vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: MD

Complaint narrative:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 60 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: MD

Complaint narrative:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 60 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020, after 9 months of waiting, SBA approved my EIDL loan as an XXXX XXXX ( SBA EIDL Loan Agreement # XXXX ). The application process itself was strict as they were verifying my whole background ( e.g. tax returns, XXXX schedule C, etc ). 

I was approved on XX/XX/2020 and funded on XX/XX/2020 on my checking account at CapitalOne. On XX/XX/2020, just two days after receiving the deposit, CapitalOne decided to freeze my account. I received an email from them stating : [ XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX  to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ] I immediately called and spoke with a rep who was rude and treated me like a criminal. I felt like a criminal being investigated for a crime I didn't do. She said that they need to verify the deposit. I asked WHY when SBA already vetted and approved my loan and that process was 9 months long with every single documentation proving that I am eligible. I also offered to send her all my documentation but she didn't care. She simply said that my case will be assigned to an investigator, the account will be frozen and the money on hold until they make a decision. This is simply against the law as a bank can't hold my money for no reason, I am already paying interest on the money and if there was a problem, they shouldn't of let the deposit go through in the first place. 

I have emailed the bank with my documentation, proving that I am INDEED an XXXX XXXX along with the SBA loan documentation. I am also filing a complaint with my state attorney general. 

Thank you for your time and please let me know if there's anything you need from me. I am available anytime on my email XXXX or by phone at XXXX. I ask for genuine help. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My previous complaint XXXX the company provided a response and I was informed a credit would post in the amount of XXXX regarding XXXX XXXX. 

As of today, the credit has not posted and American Express stated on my most recent billing statement if I wish to payoff the balance pay less of the XXXX. I went back to review the statement and it has now been revised. 

Please assist with the reason for the delay and when I will see a credit post. 

It has now been a total of 6 months without resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX Trans Union LLC, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX To Whom It May Concern : I have done three mail requests for my Trans Union Credit Report. Would your office be kind enough to mail me a copy? I did receive my free annual credit report from XXXX XXXX XXXX, but I never received my Trans Union report. It would be greatly appreciated. 

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, XXXX and Trans Union collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XXXX XXXX LICENSE ATTACHED

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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I sold my house in XXXX Maine XX/XX/2020 ( closing ). On XX/XX/2020 the closing papers and payoff funds ( {$190000.00} ) were wire transferred to TDBank, XXXX, XXXX XXXX department. I did check with my closing agent to see if this was done correctly and it was. As of today, XX/XX/2020 my mortgage balance still shows unpaid in my account. I can't believe that they have not had time in 2 weeks to payoff my mortgage. I am so afraid they paid off someone else 's mortgage. 

Around XX/XX/2020 I had contacted them by the " send us a message '' feature in my online account. I did ask what my escrow balance, to be refunded was and asked when my balance would be paid off. I did receive a reply about the escrow balance but he said they were very busy and he did not know when the mortgage would be paid. 

We have been married for 50 years now and have had 3 other mortgages in the past, I have worked for over 20 years in banking and in neither situation have I heard of a mortgage balance not being paid off within a short period of time. I find this very unsettling. On XX/XX/2020 I contacted them again and asked that they pay me the interest earned on my {$190000.00} ( XXXX -payoff date ) when they finally decide to payoff my mortgage. Never received a reply. I also, have not received a courtesy letter from the bank explaining why it is taking so long to payoff my mortgage. 

Is this the normal for todays mortgage closing??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
I am under a legal forbearance with the cares act with my mortgage servicer home bridge financial services. My forbearance does not expire until XX/XX/XXXX. However, since the inception of this forbearance in XX/XX/XXXX, I have been receiving harassment collection calls from home bridge demanding payment. The calls come from an automated system and a live person. The calls come in every other day. The latest collection call was today from the phoneXXXX. I complained to management about these collection calls multiple times and homebridge stated they will stop the collection calls. However this morning the collections manager stated that the collection calls need to done every month. While on the call, they ask you if you are occupying the property, if there are any damages to the property and that if we have any intentions to occupy the property. These questions are questions that relate to a foreclosure and not a forbearance. I demanded that these collection calls stop immediately or I will report them to CFPB and the FTC and state attorney office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello, It's unfortunate that this debt KEEP popping up on my credit profile. I have advised that I was a victim of identity theft and it was removed! However once again it ha been added to my report and this is tarnishing my credit score. Please rectify this issue for once so I can move forward in life. I have attached the previous identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
i ordered on XX/XX/2020 a mattress set from XXXX XXXX for {$740.00} online, i cancelled order after XXXX XXXX told me they could not deliver until XX/XX/2020. i have not receive refund from XXXX XXXX as of today. 

My bank citibank is acting indifferent about giving me a refund for my money paid to XXXX XXXX on an cancelled order.

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/20, I deposited a check on my Bank of America checking account in the amount of {$3000.00} from a buyer via XXXX XXXX for piece of furniture ( asking price {$1000.00} ). 

