vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NC

Complaint narrative:
My credit shows a collections account for a service that I did authorize or sign for. I sent a certified letter to the collections agency asking them to provide me with any information about the debt because it is not mine. I sent this on XX/XX/XXXX. I have not yet heard anything back from them. I next sent a certified letter to both TransUnion and XXXX  on XX/XX/XXXX with no response. I do not know what else to do. The debt is not mine. Please advise on what next steps I need to take.

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 2021-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have attempted to dispute erroneous accounts on my credit reports with XXXX, XXXX, and TransUnion but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX TransUnion XXXX 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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
I found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. XXXX  and Experian claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX  investigated and removed XXXX XXXX XXXX, XXXX XXXX, and Credit Coll collection accounts that did not belong to me. I even sent proof to Experian and XXXX  that the accounts were properly investigated and deleted by XXXX. Furthermore, I sent letters to XXXX  and Experian on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I opened a checking and savings account at Citibank after seeing an incentive to open a new Citi Priority checking account and deposit {$50000.00} in new money. 

On XX/XX/XXXX, I transferred {$50000.00} from an external account into my newly opened checking account. I also requested to link all my accounts ( new and existing Savings ) so I can qualify for no monthly fees because my combined balance exceeded {$50000.00}. 

The terms of the promotion stated if the new money remained at Citi for 60 days in an eligible account, then Citi would pay me {$700.00} within 90 days following the 60-day mark. 

I was an existing client but only had an accelerated savings account, so I was eligible for the new checking/saving account promotion. 

On XX/XX/XXXX, I contacted Citi customer support and inquired if I could transfer my new money into my existing savings account now that it was linked. The representative told me it was okay but advised to leave {$50.00} in the new account, so they do not automatically close due to a low balance. So, I transferred the new money into my existing savings and left {$50.00} in the new account. 

In XX/XX/XXXX, I received a monthly fee and was deducted {$30.00} from my checking account. The bank did reimburse me and reassured me that my accounts were going to be linked correctly going forward. So, I assumed I would not have to pay fees again unless I lowered my balance below {$50000.00}. I also inquired about the {$700.00} promotion and was told it will be paid within 90 days of the XXXX day of depositing the new money. I expressed my concern that we were near the end of the 90-day period and the deposit has not been made. I was told to be patient. 

On or about XX/XX/XXXX, I reviewed my account and saw another $ 30 monthly fee from my checking account. I was told to call back once the fee was fully assessed against my account. I also inquired about the new account promotion and was told the 90-day period has not been fully met. 

My concern is the Citibank website has updated the terms and conditions of the new account promotion, effective XX/XX/XXXX. So, now I no longer have written proof to show them I was eligible at the time I opened my accounts. I also escalated my concern to a personal banker who submitted a complaint on my behalf. The result of my complaint was that it was denied because my funds were deposited in an eligible account despite being misled by a customer service representative.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I got a new Apple Card from XXXX. I have only had it a couple of months and have not missed a payment. On XX/XX/21 I paid my statement balance of {$2800.00}. It was taken from my bank account but the issuer informed that the payment and the card have a hold on it until XX/XX/21. They told me it was due to a reversed payment in the past and that in the future to have my payments in on time. I have not missed a payment and have not carried a balance. I was able to provide proof on that and they determined that there had never in fact been a payment reversal. They tried twice to release the hold but were unable to do so. I asked for an explanation as to why and was told by the supervisor he doesn't know why. He submitted a complaint on my behalf telling me " I might hear back from someone ''. This is clearly a way to deter people from paying the statement balance so they can collect interest. So now I am missing nearly {$3000.00} from my checking and can not use my Apple Card for two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
This complaint is against Amsher Collection Services for a bill from XXXX XXXX. I requested that Amsher Collection validate this debt and prove that I legally owe them anything. The company responded with two documents from the original company with a list of medical procedures and tests that I had done, which is a HUGE problem for me. This is a HIPPA violation. My medical procedures and test are protected personal information and should have never been given to a third party company. The second issue is that the documents are not sufficient to validate that I owe this company anything. The document is the list of my test and procedures and the payments made by the insurance company and where the original company charge off part of the bill. Balance is reporting as {$0.00}. See the attached documents. This is NOT validation that I owe Amsher Collection anything. Furthermore, due to the HIPPA violations, this voids everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I have a mortgage with U S Bank and went in to forbearance when covid hit. My wife and I were trying to be proactive instead of reactive. We were ready to come out after the three months that was agreed upon in XXXX but they extended it without permission for another three months. I called and asked how to cancel the forbearance and the story changes every time I called. First it was when you make a payment itll take you out, next it was we just need an email stating you want out, that was sent back in XXXX. Now I have over {$6000.00} in unallocated funds that obviously are not going toward my mortgage. They have just sent paperwork for me to sign and it was received by me in XXXX, but it states my first payment is due in XXXX of 2020! The amount owed for the forbearance is not accurate its off by about {$1000.00} and I do not understand how my payments have not been being applied 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 2021-03-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: IL

