vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was awarded Unemplyoment bevefirs in XXXX of 2020 bamk of ameruce was to issue me a payment card with my edd bemefits on it. They said 5 to 7 business days i called after the 7th day to inquire about why i hadnt received my card and was informed thaty card had beem activated and had a balance of XXXX when thr starting balance was {$13000.00}. I was transfered to the fraud and the claims depts and tgey semt me a card to my new address or at least thats what they told me. Again i waited 5 days and called back and asked again why i hadnt receibed my card and they told me once agai they semt it to the wrong addres they semt it to the address i had already called and repirted my roomate for stealing my mail and my card. I have complied with every requestAnother card was issued to me and expedited to my new address. But thus time when i recieved it it was NEGATIVE {$11000.00} from BANK OF AMERICA. I CALLED IMMEDIATELY AND WAS TOLD THAT CAEDD FROZE MY ACCOUNT AND WITHDREW MY FUNDS AND CLOSED MY ACCOUNT DUE YO FRAUD AND I HAD TO CALL THEM TO FIGURE OUT WHY. I CWLLEDD AND WAS TOLD TO CALL BANK OF AMERICE BECAUSE THEY DIDNT DO ANYTHING TO MY ACCOUNT AND ARE STILL TO THUS DAY PAYUNG BENEFITS TO ME BUY BANO OF AMERICA IS STEALING THEM TO REPAY THE NEHATIVE BALAMCE THEY LIED AAND FALSIFIED MY TRASNACTION HISTORY AND STATEMENT STATING YHE STATE OF CA EDD TOOK THE XXXX dollars from my account.i have called Bank of america 213 times and have been hung up on transfered and hung up on all 213 times and have gotten litterally no help or response from bank of america . I have lost my house my kids are spread out living with friend s and i am now living in my car depending onthe generosity of friend and strangers to have a meal.while bank of america continues to collect my unemployment benefits fraudelently and gets away with it.

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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The XXXX XXXX over charged me. Bank of america only refunded me {$600.00} out of {$2100.00}, so I still need XXXX to be refunded to my account. 

XXXX {$600.00} XXXX XXXX and XXXX XXXX XXXX & 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 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified by the credit agencies that a negative report was filed against me for a collection. Upon further research the account was paid directly to XXXX XXXX. Additionally XXXX XXXX claims to have provided one notification via USPS prior to sending it to collections. Supposedly the collection agency listed below receive the file in XXXX. I have never been contacted by them in any way and yet they feel they can just post negative information. I have contacted them directly but of course no response. 

This collection agency was notified I would take action if they didn't rectify the situation for which they did not. 

HELVEY & ASSOCIATES IN Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with transunion and 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 2021-01-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX  and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: OH

Complaint narrative:
I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX and 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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 55 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to wrongful reporting of accounts on my credit profile. These Reporting bureaus are breaking FCRA laws. Also after further research i found out my information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 55 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to wrongful reporting of accounts on my credit profile. These Reporting bureaus are breaking FCRA laws. Also after further research i found out 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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened an checking account under a promotion and fulfilled all the requirements. They denied the bonus on the basis that I received the bonus before. However, the terms state that bonus is not available for customers who have had an account 12 months before ; my previous relationship with TD Bank ended more than 12 months. TD Bank also claims that I'm combining multiple offers - NO, I'm not combining multiple offers. I opened a new relationship with TD Bank under ONE offer.

Details of the promotion : Direct Deposit {$2500.00} within 60 days of new account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I spoke To a representative from XXXX MasterCard through synchrony bank. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX  and 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 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
BofA ended my automatic bill payment, unclear why, which has been steadfast since the inception of this account. I always pay in full and I always pay on time! They claim I did it myself. The only way this could have append is they have made there website so confusing that it is impossible for a normal person to navigate safely. I had zero intention of end the payment system. I got no notification of this horrible thing when it happened to boot. BofA is the responsible party. They pushed this on me in the beginning and it malfunctioned. All I want from them to put the $ XXXX back on my account. And help get this ridiculous payment thing set back up again ; since the software took off and deleted it. Its a small ask considering the misery their software and bank people have put me through. 


