vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
I paid my XXXX XXXX account twice for {$440.00} on XX/XX/2020. Once by Bank of America business account bill pay and once by new automatic pay by Bank of America visa debit card. I received back from XXXX duplicate payment {$440.00} credit. I put claim on BofA debit card transaction {$440.00} because of double payment. I later released claim on debit card transaction for XXXX to get payment. XXXX does not ask for payment twice. Bank of America does not return funds after claim was stopped. Visa still has funds that are in limbo not collected by XXXX except on a new auto debit card transaction and BofA will not give the funds back. I want my {$440.00} returned to my business checking account so I can finally pay my XXXX bill.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called to cancel my credit card on 5 different times over a period of 14 days. I did not record the acutal day 's I contacted them except today - XX/XX/2020. I expressly asked to cancel the credit card. The 1st two times I talked to a " representitive ''. On the second phone call they said they had no information that the card was cancelled and they said they had no explaination but would cancel the card. The 3rd phone call was to a " supervisor '' who said they would " look into it ''. No result from this phone call, the card was still active. The 4th phone call was to an " account specialist '' who said they would get the card cancelled. Again no result. This last phone call on XX/XX/2020 was again to a representative who said " we are short handed and would cancel the card ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX XXXX that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
It is totally frustrating to see Equifax Information Services LLC, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with EQUIFAX and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX XXXX XXXX XXXX - UNKNOWN ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
As a response to my previous complaint ( XXXX ), XXXX XXXX from TMS listed a list of all the principal payments and XXXX payment that the received. She also mentioned that principal payments were transferred over to XXXX XXXX but did not mention anything about the XXXX payment that was received by them on XXXX. 

This XXXX payment of {$3900.00} and an additional principal curtailment of {$270.00} is still missing on XXXX XXXX side. After repeated calling helpdesk and emailing XXXX XXXX ( XXXX ) I still haven't received an update about the missing payment. 
XXXX XXXX received a statement from TMS on XXXX which does not list this XXXX payment and there has been no further communication or payment from TMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TX

Complaint narrative:
I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on 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 2020-10-22 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: TX

Complaint narrative:
I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TX

Complaint narrative:
I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on 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 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime : A checking account was fraudulently opened in my name with Chime banking. I reported this fraudulent activity on XX/XX/2020 and spoke to a Chime representative and was told I would be contacted within 2 hours by phone call. I was never called. I am again asking for this account to be closed and investigated for identity theft. The Chime support team has informed me that they can not close this account unless I send them body shots of myself holding my government issued identification within 3 days. Not only is this inappropriate, harassment, and incredibly disturbing, it fails to provide me with the consumer protection I am legally entitled to. I refuse to be further victimized by your institution and am asking one last time for this account to be permanently closed and my information removed from your agency. I will gladly provide a notarized government form to prove my identity which, as a financial institution, is all you should need to close the account. Chime clearly allowed a criminal to open an account in my name without the very ludicrous identity verification protocols that they are now demanding from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: OH

Complaint narrative:
I sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: EdFinancial Services
State: TX

Complaint narrative:
I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
How it started in XX/XX/XXXX : I disputed some information via Transunion regarding the XXXX XXXX XXXX XXXX account and TransUnion deleted the loan/account COMPLETELY from my credit report. When I DID NOT REQUEST THE ACCOUNT TO BE DELETED. I objected the accuracy of the payment history. 

Today : After multiple attempts and requests to both Transunion and XXXX University to reinsert my account/loan in my credit report NOTHING HAS HAPPENDED. 

This has caused me serious harm to my credit score and credit history. This loan is my oldest loan in my credit records and it is still currently in repayment. When this account was deleted ( unsolicited and irresponsibly ) by Transunion my credit score dropped more than 56 pts. I NEED TO SOLVE THIS. I am not able to get new credit approvals as this has plunged my credit score and I am left with  almost NO CREDIT AGE. I am little unable to get new credit approvals due to this situation. This has been harmful to me in many ways. 

XX/XX/XXXX - I submitted a dispute to cfb. XXXX responded they were investigating but that it appear the situation was not on their end as they seem to be apparently reporting to TransUnion the information of my payments and student loan. 

XX/XX/XXXX - Transunion answered " The data servicer XXXX University will need to submit an account reinsertion request to TransUnion ''. 

Since then, I have tried contacting XXXX to confirm this has been done and no one, NO CUSTOMER SUPPORT AGENT has information. They've also said there is nothing in the notes. I need the parties to get this solve and call me with a SOLUTION.

