vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america stated that edd closed my edd account as of XX/XX/2020 However EDD was still paying me on the EDd account up until XX/XX/2020 - Bank of america will not speak to me or release my money -

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 2020-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
" Deceptive Lending Practices '' On XX/XX/XXXX I made a Personal Loan with One Main financial for {$4500.00} at rate of 35.99 % APR, while never missing a payment. The I never missed a payment which initially was {$170.00}. Due to the Pandemic and reduction of income I request a " Interest Reduction ''. Both agreed that the reduction would be truly a Interest Deduction, and did not some form trick, that would add interest to the principle balance. Thus on approximately XX/XX/XXXX both parties agreed to a Interest Reductions. The agreed upon Interest Rate was to be 6 % .After I made the payments as newly agreed upon One Main Financial source ways to increase the rate and payment. The Lender is now attempting to increase the back to 35.99 %. One Main Financial states that the increase is related to what they state is I can afford the original payment. I then stated my unhappiness with OMF and requested a Loan Payoff total. Upon doing this OMF increase the Interest Rate back to 35.99 %. I am requesting that the remain 6 % until XX/XX/XXXX the day of the last payment. After making 12 month payments One Main Financial claims they are now owed approximately {$4500.00} the original amount of the Loan, Addition One Main Financial elect to make a comment on my credit report at a rate reduction was agreed to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On Tuesday XX/XX/XXXX I stopped at Bank of America to withdraw money at the drive through ATM. I tried to withdraw {$300.00} but did not retrieve it from the ATM machine. The lid on the machine did not open for me to retrieve the money so I assumed it was stuck. I checked my bank account and saw that it was debited the {$300.00} so I pulled around and went inside the bank to see if I could get the it there instead, but the lady I spoke with told me to call the number on the back of the card and file a claim. The next morning on the XXXX I called and submitted a claim and they told me to wait 30 days to get a response, but I received a letter in the mail from Bank of America dated the next day XX/XX/XXXX, that they closed my claim due to suspected fraud. I was tolled that they needed to look at the security footage and audit the machine, but I assume that they never tried to look into my situation in the first place if they were able to make a decision that fast. Its been over 30 days and I haven't received anymore information regarding my claim. So I would like to have this claim re-investigated so that I can get my money back.

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 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Debt Collector : CONSUMER ADJUSTMENT CO ACCOUNT NUMBER XXXX XX/XX/XXXX I disputed with XX/XX/XXXX, which I received a generic automated response, stating the debt was verified and accurate. 

I sent the attached letter to Consumer Adjustment asking for validation. I have attached their email response and a copy of paperwork they attached. 

They failed to provide any answers to my letter that I requested. 

The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I purchased a visa gift card for {$300.00} at the following location on XX/XX/2020 XXXX XXXX XXXX The order number is XXXX and my credit card was charged on XX/XX/2020 I called multiple times and was told that a gift card would be shipped out soon. However no card was shipped after 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I received a call from credence consumer credit end of XX/XX/2020. While speaking to representative she mentioned amount owed and if needed to wait until I got my check book to pay. Didnt ask reasons for call. My response was I am disputing this charge. Representative took my information and assured me it will be looked into. IT WAS PUT ON MY CREDIT AS COLLECTION THAT DAY!!! No more correspondence at all other than my dispute it with credit bureaus. I can pay but do not owe this. I am being charged for services I did not use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Our mortgage application was brokered out to Carrington Mortgage located in XXXX, CA. File was submitted clean, underwriting provide underwritten approval in XXXX. All conditions were submitted numerous of times to underwriting to be signed off. Lender never provided clear to close. Final closing disclosure was signed by us on XX/XX/XXXX. No loan docs at title within the 3 days. Lender requested more conditions that was not necessary. Lender didn't close our file on time after 3 extensions. Close of Escrow was schedule for XX/XX/XXXX. Lender had our file for 3 months. We even went with a different lender because of this. The new lender has provided a new loan approval ina week. We lost our XXXX earnest money because of them. Seller walked away from sale because she didnt want to reinitiate our contract. 

Our realtor and our loan officer have emails documenting everything from the Account Executive from Carrington Morthage. They failed us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CITIBANK, N.A.
State: MI

Complaint narrative:
In response to letter dated XXXX XXXX ( Shop Your Way Mastercard Account ending in XXXX Citi Reference Number : XXXX ), My sears mastercard limit was lowered from XXXX to XXXX was never sent a letter telling me my sears account was lowered.I found out my sears credit was lowered when i used it at the the sears auto center for car repairs.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my sears was converted to shop your with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called citi bank and spoke to customer service and spoke to " XXXX  '' CSR XXXX and i stated to her to produce all letters to me for shop your way card, sears lowering credit limit, etc., that was sent to me and XXXX  stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with citi bank

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 2020-12-21 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: MD

Complaint narrative:
Experian is attempting to Delay an investigation that is taking almost 6 months to complete On XX/XX/2020, XX/XX/2020 and XX/XX/2020, I have asked Experian to Verify the accounts on my credit file are Accurate and complete and they have failed to investigate. According to the tracking numbers, they have been delievered and received by Experian. Over 120 days have passed and Experian has not produced the result of their investigation with an updated report on my credit file Again, attached is my Identification and proof of address

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Claim No. : XXXX Claim related to checking account ending in : XXXX Dear Sir/Madam : Im writing to complain about Chases refusal to refund my funds in the amount of {$1200.00}. On XX/XX/XXXX, I transferred {$1200.00} to XXXX ( retail trading exchange ) planning to use fund to trade. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase since I didnt use the fund. However, I forgot that my Chase account has been closed since XXXX, XXXX. Upon closing this account, I opened a new account with Chase. 

