vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently lost my job and was struggling to find work, 3 creditors closed my credit cards because I had some monthly payments being reversed. Capital one ( 2 credit cards were closed with HIGH interest and late fees applied ) XXXX credit card and XX/XX/XXXX credit card as well. All 3 of those creditors closed my accounts and I am not sure why, my only guess can be the payment reversals from my bank ( XX/XX/XXXX ). XXXX is no longer my bank as I recently was a victim of a scam and fooled with a fake check. I have been undergoing extremely stressful and unfortunate situaitons and my credit score just last month ( XX/XX/XXXX-XX/XX/XXXX ) was in the 620s and it has dropped SIGNIFICANTLY for reasons I cant even understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I obtained a mortgage in early XX/XX/2019 through XXXX XXXX XXXX XXXX, XXXX. I mailed in my first mortgage payment in late XXXX. On XX/XX/2019, I called XXXX XXXX to confirm they had received my check.They had not. On XX/XX/2019, I drove to XXXX XXXX 's physical location to drop off a physical check to ensure that I was not late for my first mortgage payment. To further ensure I would not be late, I dropped off checks dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, which according to the receptionist was acceptable. Each and every payment amount in this situation is for {$1700.00}. 

Specialized Loan Servicing ( " SLS '' ), serviced by XXXX XXXX , XXXX, assumed my mortgage on XX/XX/2019. They applied the XX/XX/XXXX payment to my account, as well as some left over funds from escrow. I woke up on XX/XX/XXXX to discover that SLS had cashed the XX/XX/2019 check. I quickly set up an account on the SLS website to discover that it had not yet been applied to my account. I called SLS and voiced my concerns and they told me that sometimes it takes a few days for the payment to process. 

Checks XX/XX/2019 and XX/XX/2019 were returned to the address on the check with a note saying they did not accept post-dated checks. 

I checked the SLS website again on XX/XX/2019 and saw that it still had not been applied. 

When I checked the website on XX/XX/2019 and saw that it still had not been applied I called and provided proof that the payment had been withdrawn from my account via bank statement stating that SLS had converted my physical check into an electronic check and then cashed it. SLS opened a research ticket into this matter on XX/XX/XXXX. 

I called back on or around XX/XX/2019 to inquire about the status of the research ticket. I was informed that these matters take awhile and that I should permit about 10 business days from the opening of a research ticket. 

Today, XX/XX/2019, I called to check up on the status of the research ticket. My complaint was dismissed the previous week as resolved because the researcher thought the issue dealt with the returned checks. Not only was the researcher blatantly wrong, I was never notified of the decision. I spent 30 minutes on the phone describing the situation exactly. SLS opened another research ticket and I was told to expect a resolution within 30 days. 

I do not trust SLS to understand this situation, nor to resolve this matter as desired. I further fully expect to have fines applied to my account for late payments because I will not send money to SLS because I do not trust them to actually apply it to my 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 2019-07-26 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: NY

Complaint narrative:
I filed a dispute on XX/XX/XXXX for a charge of {$390.00} from XXXX XXXX. I was provided a conditional credit until the dispute was resolved. 
On XX/XX/XXXX, I received notification that the dispute had been resolved in favor of XXXX XXXX   following a review of documentation provided by the business and the charge was put back on my account. The documentation was included online for my review and it was quite obvious that it had not been reviewed by Citi Cards since it contained a resume for and correspondence with someone other than myself. 
I sent an email to the dispute center and copied the executive response unit outlining the details, providing my own documentation, and stating my objection to the decision. 
On XX/XX/XXXX, I received a voicemail from XXXX XXXX from the Citi Executive office. She said she was reviewing the case and would get back to me. In the meantime, a conditional credit was being added back to my account. 
On XX/XX/XXXX, I reached out to XXXX to follow up. She returned my call and let me know that she could see that the merchant had provided documentation that did NOT pertain to my transaction. She explained that she would have to follow up with the merchant allow them time to respond. 
Today is XX/XX/XXXX. I have left voicemails for XXXX twice this week. If she's on vacation, her voicemail recording does not mention it. I have not heard from her since our conversation at the end of XXXX and the dispute center lists the dispute as " IN PROGRESS ''. 
It is my opinion that the documentation I provided is thorough and complete. The merchant has had ample time to respond with ACCURATE material and Citi Cards has had more than enough time to resolve this dispute.