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 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: PA

Complaint narrative:
We entered into a forbearance agreement with Selene Finance ( our mortgage servicer ) in XX/XX/2020 as a result of hardship due to Covid19. In XX/XX/2020, re- paid all back monies to bring our mortgage current. We resumed regular monthly mortgage payments in XXXX as well. On our XXXX statement we saw that we were charge two fees in the amount of {$15.00}, totaling {$30.00}. I contacted Selene and was advised that these were advanced corporate fees for Selene having to send a field inspector out to see if we were still living in the property. 

Please see attached copy of the letter I sent to Selene Finance regarding this matte on XX/XX/2020. To date we received no response from them. 
I called Selene to today at XXXX and was advised by the customer service rep XXXX, that there was not letter received from me! He advised that I e-mail it to them at XXXX. Which I did. I do not expect to hear from them simply because they claim to not have received a letter I mailed to them. 

Needless to day, our mortgage payment as increased from {$670.00} to {$700.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX   and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXXXXXX : TransUnion is reporting a payment status of 30 days late, XXXX and XXXX are not reporting this account, XXXX   XXXX : TransUnion is reporting a payment status of 30, 60, 90 and 120 days late, XXXX and XXXX are not reporting this account. XXXX : TransUnion is reporting a payment payment status of 120 days late, XXXX is reporting a payment status of 30 and 60 days late, XXXX  is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXXXXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-10-22 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying to refinance my loan for a few months now, and recently I was trying with Regions bank which I have a HELOC with. While Regions mortgage pulled my credit for the refinance, my credit report shows an open balance and delinquent of {$880.00} from my HELOC. However I have never used my HELOC since the day I received it. Regions also is aware that I have never used the HELOC yet they say they do not have access to see why it is reporting a balance. This issue not only hindered my refinance with Regions mortgage, but at the same time it hindered my ability to refinance with two other lenders as well because when the other lenders pulled my credit, Regions still shows the {$880.00} balance and delinquent. I have statements to prove that I have never used any funds from my HELOC account. I have called and emailed regions about this and they do nothing to help. I have suffered a loss not only form the upfront cost to do a refinance, but also lost on a low interest rate as the rates jumped up as time passed on. I would like them to compensate me back for my appraisal fee and any other fees that I had to pay. And I would like them to honor my estimate and get me refinanced. I am a parent struggling to keep things going for his family and I am in XXXX need of real assistance. I need to keep my home.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Mortgage paid in full on XX/XX/2020 and no refund of escrow account in the amount of {$6500.00} has been received nor proof of payment/mailing provided by Lender. Contacted Lender by phone on XX/XX/2020 and XX/XX/2020 and still not proof provided. As of date of this complaint, it has been 27 business days since load paid in full and Lender has failed to meet the 20-day rule per to 12 CPF Section 1024.34.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've received numerous calls daily from different individuals for an alleged debt to Best Buy ( original creditor ). Today I finally had an individual identify the collection agency she was employed by. The woman identified herself as XXXX with XXXX XXXX XXXX. I have had no transactions with Best Buy in well over a decade. I denied owing any debt, explained that I was on the do not call list, and asked that I wasnot contacted further. She loudly proclaimed that I was not on the do not call list and threatened me with legal action and wage garnishment. I attempted to further communicate my insistence that I not be contacted furthe but the individual loudly attempted to talk over me. I shouted my insistence loudly a final time and terminated the call. Within 60 seconds of that I was called again which I immediately terminated.

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 2020-10-22 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: CA

Complaint narrative:
XX/XX/2020 Complaint to the Customer Protection Financial Bureau regarding CitiBank. 
While retired for 7 years, I was an executive in the financial service industry with a focus in internal audit and compliance. I find this story truly outrageous. 


SUMMARY A {$230.00} merchant transaction occurred in XX/XX/2020, and upon receipt of the product it was deemed not as described. The merchant was contacted the next day in writing and an auto response email promised to address the matter. This was followed by several more written communications to the merchant asking for assistance and resolution. The merchant did not respond to any of my communications or make any attempt to resolve the matter. 

The charge was then disputed with my credit card provider - CitiBank. CitiBank was provided with copies of all the failed merchant contact attempts. 

Ultimately, the merchant simply ignored the issue and falsely asserted to my credit card provider that they had zero contacts with the  customer ( me ). 

Eventually, CitiBank closed the dispute by stating we can not mandate that the merchant issue a credit outside their terms and conditions. However, neither the merchant or the credit card provider has communicated what terms or conditions were not met. 


DETAILED DESCRIPTION Read first the attachment titled " Complaint Detailed Description '' for dates and chronology The Complaint Detailed Description is fully supported and evidenced by the attachments A, B, C and D.

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