vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: IL

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the XXXX data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: IL

Complaint narrative:
On XX/XX/2020 I sent a request to Equifax for report confirmation number XXXX. 
I requested an investigation of two collection accounts that appear to be fraud. 

1-XXXX XXXX # XXXX 2-XXXX  # XXXX. 

They did not reply within 30 days and I waited and extra days to see of they mail anything to me with results to my dispute. 

Since they have not sent me any results I went online and obtain my new credit report for the annuacreditreport.com website that they provide. 

I see both accounts are reported, they are not reported as disputed, which means they did not investigate within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have opened savings account in response to Citi offer to deposit $ XXXX to the savings account and receive the {$700.00} reward. I have deposited the funds however Citi closed my account originally because their branch in FL sent documentation with the check into the wrong department. Citi cashed the check but lost rest of the documents therefore allowing deadline to pass. 

An addition, Citi fraudulently charged me {$30.00} service fee each month while I complained with requirement to deposit $ XXXX to avoid service fees, monthly {$30.00} fraudulent fee which lowered my balance each months. 

I addressed this issue with Citi multiple times with no avail. 

I need all fees refunded promptly.

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 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE
State: OR

Complaint narrative:
We had a bankruptcy that did not involve our mortgage, yet our mortgage company incorrectly reported to the 3 credit bureaus that our mortgage was discharged. Our mortgage continues to be current for months now after the bankruptcy. This error makes it nearly impossible to repair our credit as it is the only payment history we have now that we are starting over. If this error were to be correctly reported, it would show several years of mortgage payment history with no late payments. We have made more than 36 calls and sent numerous emails over a 3 month period and can not get past the supervisor of what we hope is the right department. They keep saying they will call back and I keep requesting an email conversation because I can not have my cell phone at work to receive their calls. We were promised some type of status report at least 3 times and have heard nothing. We provided numerous documents that should make this error very obvious. I had to forward an email from their own attorney 3 different times, in which their attorney said there was nothing they could do, it was up to the company to correct the error. The error seems to stem from the company not receiving what is called a " reaffirmation ''. Although I am still not sure what this is, apparently it is something that was supposed to be submitted to our mortgage company by our bankruptcy attorney. Apparently, reaffirmations are required in some states and not others. Our bankruptcy occurred in Oregon where not only are they not required, but by all reports the bankruptcy courts won't even accept them. Our mortgage company is based on the East coast and their attorney is in California, where reaffirmations are required. We have tried repeatedly to explain that not only is there no reaffirmation, but even in states that DO issue them, our bankruptcy has already been completed and once that happens one can not be issued. It is extremely frustrating that the mortgage company has tons of notes containing all of the above information yet we can't get past customer service - who has to read through all of them during each phone call, then call for a supervisor if one is available and if not, they type them a message. If they log into our online account in their own system it shows our current payment status and it certainly shows the latest statement requiring a payment on a supposedly closed account from a bankruptcy that did not involve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I returned this vehicle back to them voluntary and they abandoned it because they said they wouldn't get any money from it. The Attorney General was involved in this issue and the circumstances involving this situation. They gave the vehicle to where it was located at and that was a garage. They know what they did. I don't owe them nothing. They are also are pertoary lenders and still under investigation of their practices.

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 2020-12-01 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: DISCOVER BANK
State: FL

Complaint narrative:
Today Discover Card made a Business Call to close my account for reporting the fraudulent transactions. I am grateful for CFPB its time that Credit Cards/Banks are accountable to the American people and Congress really needs to change the law on Credit Card Companies closing accounts for frivolous retaliation reasons. Discover advertising zero percent fraudulent transactions liability is a lie and a joke. I want my case documented that during COVID 19 this is what you get. Its truly the best time to get new credit card laws in legislation. I bet if Discover needed a bailout from the taxpayers the government would not close Discover Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is to make complaint against Citibank N.A. I make this complaint for the following reasons : 1. Citibank land-mailed me an offer for a credit card. 
2. In XX/XX/2020 I responded and applied for the credit card. 
3. Upon approval and receipt of the credit card I realized it was a balance transfer card ( Diamond Preferred ) as opposed to a reward card. 
4. I asked Citibank to convert the balance transfer card to a rewards card. 
5. Citibank responded that they could not convert the card. That I would have to make a new application for the rewards card. 
6. Accordingly, I applied for the rewards card but according to Citibank, was not approved because Too many recently opened accounts were recorded on your credit bureau report. 
7. I then telephoned Citibank for clarification and was told I had to close all accounts opened in the previous 365 days before my application could be reconsidered. 
8. I complied. 
9. I closed all accounts, five, including the Citibank XXXX XXXX account and land-mailed Citibank a letter of confirmation including documentation for each. 
10. After 30 days with no response, I telephoned Citibank to ask about the status of my reconsideration application. 
11. Citibank responded that I had to reapply, again. 
12. Upon reapplying I received an identical letter, dated XX/XX/2020 and in complete ignorance of the facts, stating my application was denied because Too many recently opened accounts were recorded on your credit bureau report. 
13. At what cost to my credit rating has been Citibanks irresponsibility?

