vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I contacted all three of the credit bureau, XXXX XXXX  and Experian. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.

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 2021-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
No response from company

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 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: DISCOVER BANK
State: IL

Complaint narrative:
I paid off my credit card debt with Discover. Discover then sold my account from what I was told to another bank. I began getting gets calls saying I owe over {$900.00}. My spending limit was only {$500.00}. Its impossible for it to be that much. Plus, I did pay it off. My information was sold to another bank without my knowledge and contained in accurate information and in insane amount of money I actually dont owe. Im still harassed to this day from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The Comenity bank Wayfair credit card is reporting incorrect late payments on my credit bureau accounts. I have contacted them multiple times to resolve this and the payments are still showing incorrect. 

In XXXX of XXXX, they reported I had late payments on XX/XX/XXXX and XX/XX/XXXX. I reached out to them to correct this and they just moved the late payments to new dates. 

Currently, my reports show as follows : XXXX - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late As you can see these dates are all over the place and none of them are accurate. This account is closed and paid in full yet these false late payments are harming me and preventing me from getting approved for a home. I need help with having them remove these false lates from my credit reports asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Someone used my information to open an account at the Bank of America, I do not recognize that account with a value of {$930.00} dollars. I have tried in many ways to solve this problem for many years with bank of america and they keep posting that account on my credit report In my credit report it does not show an account number to identify it, it only shows a debt with that value. 

bank of america wants to force me to pay a debt that was not mine

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2021 I purchased a item from Amazon for {$200.00} and used my Amazon Store Card from Synchrony Bank. On XX/XX/2021 I returned the item back to Amazon and was given credit by Amazon, however when I looked at my online statement I noticed the credit was not applied to my card. So, I called Synchrony and asked them about the credit that was not showing on my account and they refused to apply the credit to my card because they said they have to hold on to it for 30-60 days. Then in addition to that they charged me interest on the monies that were credited. I

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 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
I went on XXXX military orders on XX/XX/XXXX and became eligible for benefits and protections under the California Military Families Financial Relief Act ( CMFFRA ). One of these protections is the deferment of principal and interest during my active-duty time plus 60 calendar days. I submitted orders to the company and was initially denied.

After requesting a second review, I was approved, but under SCRA benefits ( Federal benefits, not the State benefits I requested ). I have continued to make regular payments every month. 

On XX/XX/XXXX I spoke to XXXX ID # XXXX and requested that all payments above the required escrow payments during my deferral be applied to principal. 

On XX/XX/XXXX I received a letter that my deferment was approved through XXXX of XXXX. 

On XX/XX/XXXX I received an alert that my account was 30 days overdue and my escrow account balance had decreased without any disbursements. By CA law I am required to continue to make payments towards escrow, however XXXX had placed those payments in a separate deferred account. I attempted to call XXXX, but was on hold for longer than 30 minutes. I sent an email to XXXX XXXX at the address listed on the letter I received ( XXXX XXXX but did not receive a reply. 

On XX/XX/XXXX I received a credit alert that my fixed rate loan had been raised by {$8100.00}. I again attempted to contact XXXX, but did not receive a return call after leaving my number with their automated system. I again sent an email to XXXX XXXX, but did not receive a reply. 

On XX/XX/XXXX I noticed that my account had 8 balance adjustments and payment reversals over the last 6 weeks and my payment due was double my standard payment even though I was supposed to be receiving an interest free payment deferral through XXXX of XXXX. I again called XXXX and was on hold for over 45 minutes with no answer. I again sent an email to XXXX XXXX asking for a call back and explanation of my statement and what was happening to my payments. I did not receive a response. 

I have never seen a more incoherent misapplication of state benefits, and I believe it to be in violation of the California Military Families Financial Relief Act. I am unable to speak with anyone at the company and as I write this I have been on hold for over 40 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
Ars account resolution Account balance XXXX I tried contacting to ask for written proof on what they are saying is my balance with anything that has my signature and any other information that can explain and show me. I have never signed any hippa papers or anything of that sort

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 2021-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX am filing a dispute against National Credit Adjusters for stating that I allegedly owe this debt. I have found several laws that National Credit Adjusters have broken the laws that are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX XXXX am the consumer ( individual ) and National Credit Adjusters is the person ( corporation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MA

Complaint narrative:
My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX  XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit

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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have received a notification on my credit report that CMRE Financial Services is allegedly claiming that I owe a debt and that they are trying to collect. CMRE is in violation of the laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter I XXXX XXXX XXXX am the consumer ( individual ) and CMRE Financial Service is the person ( corporation ).

