vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My account has not been credited with a cash reward which, according to the offer terms, should have been credited. I applied for a Cash Management Account with Bank of America/XXXX XXXX on XX/XX/XXXX and was approved on XX/XX/XXXX. The terms of the relevant offer can be seen in the attached email ( attachment # XXXX ). I quote those terms below and briefly explain how I have met each of them./ You must enroll during account opening by entering the offer code in the online application during account opening or by providing it when speaking with a XXXX XXXX XXXX XXXX I have attached a printout from the online application screen showing that the offer code was applied ( attachment # XXXX ). / Fund your account with at least {$20000.00} in qualifying net new assets within 45 days of account opening. I funded my account with {$260000.00} in transferred assets on XX/XX/XXXX. See the attached page from my XXXX account statement ( attachment # XXXX )./ You must be enrolled in Preferred Rewards as of 90 days from meeting the funding criteria described in XXXX XXXX. I have been enrolled in Preferred Rewards since XX/XX/XXXX. See the attached screenshot with enrollment date highlighted ( attachment # XXXX )./ After 90 days from meeting the funding criteria described in XXXX XXXX, your cash reward will be determined by the qualifying net new assets in your account ( irrespective of any losses or gains due to trading or market volatility ) As I met the funding criteria on XX/XX/XXXX, adding 90 days results in a date of XX/XX/XXXX. On XX/XX/XXXX, and disregarding investment losses, my account had {$250000.00} in net new assets. See the attached page from my XXXX account statement ( attachment # XXXX ). / Your one-time cash reward will be credited to your IRA or XXXX within two weeks following the end of the 90 day period. As explained above, the 90-day period ended on XX/XX/XXXX for my account. So, the cash reward should have been credited within the following 14 days, i.e., by XX/XX/XXXX./ I have tried to resolve this issue already on several occasions : ( 1 ) I could not reach a XXXX agent by phone. I called XXXX at XXXX on XX/XX/XXXX ; was placed on hold ; and after XXXX minutes, while still on hold, was hung up on by XXXX automated system. ( 2 ) I mailed a letter on XX/XX/XXXX, containing the same information and attachments found in this complaint, sent to XXXX at XXXX XXXX XXXX XXXX, KY XXXX. I have not received a response. ( 3 ) I spoke with a BofA/XXXX  XXXX XXXX XX/XX/XXXX, who said they would reach out to the relevant people at XXXX about the issue.

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 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : LVNVFUNDG Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX Account Number : 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 2022-07-25 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/2022 there was a Hard Credit Check from Nordstom/TD Bank USA so I called Nordstom to alert them this was fraud and that I did not request this card. They said as of XX/XX/2022 there were no charges on the account, however they would cancel the account and refer this to their fraud department. 

I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022. I also submitted a Police Report through our local county.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITALONE Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I paid off an account with Comenity - XXXX on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Have checked with my bank, XXXX XXXX and the money left my account on XX/XX/XXXX as ordered. Two weeks later I received a late fee notice from Comenity Bank saying the payment was late. I called at that time and spoke with a representative who treated me rudely, telling me it was my problem and refusing to help settle the matter. I made no further payments and have been receiving bills each month since then with an ever increasing amount for late fees and interest. My credit rating has bottomed out due to this. I have called Comenity several times since then and received calls from them about this but there has been no effort on their part to take care of the problem. I called the XXXX XXXX XXXX about this and they advised me to call you and report it. 


The site is asking me to attach a file. I don't have any files to attach even if I knew how to do it. I am XXXX years of age and have XXXX  XXXX XXXX and not exactly computer literate enough to figure this out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Amount I was shorted XXXX 
On XX/XX/2022 I made a mobile check deposit into my account at HSBC bank.. 

XXXX XXXX  released the funds to My HSBC account.. 

However, HSBC bank presented the check for payment to XXXX XXXX  TWO times.. 

XXXX XXXX returned the payment for the second presentation.. 

HSBC then proceeded to deduct the Second presentation, but never credited my account for the first presentation that XXXX paid to HSBC..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT MGMT Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper, a mortgage company that bought my home loan, effectively stole from me for over a year. 

In my closing documents I showed that my insurance company, XXXX, had the homeowners insurance on my home. It was part of my escrow account that determined my monthly invoice owed to Mr Cooper Yet Mr Cooper decided, on their own, that I didnt have homeowners insurance and effectively double charged me by adding on an additional XXXX $ per month to my escrow for their in-house insurance company. 

Once I noticed the amount coming out was wrong I contacted Mr. Cooper in early XXXX and eventually they refunded over {$4000.00} to me because of this double charge. 

They did not return any interest that money should have earned. In addition the following month, XXXX, they went ahead and charged me the higher amount again. That lead to a non-sufficient funds charge on the account because I was not expecting a higher amount. 

After numerous phone calls, they finally decided to wave the extra fees because the account wasnt paid on time None of this shouldve been a problem, except that Mr. Cooper thought they could get away with charging me twice for my home insurance, with their in-house insurance company. 