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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
On or about XXXX XXXX, 2020, I received a demand letter for an unpaid debt with XXXX XXXX XXXX with an alleged balance of {$730.00} from Afni, Inc. doing business as Afni Collections. 

However, two days prior I had closed my XXXX  XXXX XXXX XXXX account and received a billing statement on XXXX XXXX, 2020, that is due by XXXX XXXX, 2020, in the amount of {$130.00}. 

I only have one XXXX XXXX XXXX account and it is current as I have the most recent billing statement for the account that was just closed one week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
USAA will not respond to enumerations 1 and 2 of my letter dated XX/XX/2020. Several follow-ups by phone did not yield a response to my letter. Was told that USAA does not respond to letters and other times that the letter will be " escalated. '' Never heard from anyone. 

At # 1, USAA reduced my credit limit from {$20000.00} to {$2500.00}. I was not apprised of this change. Was told a letter was sent to me. I never received it. I requested a copy of the USAA letter. I never received it. Change was reported to the Credit Bureaus causing a severe drop in my credit score. 

At # 2, USAA will not provide an explanation as to why I have a Y-T-D interest of {$5.00}. I never accrued interest charges. USAA will not remove it, as it continues to appear on Statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have filed several disputes with the three reporting credit bureaus about several collection accounts that appear on my credit report. I have asked for verification of debt and verification of the right to collect which the collection agency has not been provided. When I dispute with the 3 credit bureaus they tell me that the collection agency has certified the debt and that it is " accurate ''. Initial contact with the collection company National Credit Adjusters dated XXXX tells me they will send me information on their investigation which they have not done to date. Yet they still report the collection on my credit reports on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Well 's Fargo bank is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. 
This account is in a closed/charge off status. This account is posting activity well after closed/charge off. 
Most recently as XX/XX/XXXX. 

This account is reporting MONTHLY : a credit limit late payments past due Last Payment are posting inaccurate : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Reporting ( 3 ) different closed dates : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Multiple account numbers reporting : XXXX XXXX XXXX, 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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
Sent a payment to Flagstar bank on XX/XX/XXXX. The amount of {$53000.00}. I have been sending payments to Texas for other banks in the past and I know it takes from 3 to 5 days at most. I have recorded the conversation with the person who answered at XXXX. She told me that she did not see my payment but did see a internal transfer on XX/XX/XXXX. Because it was an internal transfer that tells me the bank received the funds sometime between XX/XX/XXXX to XX/XX/XXXX. Even that is a excessive USPS delivery time ; which I don't believe for a moment. The USPS has never been that inefficient in 20 years sending mail to Texas. When I asked to be given a supervisor he denied they received it. It is my belief this bank is engaged in fraud. If they delay early payments until the end of the month and hold on to them until then instead of processing ASAP ; they charge me more interest and if they do that with hundreds of thousands of customers it is easily millions to potential billions over time they steal from their customers, like me. This appears to be a business practice at Flagstar. They are to process payments as soon as they get the check and not hold them until the end of the month. I expect to be reimbursed the interest difference between the loan and the loan less the payment for the 12 days they did not recognize the payment or roughly {$57.00}. I also expect the federal government FDIC and other organizations to investigate Flagstar. Now that I can not trust Flagstar I will walk my payments into a local branch in Arizona. A final note I told the supervisor I know the payment will magically appear either XX/XX/XXXX or 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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
<About What Chase did so far> When I was in US, I tried to send my money to XXXX. But banker did mistake. 
But banker told me that it was success so I closed the account. 
After going back XXXX, I asked banker whether it was ok or not then he told me that it was not ok. 
I asked them to send check to XXXX but they said they can not. Only choice is going to US to show ID. 

