store with a friend XXXX XXXX and the sales person asked for a reference and i gave her my personal information she told me the sales person have me down as an authorized user of this card o told her i didn't request that she that i will be removed and ask to inform the credit she said she will and i have lost 11pts on my credit as a result i have no Lowes credit 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 non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services
State: DC

Complaint narrative:
On or about XX/XX/XXXX, I experienced an unexpected financial crisis and needed additional funds to help me with this matter. Better Day Loan pre-qualified and later approved a loan for {$1000.00} on or about XX/XX/XXXX. After making 12 successful payments, in an email dated, XX/XX/XXXX, I was notified that I may be eligible to refinance the current loan to a new one with additional funds at a lower rate to which I received an additional {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX - I lost my job and had to move out of apartment in XX/XX/2020 due to Covid. I told them all this when I called multiple times and went in-store to return equipment. 
Not 1 person said I owe ANYTHING. Come to find out they charged my credit card {$250.00} without me authorizing it. 
I contacted XXXX multiple times and the associate is not able to make any executive decisions only a manager. I asked multiple times to speak to a manager and no one ever called me back or got on the phone.

I contacted my XXXX  credit card and they disputed it for me and reverse the charge and then XXXX put it into collections. 
XXXX says I owe a cancellation fee and other money. There is NO way due to Covid that XXXX is the only company not helping people. I had no idea about a contract - let alone a XXXX fees. 
I just called them again, and they still wont put a manger on the phone. 
They are a disgusting company and inhuman.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Originally told over the phone I would receive the XXXX sign up bonus on XX/XX/XXXX when opening my XXXX XXXX XXXX card. I have been fighting with them as they refuse to honor this phone conversation with one of their representatives. I have spent months calling and chatting with them regarding this between XXXX to XXXX. Finally On XX/XX/XXXX a chat representative offered me XXXX Skymiles to make up for this, I have screenshots and this offer is still in the chat, they asked me to open a dispute for this on XX/XX/XXXX after nothing for a month. Now, today on XX/XX/2021 after having to call in the past few weeks to get a response to this they are now refusing this that they have offered as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITYWORTH MORTGAGE LLC
State: FL

Complaint narrative:
I was working with City worth to refinance my house just started in XXXX and and they said that my credit score was too low and to work on it and they would figure out how to get my refinance to go through they called me every single day saying they were closer and closer yet I did not know they were pulling my credit numerous times and sadly they said I was approved and all in all it was a huge scheme and now they want me to pay the money and refuse to take the inquiries off my account because they want to continue to try to get me the loan even though I have not given them consent to keep pulling my credit and they pulled it to the point that I can not refinance with anybody and they have taken the last 2 years of my life of trying to get my credit up and destroyed it the man working on my case of the refinance told me that his boss what's the one that told him to keep pulling my credit and the man wants to send in a paper State and that yes he was told to pull my credit but the boss will not allow it and he told me the best thing is to dispute the charges and that's pretty sad that it's coming from somebody that's inside the company I've already reported them to the XXXX XXXX and now I am just trying to get these inquiries taken off my account because like I said they scammed me to the point where they took everything away from me and now I will have to wait another 2 years before I can try to refinance because I have to bring my credit score back up if you do not take the inquiries. off. This company has literally destroyed my life and were calling me and asking me for so much information that when I got the SBA loan from the IRS I didn't have to go through this much and it got to the point where they called me right when my XXXX XXXX and were forcing me to find paperwork and I told him I didn't want to continue on with us numerous and numerous and numerous times and then to have a phone call just last week from them State and that they were going to close out the loan because the credit score was too low and that's when I realized that they were pulling my credit almost every 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Delivery Financial Services, LLC
State: OK

Complaint narrative:
This is very disappointing I just woke up and saw that I had two collections on my XXXX from Delivery Financial Services, First off I never received a statement/bill from the original creditor with a balance and did not receive a letter from the collection agency within 30 days to dispute or valid the debt ive stayed at my current address for a year and a half there no reason the for collection agency not sending me a letter to validate the debt or dispute before it was posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
On XX/XX/XXXX I financed a car through Bridgecrest. At the time I believed that the interest rate was accurate at 26.314 %, however, on XX/XX/XXXX, upon refinancing the loan with another lender the interest rate dropped to 7.25 %. Bridgecrest would not work with me to lower the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Vehicle was repossessed after paying for 4 years amount owed on contract to Santander it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account after having several transfer issues leading to refunds and they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. This happened in XXXX XX/XX/2021. Basically I would transfer personal funds. During my first days all would go well. Unfortunately some transactions later, PayPal would first give me error messages then later would send but on the receiving party they would not receive anything. This would result in me requesting for a refund after agreement with receiving party. It went on and on and unfortunately my account shut down before i could reach out to PayPal. It had approximately {$48.00}. Im currently in XXXX and {$48.00} is quite a lot here hence it was a huge blowout to me. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT CANT BE VERIFED AND NEEDS TO REMOVED FROM MY REPORT XXXX XXXX XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/2021 i sent a certified mail requesting that a collections placed on my credit report be verified. Up to the date of this complaint i haven't received any reply on this matter.

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 2021-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am an authorized user of a XXXX XXXX Account with a credit limit balance of XXXX. The reporting date should be the XXXX of every month and it was reported the XXXX. The actual cardholder updated balance for the month of XXXX reported on the XXXX for {$26.00}. My report states the XXXX for {$130.00}. Reference # for the call XXXX. XXXX was the representative. I would like my information to be updated immediately so that my utilization can reflect correctly.

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 2021-06-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Rent Recovery Solutions sent me a letter in XXXX of XXXX I sent a letter requesting the debt be verified the only thing I received was a summary of move out charges Which doesn't constitute verification under the FDCPA in XXXX of XXXX I sent another letter requesting the debt be verified at which time they sent the same move out summary again the doesn't verify that the debt belongs to me on XX/XX/XXXX I sent another letter requesting verification i again received the same move out summary then I filed a complaint with the CFPB on XX/XX/XXXX the company responded and said that it would no longer report said debt until I was furnished copies of the required documents Again I mailed them a letter requesting that they stop reporting said debt it was signed for by XXXX XXXX on XX/XX/XXXX I still haven't received anything that was requested under the FDCPA but there still reporting it which is a violation of FDCPA section 809 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: LA

Complaint narrative:
I sent letters to all Experian, XXXX XXXX XXXX about items on my credit report that are incorrect. Its been a month and I haven't received a response. I'm a single mother that is trying to by my family a home and this is the only thing i have left that is stopping me in the process.

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