I went to a Bank of America near my location and asked them specifically to verify the check. I also explained the situation to them and how I got the check from the buyer on XXXX XXXX. The Bank of America agent made me deposited the check to my checking account and told me to wait for the check to clear. 

The check was clear the next day by Bank of America. The buyer from XXXX XXXX asked me to send the rest of the money back via Check or XXXX. That's when I suspected the buyer as a fraud. 

On XX/XX/20, I observed a {$2000.00} transfer to random ( via XXXX XXXX ) that was pending on my Bank of America Checking Account. I contact Bank of America right away to disputed the transaction but was told by Bank of America agent to wait until the transaction was clear. I contacted XXXX XXXX via email ( no phone number ) to deny the transaction, but was told to contact local Law Enforcement. I contacted local Law Enforcement and they claimed the transaction as fraud and advised me to contact Bank of America in order to get my money back. I contacted bank fo America and they denied my claim two times. 

The check came back as fraud a few days later as well.

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Almost 3 months ago I received an ACH deposit in my church ministry account trust on behalf of someone that the trust works with. Three weeks ago bbvA free freezes my account and tells me that I have to the account. This trust account is a private 508c1a that is a trust account that there legal department approved to form before it was opened. They froze it and claimed fraud. Then I was informed that they would take the freeze off if I brought in power of attorney papers. So Monday XX/XX/XXXX, I took in power of attorney papers. Then they asked me a lot of irrelevant questions regarding my personal affairs. Then the next thing was for a his social security number and dl info did that. Then yesterday was for a copy of it. Meanwhile I can not access my funds nor transact on my account. Please help me. This is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unable to unfreeze my credit report with TransUnion. I was denied my application for a credit card due to this.

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 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc.
State: TX

Complaint narrative:
The problem is SELF advertises that they will report all payment activity to assistant consumers by raising their credit score by showing on-time payments, etc ... The problem is, I took out the loan and made at least 6-7 payments on time that have never been reported on any of my credit reports. I requested via their website to cancel the service, AND I spoke with a representative in their XXXX office. I was assured that the activity would be reported, and it still has not. I stopped making payments because I wasn't getting what I paid for nor what they advertised. I continue to get harassing emails about my loan being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX a fraudulent check of {$2900.00} was deposited on my checking account. As per the mail that i received from Citibank on XX/XX/XXXX. As a result ; the bank locked all my accounts that week. I called the bank that same XX/XX/XXXX to inquire about the situation ; i was told that a deposit was made in my account and a {$1000.00} was taken out from the ATM. I informed the bank that i wasn't me. Then i called the bank on XX/XX/XXXX and spoke with the Citibank fraud department. I wasn't directed to the claim department that day. On XX/XX/XXXX after several attempt to get feedback from the bank ; i was directed to the claim department. A claim for {$1000.00} was submitted on my behalf. Then on XX/XX/XXXX i got paid from work ; i called the bank in regards to, y funds ; there was no fund. I explained to the bank that during this process i got paid from work twice : XXXX payment from my employer was on XX/XX/XXXX for {$670.00} then on XX/XX/XXXX for {$920.00}. A total of {$1600.00} was confiscated by the bank and i haven't heard anything about those funds yet. No one from the bank was able to give me any explanation into that. Furthermore ; then i was informed that on XX/XX/XXXX that the investigation will be completed by the bank and my funds will go back to my account. When i called Citibank at XXXX on XX/XX/XXXX ; i was told that my claim was denied with no further explanation as to why. I can't access my account online. I inquire about me employment funds. I was told that there are no funds available in my checking 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 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2020 I received a communication in the form of a letter from TRANSWORLD SYSTEMS INC. that was dated for XX/XX/2020. I was shocked and offended to receive this communication because I had just moved to my new residence which was in a new state and never gave this Debt Collector permission to contact me nor did I give them my addresss. The communication stated that my account was placed in collections with TRANSWORLD SYSTEMS INC by XXXX XXXX XXXX XXXX. The alleged debt was for {$1100.00} to be paid immediately upon me receipt of their communication with me and to paid by check or money order to TRANSWORLD SYSTEMS INC. Unfortunately For TRANSWORLD SYSTEMS INC. They are in violation of Federal Law Under the FDCPA. I compiled a list of violations and sent an affidavit via XXXX certified mail on XX/XX/2020 to TRANSWORLD SYSTEMS INC ' s Mailing address in XXXX, Louisiana and Headquarters in XXXX XXXX, Illinois. TRANSWORLD SYSTEMS INC received both affidavits on XX/XX/2020. The affidavit that went to XXXX, Louisiana was received at XXXX XXXX by someone named Sessions and the affidavit that went to XXXX XXXX, Illinois was received at XXXX XXXX by someone named XXXX. TRANSWORLD SYSTEMS INC was given 15 days to respond to the affidavit but has not done so. Today is Thursday XX/XX/2020 and I am now contacting the CFPB to get this matter resolved.

Company response to consumer: Closed with explanation