Bank of America XXXX XXXX XXXX MasterCard Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. 45 days later I have not received a response. I am extremely frustrated and feel ignored and dismissed. Section 611 ( a ) states that a failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been 45 days. These items should be deleted. I demand that these items be deleted or I will file for litigation. I am a victim of the Equifax data breach and I am doing everything that I can to have inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following account was report to the police department credit card open without my permission no signature was filled out by me. 


Account Info Hover over labels for more details Balance {$680.00} Credit {$500.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Account XXXX Close credit {$300.00} Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: OR

Complaint narrative:
I had a letter come in XXXX saying I owed a debt from XXXX. I spoke with them and they told me they would delete debt from their files. Then I received an email from my credit tracker saying I owe the debt to XXXX XXXX and that the account opened XX/XX/2020. This Is identity theft or a debt that is too old to be on my credit either way this needs to be taken off of my credit. Thank 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 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
We petition for irrational card interest. 


The first time I received my bill by email after purchasing a product at wayfair was XX/XX/2020 ( waywaircard in comenity Bank ), but that amount was plus interest after delivery. I didn't receive any bills before XXXX.. I immediately e-mailed and called the bank to inform him of the fact, and after solving all the problems by phone, and after deducting interest, I paid the principal in a lump sum. However, they continued to add interest to interest and found that they sent a total amount of {$120.00}. So, knowing that, I called the bank to solve the problem, but they dismissed my request. When I looked at the e-mail that came to me as evidence, I was clearly able to find the exact date of the e-mail they sent me. Whether it was a mistake by the credit card company or was it deliberately sending the bill late to prevent consumers from paying on time. We sincerely hope that you will resolve any interest incurred as a result of their negligence. For reference, I am a very good credit score holder, and I am still a person who keeps the deadline. Please. I want a clean solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Recently I received a notice from Southwest credit LLC. 

Stating XXXX has placed your account with a balance of {$1000.00} Our client has advised us that they are willing to resolve your account in full for 40 %. Please contact us to see what other terms can be worked out to resolve your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to Transunion, XXXX, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.

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 2021-01-16 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Completed deed in lieu of foreclosure in XX/XX/XXXX with Shellpoint Mortgage. Shellpoint never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from Shellpoint Mortgage is non-existent after they get their money from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My mortgage is being serviced by Huntington Bank, it is held by XXXX XXXX. 
Back in XX/XX/XXXX I took advantage of the payment deferral program - offered due to financial difficulty. 
After offered 6 months of deferring my payments I have notified the bank that I will be making my regulars payments starting in XXXX. Bank notified me that they will send me a packet of documents for me to sign and send back. I have received the modification paperwork have notarized them and sent them back to the bank back in XX/XX/XXXX. 
In XXXX I have tried to apply for refinancing with XXXX for XXXX XXXX and my application was rejected because of the deferral program, which by the way when I signed up for it, it was not disclosed to me that it will prevent me from refinancing my loan for over 4-5 months after going off of it. 
Since XXXX I have made all of the required payments up until XX/XX/XXXX. 
I have called the bank about 10 times and sent couple emails to inquire about completion of the modification of my loan. 
I have not received any emails back from Huntington Bank, I have called and requested to speak with a manager as different CS representatives were providing me with different versions of the standing of my loan. Including responses such as that I am late with my loan and that the modification required paperwork has not been received. 
When I received a call back from a manager, I was not able to answer. They call back after 4 days of my request to speak to them! They leave a message and ask to call back to CS department and request another manager call back! 
At this point due to the almost 4-month delay and no response from the bank, I am concerned that I will not be able to refinance my loan due to a change in my employment history that took place in XX/XX/XXXX.

Every person I spoke with at CS say that they are sorry, that COVID got them backed up, etc, etc. No resolutions, no proper manager intervention, constant misinformation, and lack of accountability! 
From what I understand there are thousands of applications that are being held uncompleted for months! It's just yet another way banks are taking advantage of this pandemic situation. Will they get away with it? Probably. 

Attached is the Modification Letter from the bank. 
Confirmation of the delivery of the modification paperwork by XXXX. 
Label of the modification documents package with the addressee.

Company response to consumer: Closed with explanation