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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
Between XX/XX/2018-XX/XX/2018 I wanted to work with Lexington Law customer service to get some assistance with getting my credit repaired. They asked me to pay {$99.00} per month, but I told them I could not afford that fee, so they decided to give me the special low rate at that time of {$45.00}, so I could start the process. I took the special low rate of {$45.00} and then I told them I would be able to start the process by the following month, not this month, due to the fact I don't get paid until the following month. Then Lexington Law customer service agreed and I asked them when will I be able to start the process of my credit repair program. Lexington Law customer  service told me that I would not be able to start because they don't want to wait another month to start the fees associated with starting to do the credit repair. But I told them we already agreed and you told me to sign the contract to start the process, so I could start paying the following month to do my credit repair. All Lexington Law customer service told me is that we are sorry, but we can not help you with your credit repair. I said you XXXX XXXX you lied! You are real XXXX! You told me I would be able to start my credit repair in XX/XX/XXXX, but then you contradicted yourself and told me that we can not start on the following month and we agreed upon it by a contract to start the credit repair program. Anyway, Lexington Law customer service told me to find some other company to help me with my credit repair issues and have a nice day! I told them I will never forget your company wronged me! I am going to report you for lying to me about giving me a special low rate of {$45.00}, lying to me that we could start on XX/XX/XXXX, then Lexington Law customer service renigged on the contract that I signed stating that I would be able to start my credit repair program with this company in XX/XX/XXXX. Also, I was told on XX/XX/XXXX, that Lexington Law credit repair company blocked me to do any other credit repair by their company! I told the customer service agent at that time I will report you! Also, I will report that you took money from my significant other as well in the following month and never did his credit repair at all. You told him you do not want to do his credit repair either! The name of my significant other is XXXX XXXX. Please help me find a resolution to not allow this company to not ever do a credit repair for anybody else, because they renigged on my contract to do a credit repair, lied about offering a special low rate of {$45.00}, lied about starting the following month for a credit repair and defrauded another customer by taking money from him and never offered any credit repair services..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three credit bureau refocus to take wrong infomation off my report i dont bank account with any of this bank listed and i dont own a car or leaseing a car and the mailing address are wrong. Thier are two possible people that have taken and use my infomation is XXXX XXXX XXXX XXXX or XXXX XXXX but. I belive that is done more by ex husband who is XXXX XXXX XXXX XXXX And i had a freeze on my report and know i cant get it back on. I never give these man permmssion to use my credit. I just want the wrong infomation removed from my report.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GreenSky, LLC
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX Veteran, living on a fixed income. After completing my service time in 2013, I have had to have numerous surgeries that have deemed me unable to work. I have had this item that shows as XXXX XXXX XXXX with a balance reporting of {$2700.00} charged off, on my credit report. In XXXX of 2016- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX XXXX in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can help me or even point me in the right direction. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been protected through XXXX credit insurance included in the loan payment. I am unsure what XXXX even is for, as I have not been provided any info at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. XXXX credit bureaus is conducting a promotional program called XXXX/XXXX  youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program

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 2019-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a Home Depot credit card user I do not get a paper bill only online email notifications of payment due I do have a balance which I noticed after viewing activity there is a fee called Balance Protection which I knew nothing about, when I called the number listed I was told I purchased the protection which I informed the agent I had not as it made no sense to pay for something I am able to make monthly payments on with out the need of balance protection, I requested a refund for the fees charged for something I did not need or purchased I was inform I would receive a refund. On a letter dated XX/XX/XXXX I was informed that since I purchased this on XX/XX/XXXX and my account was protected by the program benefits no refund due I canceled the protection prior to this letter. If I had known I had this protection I would certainly have used it while I was out on sick leave for 9 months in XXXX till XXXX but I made all my payments with out any help as I didnt know I had this protection. Im not sure how I was enrolled as I did not knowingly add more debt to a store credit card with a high interest rate as it is. Any help with this issue will be greatly appreciated 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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX of this year I initiated a balance transfer on a new HSBC credit card that I had acquired. One month later Chase hadn't received any check from HSBC, so I contacted them to resolve the issue. They urged me to wait a couple more weeks, which I did, but when my first payment was due and XXXX still had not received a check I contacted HSBC again to potentially cancel the balance transfer and revise my minimum payment which was due, since I was now carrying a balance of {$1900.00} on both credit cards. I called 4 times and each time I was told I would receive a call back from an HSBC agent within the week. I never did. Finally I approached an HSBC bank manager who claimed to have cancelled the check and had a new check sent out to XXXX. XXXX never received it. It was now the first week of XXXX, over two months since I had originally initiated the balance transfer, and HSBC had now filed a late payment charge on my credit report. I paid the minimum amount due to resolve any further issues and had them cancel the check and the balance transfer. Without my authorization they closed my account, and now both the late fee and the closing of the account have severely affected my credit score. When I inquired how I could dispute the late charge they told me to contact their " customer relations '' line. I left 4 voice  messages and never heard anything back. This is by far the worst experience I've ever had with a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
ELDER ABUSE I submitted a request for recast to my existing loan. 
Despite numerous requests for confirmation the loan servicer today told me that the recast has not been processed. 

No explanation was provided Service representative stated, as has those I formerly spoke to, that the issue would be escalated to appropriate departments. 

Meanwhile, my loan payments remain identical to the amount which was based on my previous balance Please see 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 2019-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In late XXXX I received a text message alert from Bank of America asking me if I had purchased XXXX tickets from XXXX XXXX. I texted back no, and the card was cancelled. The charges were initially removed from the account. 

We later were told that we " benefitted directly '' from the purchases made, and they were recharged to our account. 

It's now late XXXX, and I have been calling B of A for months asking for this to be resolved. We've NEVER been asked to provide more information, so I took it upon myself to call XXXX XXXX, who agreed it was a fraudulent charge as evidenced by the fake email used to purchase the seats, and I worked with XXXX to show that the XXXX address and email is not linked to either of our XXXX accounts, and that we can't access the account that was used to purchase the seats. 

We've now accrued $ XXXX in interest charges because I am not paying for tickets that were purchased the SAME DAY of the concert in XXXX, a city that I DO NOT LIVE IN and have only visited once ( not the same day as the concert ).

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 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am a XXXX % XXXX XXXX Veteran, living on a fixed income. After completing my service time in XXXX, I have had to have numerous XXXX   that have deemed me unable to work. I have had this item that shows as XXXX with a balance reporting of {$2600.00} charged off, on my credit report. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can give me any info and only points me towards " XXXX XXXX ''. This company is actually showing a balance over {$600.00} more. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through XXXX protection on the account, as it was that exact circumstance. I dispute through the credit bureau and get nothing. I call and am told nothing. I just want a resolution and XXXX XXXX refuses to even look into me becoming XXXX and contacting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: FL

Complaint narrative:
I have been a victim of identity theft

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 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Good morning, I, XXXX XXXX XXXX, am requesting the accounting history for the Loan No:XXXX 

Thanks - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief