vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays XXXX Rewards Card ~ XX/XX/22 Tried to log into the account to make a payment, wouldn't allow access, it said information 'password/log in was incorrect '. Upon checking further we saw that the phone # to text us at had been changed and a different email was added to the account. We called ( XXXX ) to correct the information ( XXXX separate times ) after all of our information was given, all security questions answered we were told it had to be passed on to another department, we were told the other dept. was not available/busy, and asked to call back in an hour. After the second time calling we decided to put the card on hold to make sure it couldn't be used. XX/XX/22 ~ Following day tried once again to correct the information on the account were told they would NOT remove the hold that we put on it that they were turning the account over to the fraud department. Fraud dept. demanded a copy of front and back of Drivers LicXXXX, Social Security card and utility bill. We refused ( have been told repeatedly NOT TO GIVE THIS INFORMATION OUT TO ANYONE by police, lawyer and News ). They refused to help at all ~ said there was fraudulant activity on the account ( which there wasn't ~ no claims were made, no activity on the card, bills have been paid on time with no problems ) Would not offer any alternative so we asked to close the account, they refused to do that ( finally did get that done with another supervisor ). Both of the cards have been shredded, account has been closed but they still refuse to let us have access to even PAY the bill. We were told that it would have to be paid by check ( which we haven't done for years ), they wouldn't send an email with the statement due in XXXX, wouldn't make our account accessible to pay via internet and couldn't get the computer system to work in order to change to a paper statement. We have had this card for years ~ never encountered anything like this before and quite frankly are shocked that we were treated like we were criminals!! The woman in the fraud department made it very clear that we did things her way ( sending copies of legal documents etc., for no reason ) or we were out of luck. There is no way to check the account to see what 'auto payments ' were set up to the account, no access to the statements, no way to pay the bill accept via mail. Mail is extremely unreliable right now. It is ridiculous when we did NOTHING to cause this!! We've lost our reward points to top it all off. Please advise.

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 2022-09-23 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: CA

Complaint narrative:
In its response to Complaint # XXXX, Equifax falsely claimed that there were no freezes or blocks or anything else to prevent access to credit files. 

Independent consumer investigation disclosed that in fact such a block had been existence since XX/XX/2022 with the simple remedy of transmission of ID docs to Equifax fax # XXXX. I am in possession of those faxed documents as well as the fax confirmation dated XX/XX/2022 XXXX XXXX  documenting the transmission of said documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: VA

Complaint narrative:
XXXX XXXX XXXX was verified without any proof other credit bureaus saw that it was not mine and deleted it from credit report. I have never done business with this collection company or the company they represent XXXX was verified with no proof. Other credit bureau deleted it from credit report. 

These are violation of the fair debt collection act.

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 2022-09-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS Account XXXX XXXX ) XXXX XXXX XXXX HAS VIOLATED MY RIGHTS Acct XXXX XXXX XXXX XXXX XXXX & XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Therefore

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 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Following a transfer of my mortgage to RoundPoint mortgage from XXXX XXXX XXXX, RoundPoint Mortgage 's took an excessively long turnaround time to remit payment of my flood insurance policy to my insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX despite being contacted multiple times by email, fax and mail. XXXX XXXX contacted RoundPoint Mortgage by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies. Due to the excessive delays, the net increase cost for the policy was {$1300.00}. This was due both to their inability to properly receive transfer of my mortgage and their excessively long time to remit payment to my flood insurance company, despite multiple, documented attempts via email, phone and fax. I am demanding RoundPoint mortgage cover the full {$1300.00} difference due to their failure to properly transfer my mortgage and handle their requisite responsibilities. 

Full timeline : XX/XX/XXXX : Mortgage transferred to RoundPoint from XXXX XX/XX/XXXX : through XX/XX/XXXX : RoundPoint failed to transfer policy information from XXXX XX/XX/XXXX : 53 days after transferring my mortgage, RoundPoint mortgage contacts my insurance company to retrieve policy information XX/XX/XXXX : Homeowner and Flood policies were amended by XXXX XXXX to reflect RoundPoint as the new mortgage servicer. 

XX/XX/XXXX : A copy of the expiring flood policy and flood renewal bill were uploaded to RoundPoint Mortgage with instructions for the bank to remit payment directly to XXXX XXXX XXXX. 

XX/XX/XXXX : XXXX XXXX received a voice mail message from XXXX at RoundPoint Mortgage acknowledging receipt of the flood bill for the XXXX to XXXX term and requesting verification if the payment was still due. 

XX/XX/XXXX : Once again, XXXX contacted RoundPoint Mortgage and verbally confirmed with them to remit payment immediately to XXXX XXXX. Another copy of the bill was faxed to RoundPoint Mortgage per their request. The check for {$690.00} was not received by XXXX XXXX until XX/XX/XXXX which is outside the grace period. 

XX/XX/XXXX : XXXX contacted me explaining that RoundPoint 's multiple failures and delays throughout this process, despite being contacted multiple times both by phone and email, resulted in the grace period expiring and a re-write of the policy being required. As required by FEMA, the new flood rating methodology that became effective for all FEMA flood policies resulted in the same policy increasing from {$690.00} to {$2000.00}. 

XXXX XXXX contacted RoundPoint Mortgage multiple times by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a XXXX XXXX Visa Card. Originally, this card was serviced by Comenity bank. However, in early 2022 this card transitioned to XXXX XXXX. I was not aware that this occured, so I continued to send my payments through to the account that I had setup foXXXX XXXX with XXXX XXXX XXXXXXXX. For a while, Comenity sent the payments to XXXX XXXX and they were applied to the Visa balance. However in about XXXX of this year Comentiy stopped forwarding the payments to XXXX XXXX. When I finally realized that my payments were not being applied to the Visa account, Comenity had {$5200.00} in unapplied payments. I have called them more than a dozen times since XXXX and have sent 4 letters. I am not getting anywhere with this issue. I have a copy of payments that were posted on my bank account and I can show that no corresponding payments were made to the Visa account. Comenity has been so unresponsive. First they tell me to go through XXXX XXXX XXXXXXXX to dispute and then when XXXX XXXX XXXXXXXX disputes they tell XXXX XXXX XXXXXXXX they will not discuss a customers account with a third party. 

Attached you will find payments that have processed to XXXX but not posted to the credit card. And you will also see the credit card payment history for the same dates. As you will see from the recon file, these payments do not appear in the payment history. 

Kindly assist me in getting a refund for this overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have applied for Mortgage Assistance through my loan servicer, Loancare LLC. I had been keeping in contact by phone. The first time I called to check the status, I was told of the documents that I was required to submit. I submitted my documents, then I called a week or two later. I was told that the application was complete and being reviewed, and that I would be contacted soon. I did not get a phone call, letter, or email, so I called Loancare myself, another week or two later. I was told at first that the application had expired. I was confused and told the person I was speaking to, that I was told I would be contacted regarding my application and no one had. They looked into it further, then told me it was denied and that I had only until XX/XX/22 to appeal. I advised the person I was speaking to, that I had also applied for the Mortgage Relief Program and all they said was they would make a note of it. On the CFPB website it says I should have been told of all my options, including a forbearance, and that I have 30 days to appeal and the right to submit a new application if material changes have occurred in my financial situation, which they have. Please help.

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 2022-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AUTOMOTIVE CREDIT CORPORATION
State: IA

Complaint narrative:
I made my last payment after they received the payoff amount. And agreed to refund me {$600.00}. Then stated when I called that they mailed me the wrong check for {$1100.00} and to disregard that. So I shredded it and never received my new check for {$600.00}. It has been weeks now with no resolution.

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 2022-09-23 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Regions Bank Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. 

A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. 

Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had signed up for a Citi checking account that advertised a {$700.00} sign up bonus. After meeting all the requirements, Citi bank has still not paid out the bonus amount. Their customer service staff gives wrong/different answers every time I call, and in general Ive been getting a run around. Their executive office did confirm that I met the requirements ( as the attachment shows ), Ive sent in my w-9 form, but nothing has happened. For anyone looking to use this bank they should stay away. All they have done is cause emotional distress.

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Extremely poor customer service at M & T Bank. 

Over 3 weeks with no access to accounts due to a " legal hold '' block and no contacts from the bank. Still waiting to access my funds... 

Log of events : -- -- -- -- -- -- -- Received mailing for a {$300.00} offer from M & T Bank to switch to Premium Checking as long as {$10000.00} deposited and held through XXXX and XXXX. 

XX/XX/2022 : Signed up for Checking with XXXX online on using offer code " XXXX ''. Was able to access online account. 

Instructed my employer to send direct deposits to my new M & T checking account. 

XX/XX/2022 : Received Docusign and submitted. 

Received M & T debit card in the mail. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Deposited check # XXXX for {$7000.00} from my XXXX checking account via ATM on XXXX XXXX ( XXXX XXXXXXXX ). 

XX/XX/2022 : XXXX checking account ledger showed that the check cleared and was deposited to my M & T checking account XX/XX/2022 : No longer able to log into online account. Message indicating that the account is blocked and to call customer service. Tried to call but wait times were over 1 hour due to People bank conversion. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Called customer service ( 1 hour wait queue ) who indicated that the account is blocked for legal hold but I would receive a call back within 7 days. 

XX/XX/2022 : No calls from M & T Bank still, so called customer service again ( 1 hour+ wait queue ) who just transferred the call to Fraud team ( call dropped so had to call back and wait in 1 hour+ wait queue ). Fraud team indicated that the legal hold was still there and should just be " a few more days ''. 

XX/XX/2022 : Went to XXXX to schedule a meeting call with branch. Meeting was confirmed for XX/XX/2022 XXXXXXXX XXXX XXXX with XXXX XXXX 

XX/XX/2022 : XXXX XXXX from the branch never called. Contacted customer service again ( 30 minute wait time ) and they just transferred to Fraud ( call dropped ). Called Fraud line ( 1.5 hour wait queue ), but no new information and finally was advised to just go to a branch. 

At this point, I still don't know why the account is blocked but plan to go a branch as soon as I can to close out my account and withdraw my funds.

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 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
XX/XX/2019 I noticed this balance on my credit history from ACCOUNT RESOLUTION SERVICES. Tried to call them to see what company was associated with them never got a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: UT

Complaint narrative:
I contacted Fedloan a month ago about receiving a refund for payments made to them during the COVID pause. This particular loan was paid off to Fedloan during that time as well as a portion of another payment to that same loan. I explained to them that because I paid off the loan before my loan servicer was changed to XXXX, that Fedloan would need to submit the request to the department of education. They understood/agreed and said that they would submit the request but apparently have still not done so a month later. I have contacted them 3 times since that first call and they refuse to give any more information than " my request has been received. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23 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: VA

Complaint narrative:
XXXX XXXX XXXX was verified without any proof other credit bureaus saw that it was not mine and deleted it from credit report. I have never done business with this collection company or the company they represent XXXX was verified with no proof. Other credit bureau deleted it from credit report. 

These are violation of the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Our business deposited checks into Santander Bank 's ATM in XXXX XXXX We discovered during an audit that Santander shorted us over {$1100.00} in deposits, as in, we deposited 12 different checks and Santander reduced how much we received due to an error to their ATMs. 

When approached they acknowledge their ATMs have a 3rd party company service them, and they did not catch these errors in any of their audits. Now they are refusing to credit us the missing funds on some of those checks. We earned the money, we were paid the money, we deposited the money and Santander did not correctly credit our account with that money. 

During our dealings they told us they were not responsible because we did not catch the mistake ourselves. Additionally they told us we would need to contact the issuer on our own, our customer, to recover these funds. Over a mistake their machines and their lack of oversight made.

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