When I first learned my funds was missing, I contacted Chase. I was told by Chase supervisor nothing can be done about my problem and was advised to contact XXXX. After Chase and XXXX had me run around, Chase finally opened a claim. On XX/XX/XXXX, Chase temporary credit {$1200.00} and removed that amount from my account on XX/XX/XXXX. Chase Customer Claim Department ultimately declined to refund my funds {$1200.00}. 

The issue is that Chase claimed that the bank has never received money from XXXX and XXXX claimed that the money was never transferred back to XXXX from Chase. Since XX/XX/XXXX, my funds of {$1200.00} has been mysteriously disappeared. I have been trying to resolve this issue with Chase since XXXX but it was unsuccessful. As a result, I have no choice but to file a complaint. Please see the sequence of what transpired and attached are copies of my records : 1. On XX/XX/XXXX, my funds {$1200.00} was transferred from Chase to XXXX. See XXXX, XXXX bank statement. This account XXXX has been closed since XXXX, XXXX ; 2. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase account XXXX leaving XXXX balance in XXXX account. See XXXX Account Statement dated XX/XX/XXXX ; 3. On XX/XX/XXXX, a letter from Chase temporary credit {$1200.00} to my new account ; 4. On XX/XX/XXXX, a copy of check issued to me by Chase in the amount of {$1200.00} ; 5. On XX/XX/XXXX, a copy of email from Chase Customer Claim Department temporary credit {$1200.00} and opened a claim. The Claim No. XXXX ; 6. On XX/XX/XXXX, XXXX bank statement shows {$1200.00} check was deposited ; 7. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00} on or after XX/XX/XXXX ; 8. On XX/XX/XXXX, XXXX transaction page shows Chase withdraw {$1200.00} on XX/XX/XXXX ; and 9. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00}. 

To resolve this problem, I propose Chase to issue a check to me in the amount of {$1200.00}. I believe its right to claim my funds that has been mysteriously lost. I look forward to hearing from you soon and appreciate for your help. I can be reached at XXXX XXXX XXXX XXXX or email at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter from Bank of America which I had been banking at for over 15 years on about XX/XX/2020 saying they were closing 2 of my accounts for no reason. The letter looked odd but had a number so I called it but a recording said there was nothing I could do. Since I had banked at B of A for so long I went to the branch I bank at and spoke to a XXXX XXXX who made some calls and assured me that the letter was fake and to not worry about it. That is the only correspondence I received but then earlier this month I could not pull up these accounts and went back into B of A and spoke to XXXX XXXX who I have know at the bank for years. He could not do a thing and confirmed the letter was real and that per all of their agreements they can close my accounts anytime they want. Needless to say this was a shock as I am a small business owner that has used them for 15 years and now I had over {$200000.00} in their bank and I could not get to the funds. My accounts were closed so I had payroll for my employees bounce and many checks bounce because B of A is ( ) fill in the blank. To make matters worse I still have not received all of my fund yet from them so for over 2 weeks they have kept some of the funds.This has caused me great problems with suppliers that I have done business with for years.

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 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CO

Complaint narrative:
We had a lease at an apartment complex but my husband lost his job and was forced to take a job in another state. We could not afford the lease. We never missed a monthly payment with the Apartment complex and notified them when we paid the rent for the month that we were forced to move and that we had to break our lease. We under stood there would be a penalty at the beginning of the following month for doing this. We were in contact with the leasing agency, we cleaned the apartment and allowed them to rent it out immediately after we left so the apartment never sat empty and was paid for every month we were there. We expected to lose our deposit and were prepared to pay a fine. However, years later we noticed that there is a collection for over XXXX dollars on my credit report. We have tried contacting the company to find out what it was for. Have never gotten a true breakdown but this is not owed to this extent. We would like help getting it removed considering the complex actually made more money by leasing out the apartment with no " sitting vacant down time '' because we communicated and paid them every month and they kept our deposit. please help us. We have tried to get it removed and even tried negotiating with the company nut had no success.

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 2020-12-21 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: AL

Complaint narrative:
I have disputed several things on my credit report. Each time TransUnion states they " Have verified the account as mine. '' This includes a collection from XXXX. It is obvious they are not actually validating any of the items of mine. This is clear because one of the items is a collection from XXXX and they are using a collection company called XXXX. I just received a letter from XXXX stating they are unable to locate any account for me. If they have no account for me, how is TransUnion stating they have verified this as mine? Just like the other items I have disputed, they have not verified anything and have violated my rights. I have attached the paperwork from XXXX they sent me.

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 2020-12-21 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: AL

Complaint narrative:
I have previously disputed some items on my credit report. Experian has come back and said they were " Verified as accurate and belonging to me. '' I have continuously told them this is not true. One of these items is a collection for XXXX. Again, they verified this as mine and accurate according to Experian. However, I have received a letter from XXXX XXXX XXXX who i contacted because they show the collection company on my report for XXXX. They responded to me with a letter stating they can not located anything for me. I have attached that letter and the items I have been disputing. It is clear Experian has been lying and they clearly did not verify this as mine since the collection company themselves have stated they have nothing on file for me. This also tells me they have lied about verifying any of the other items as mine.

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 2020-12-21 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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I went to set up an online account to view and manage my Capital One account. While doing so they claimed that I had two accounts, one with Bass Pro and a second with Cabelas. The Cabelas was opened on XX/XX/XXXX. I did not authorize this account. I called them and they said they would cancel the account. I then contacted the three credit reports and they confirmed that the account was never opened but there was an unauthorized inquiry and the listing of an unknown home address on my credit report. I placed a dispute into all three of the credit reports and they are in the process of investigating the complaint.

Company response to consumer: Closed with non-monetary relief