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

I DID NOT INSTRUCT CMRE FINANCIAL SERVICES TO REPORT ANYTHING TO ANY REPORTING AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: NC

Complaint narrative:
so i contacted this company about my credity report having false and misleading information on it and not only is the false items still on my report but also they have yet to respond to me and it has been like over 2 months. I dont know whatg i am supose to do if i have already wrote them and didnt get anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
1. On XXXX XXXX I filed application to refinance my current 30 year mortgage with Citibank 2. On XX/XX/2020 I received " welcome '' package with schedule of closing costs. 
3. On XX/XX/2020 I was charged {$720.00} ( application, appraisal and several other fees ). 
4. My property was promptly appraised and report rendered in early XX/XX/2020. 
5. I received commitment letter from Citibank on XXXX XXXX ( Attached ) 6. Since that time, on several occasions, I was told that my loan is ready to be closed " in the next few weeks ''. ( attaching emails from Citibank reps ) However, as of today, Citibank failed to close my mortgage and provide any reasonable explanation for such extensive delay. All these months I've been dutifully and promptly responding to Citi 's reps requests to provide my latest pay stub information in order to " keep my file updated ''. It is becoming more difficult to reach bank reps to obtain current status of my mortgage application and receive any reasonable date when my loan could be closed. My phone calls and emails are simply getting ignored. 

I firmly believe Citibank failed to made an appropriate effort to provide me with financial services they charged me more then 8 month ago and, thus, are involved in deceptive practices. They should have been forthcoming they do not have enough resources to process my application and I would look into other lenders.

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 monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I woke up to realize that Bank of America has deducted XXXX from my account I was in debt. After series of calls from department to department I was told to head to a branch to remove this account hold. After investigating we figured out why a hold was placed. A company kept trying to charge my account of the same amount with triggered the fraud alarm. We requested a new card. I was told the hold will be removed in an hour its been 7 hours the hold is there I m still on debt all my money was in there. I want my account back to its current state please I beg of 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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I purchased a product online from the company XXXX, which was cheap but came with a $ XXXX subscription for coaching, starting in 7 days. I didn't want that so I called their customer service next day to cancel it - and found it was impossible to get through. Because of that I went online to see what was said about this company, and found that their reputation was terrible. 

For this reason I sent the product back immediately. I had paid by credit card, with Citibank. I placed a lock on the card right away, and got notification from Citi that the lock was placed on XXXX XXXX. Citi reversed the charge I had made for purchasing the product, and the lock was on the card before the 7-day period was up, which would be XXXX XXXX, so I thought the matter was resolved. 

However, Citibank put through the {$77.00} charge on XXXX XXXX! I asked that the charge be reversed ; Citibank replied with a letter from the merchant demanding that the charge be reinstated and therefore not reversing the charge.

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with XXXX XXXX XXXX. XXXX XXXX XXXX has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave XXXX XXXX XXXX  ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. XXXX XXXX XXXX has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. XXXX XXXX  XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). XXXX XXXX XXXX used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). XXXX XXXX XXXX repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K. Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations. Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be XXXX out immediately!

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have already issued one complaint - XXXX. The company says they are working on it. I received yet another letter dated XX/XX/XXXX with yet a third NSF fee. I called on XX/XX/XXXX for the 3rd time. I've also messaged and Live Chat with them. And I have been to the local office twice. Yesterday when I called XXXX, I was told that I have no NSF fees applied to my loan and that everything is set up properly. My 1st payment out of my new checking account will happen this Friday. Today I got a letter dated XX/XX/XXXX that states since I have had 3 or more payments in the last 12 months that have not been honored by your bank ( note the letter head is the same as my Bank - BECU ), they now require my payments be sent via certified check or money order. There is a note that if I send a payment via the website, personal check, or one-time draft, the payment may be rejected and returned to me. I HAVE DONE NOTHING WRONG. I have always had the funds available for my payments. I have had this 15 year loan for 7 years and I resent being treated this way. I have never missed a mortgage payment but this mortgage servicer is trying their best to make that happen. Who knows what will happen on Friday. I called the BECU office and they have no way to help me. I called the BECU servicing mortgage line at XXXX for a 4th time today, was offered a call back and when I got one was put on hold for three minutes and then dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. 
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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I started the refinancing process in XX/XX/2020 and I've been put off and pushed back so many times I've had to always reach out to the company to find out where my loan is nobody 's never made contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
True Accord reached out by email to pay a debt from XXXX. I paid this in full XX/XX/2020 but til today, this debt has not been report back to XXXX as paid in full ( {$110.00} XXXX. 
I reach XXXX and was told no reports/updates. 
This is the 2nd request XXXX is reaching out to provide paid off. 
I emailed them today requesting update or will file consumer report. 
But after consideration, this is not acceptable as it is not 3  months aging but over 6+ months of NOT reporting this back.

Company response to consumer: Closed with explanation