<NOW PROBLEM> I refused to go to US. Then they sent check where I lived. 
My ex roommate sent me the check and I went to the bank ( XXXX ) to convert it.

Banker at XXXX told me that it is not fake. 
3 days later, the banker gave a call that " Chase refused to pay money. They said stop payment. '' WHAT?????????????????????????????????????? // I can not believe what chase did so far.

I really can not believe.

I can not allow Chase any more. 

Please give my money back. 

Chase bank is fraud!!!!!!!!!!!!!!! 

I am ready to sue the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
The Debt Collector Source Receivables Management acting on behalf of XXXX called me in XXXX to collect {$1400.00} which I assumed included an inflated amount by the agency.I said I didnt have that much so they offered to settle for {$800.00} and wanted my bank account info and like an XXXX I gave them the info and at the proper time {$800.00} was withdrawn which I thought settled the matter.Today XX/XX/XXXX they sent me a letter that they had charged my account an additional {$1000.00} causing an overdraft fee 's by my bank. I am working with my bank but their hands are tied until the draft is processed.I only hads {$800.00} in the account prior. I intend to sue this collection agency for causing me pain and suffering.Had they been ethical this issue would have been over. The collection agency is Source Receivables Management of XXXX, NC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TX

Complaint narrative:
I have reported this account to Experian showing them how they are reporting this account incorrectly. The last time I reported this account to Experian, on XX/XX/2020, they send me a result reporting this account was verified and that the information on it was updated and reported as correct, or accurate. 
How can it be possible this account is ACCURATE when this account is reported as 70 charge offs?? 
I have also contacted XXXX XXXX and they havent responded to me at all. How can they keep reporting this account without providing me ANY proof of this account? And then to report this one account as 70 CHARGE OFFS! 
Surely this has to be against some kind of regulation? They are continuing destroying my credit by reporting this account wrong, but it almost seems like theyre doing it on purpose to damage my credit more? 
I have attached Experian 's 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 2020-12-01 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am reporting this account to you because when I saw this account reported I was confused. The status of this account is collection/chargedoff yet there is no balance, there is not a single late remark on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA

Complaint narrative:
I have been contacting this company since XX/XX/2020 asking to exercise the buy out option since it has been 5 years. I was ignored and promised a response over and over again. i wrote 11 letters called 10x and send 6 emails with no response. finally on XX/XX/2020 Ms XXXX responded to me and advised me they would take the XXXX buy out option and I advised her I would pay it on XX/XX/2020, I asked her to send me an email or a letter something stating that the XXXX would be the buy out and an address were to send the payment. I received nothing, I called her again on XX/XX/2020 and asked her again for something in writing and a payment address, she let me know someone from legal would send me something. Today is the day and I have nothing still. I can't send a payment to the previous address because the last 2 payment I send and I have proof of still have not posted to my account. I am not sure why they are not posting my previous payments. I need a letter stating the XXXX is the buy out amount and an address were to send the payment or how to make the payment. Please help, your company was able to get them to call me so I hope your company is able to get them to send me the documents to get this taken care of. This is their contract I am going by they should be forced to follow their own contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My complaint # is XXXX. The following is an update. 
I received a Computer Reply to the Complaint. Once again the have not responded to my question. They are dunning me for {$230.00}. I have agreed to pay that amount provided they verify that I made the purchases in this amount including to whom requested. Thus far they have not answered my question which leaves me to believe the charges are False I am XXXX yeas old and would hope you will help me. 
By the way, Capitol One has reported me to the Credit Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Please DON'T CANCEL THIS REQUEST AS DUPLICATE. 
GM FINANCIAL has re-reported incorrect information about my auto loan. Although previously disputed after CFPB reporting the company fail to maintain the correction of my dispute results which were to remove the XXXX late reporting for XXXX and XXXX both deferred payments. XXXX XXXX and XXXX were to be removed u see Cares Act and documents were sent to company and bureau to correct and both failed even with documents clearly stating THIS. I need CFPB to push the required law

Company response to consumer: Closed with explanation