So to recap, Mr Cooper took out extra money, kept it, Im sure invested it, and it was only when I had to make numerous phone calls to get them to fix the problem that they decided to return my money without the interest. 

I believe this is clearly a deceptive practice and should be investigated to see if its being done on a widescale basis. 

Please contact me if you have any questions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: FL

Complaint narrative:
I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. 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 2022-07-25 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: FL

Complaint narrative:
I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. 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 non-monetary relief
Consumer complaint received 2022-07-25 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: FC HoldCo LLC
State: FL

Complaint narrative:
Flagship Credit Acceptance has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In according with Fair Credit Report Act reporting Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-25 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: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Back in 2019 my mortgage was sold from XXXX XXXX to Specialized Loan Servicing My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. SLS was useless not good customer service, never answered or helped. In fact I had to send in document XXXX times but by then my home was sold and I received notice of it oh about 3 weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are seniors. I have lost so much. Its so bad. Thanks SLS for all of your help. They love to put old ppl out on streets. we were 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 2022-07-25 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: Rent Recovery Solutions
State: SC

Complaint narrative:
rent solutons placed a XXXX debt on my credit report from an apartment complex, that I have not been involved with or have no clue of it, asked for verification there response was we can send you a bill. I responded with if It is a legit statement from an apartment complex they should have my id and signature, response from rent solutions we dont have any of that. this all transpired today the XXXX of XX/XX/2022. The company advised me to file a complaint with the FTC, I advised I wanted all paperwork signed by me and all my id used to open said account. spoke to a XXXX his direct line is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Chime Financial Inc
State: FL

Complaint narrative:
I was at work on XX/XX/XXXX when I was notified that {$160.00} was debited from my account and another {$100.00} was denied at a XX/XX/XXXX gas station in XXXX XXXX, Fl. This occurred at XXXX. I was at work in XXXX, Fl at the time I immediately checked if I had the card in my possession and I did I called Chime to report the fraud. As soon as they transactions cleared they said they investigated and there was no fraud. I was a victim to fraud and they are acting like I'm the scammer. I work hard for my money and it's only {$160.00} but it's the principle at this point if I had {$1000.00} in there like I sometimes do my account would be gone with no protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated of XXXX  - Account # XXXX But how is this possible if the following information has come back inaccurate : Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. 

This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed that my credit score is going down drastically this past few weeks and i have only made improvements to my credit file : 1. My score went from XXXX to XXXX because my credit card usage went from 40 % to 56 %, then i brought my credit card usage down from 56 % to 40 % and my score only increased 10 points ( so I lost the additional 37 points! Then i noticed my score dropped again today XX/XX/XXXX down by 5 points FOR NO REASON. i looked to see if anything had changed today but nothing had changed ( i had actually brought down the credit usage ). So basically score went down by 47 points for haveing 16 % extra usahe then when it went back down by 16 % my score only increased by 10 points! and TODAY IT HAS GONE DOWN 5 POINTS WITH NO REASON AS TO WHY AS NOTHING ELSE HAS CHANGED! I logged in today XX/XX/XXXX and says my score decreased again by 5 points and there is no reason provided! 

2. I have had 2 auto loans in the past few years. The auto loan i have last year i made my payments early ( for the entire duration of the auto loan with capital one THIS WAS 1 YEAR ) but i saw no change in my credit score it never increased not by 1 point! so by making my payments on time for an entire year it made no change to my credit score. 

Again i purchased a new vehicle this year and have an auto loan with XXXX now on a different vehicle and still paying on time has nade no difference to my credit score.

3. Experian boost is a fak scam. I added 3 seperate bills ( XXXX, XXXX and XXXX ) these are all utility bills. It showed 2 payments made in the past few months and when it gets to 3 payments made in 6 months i would get a boost to my score! Once all 3 of these bills reached 3 payments made it said my score would increase for each utility bill. I got a notification that they were ready to be added to boost but all 3 bills made ZERO impact tto my score. If that is the case then why do they even have boost??? Its fake and a scam thats dishonest and untrue.. and i would like to report them as for every bill i met 3 payments its made no change to my score.

Despite paying on time for every credit card auto loan i have seen my credit score decressing monthly and there is no explanation why my score keeps taking drastic drops by 40 points in one go or 10 points in 1 go!!! 

I want experian to be investigated as something incorrect or dishonest is going on with my credit file. If i received another notificationtoday saying my score dropped again byy 5 points then they should have an explanation as to why it has dropped 15 points in 1 week as nothing changed ( i actually lowered my credit usage!! and their Experian boost is a complete fake and lie!!

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has closed my new checking account after 11 transactions citing the relationship is no longer " mutually '' beneficial. They refuse to provide any additional information and I only learned that they are planning to close the account on XX/XX/2022 by calling in after noticing that my credit card had also been closed ( and that was marked on my account when I logged in ).

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