Complaint narrative:
I noticed fraudulent accounts on my credit 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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I started a process for a conventional, cash out refinance on XX/XX/XXXX. Today, XX/XX/XXXX, I was told that the refinance would not be approved. Throughouth the process I dealt with misleading communication, at one point being told the amount of the loan would be changed by approximately $ 25k. I was sent at least four sets of closing disclosures and they did not have full breakdowns of costs, listing approximately $ 3k as " other fees ''. 

I was very timely in providing necessary documents, statements, and communication but would go weeks at times without hearing from the lender at all. 

After the lender tried to drop my loan amount by $ XXXX, I told them I did not want to continue the process as it had already been about five and a half months, and within 30 minutes, the lender reached back out and told me they could run the loan a differen way and the loan amount went from $ XXXX to $ XXXX ... in 30 minutes. 

This process has cost me almost a full six months that I could have been working with someone who actually wanted to close on the loan, it has caused me financial hardship and an untold amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit shows a collections account for a service that I did authorize or sign for. I sent a certified letter to the collections agency asking them to provide me with any information about the debt because it is not mine. I sent this on XX/XX/XXXX. I have not yet heard anything back from them. I next sent a certified letter to both XXXX and Experian on XX/XX/XXXX with no response. I do not know what else to do. The debt is not mine. Please advise on what next steps I need to take.

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 2021-03-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America made four charges against my credit card XXXX for {$180.00} on XX/XX/2021. These charges were related to a non-delivery billing dispute and a fraud claim that supposedly was ruled against me. 

XXXX Customer Service verified via email that the charge for {$75.00} was due to non-delivery and that Bank of America took a charge back from XXXX for {$75.00} on XX/XX/2021. 

XXXX Customer Service also verified via email that the charges for {$13.00}, {$36.00}, and {$59.00} were made on somebody else 's account and these three charges were fraudulent. 

Bank of America did credit account XXXX for the {$59.00} charge on XXXX leaving a balance of disputed charges for {$120.00}.

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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I digitally transferred funds from my PNC checking account to another bank. The funds were credited to my account at the other bank but later returned to PNC because the other bank couldnt read the check. In the interim I closed my PNC account so there was no open account to receive the funds at PNC. Instead PNC stated ( on a recorded line ) that they would be mailing the check to me directly. They have not done so. It has been several weeks, and I have called them many times. Ive been told repeatedly that I needed to talk with somebody else or a different department, but nobody ever calls me back. I just want my money to be sent to me now. That shouldnt be too difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My husband died XX/XX/XXXX. I talked Bank of America on XX/XX/XXXX at the branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I gave them a copy of the death certificate. They ordered the paperwork from estate services. On XX/XX/XXXX, I called to find out were the paperwork was. They said I would get it on the XXXX. I received the paperwork on XX/XX/XXXX. I filled it out and got it notarized on XX/XX/XXXX. I mailed it in the same day. I hadn't heard anything, so I called them on XX/XX/XXXX. They told me I forgot the zip code and filled in too much areas on the letter of instruction, They told me they would send me another form. I called them on XX/XX/XXXX, they told me they had not sent the form yet. On XX/XX/XXXX, I went to another branch and filled out another letter of instruction. They faxed in the form. Then they called the estate services to see if anything else was required. They said all paperwork was received and should get the money in 2 weeks. on XX/XX/XXXX, I received a letter from Bank of America stating they needed another copy of the affidavit for collection. I called them XX/XX/XXXX and said it was turned in XXXX. They said they would put it to a second review.

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 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GOLD STAR MORTGAGE FINANCIAL
State: OH

Complaint narrative:
During the closing on my home. Gold Star Mortgage was hacked by an outside source. As a result, I was sent wiring information from one of Gold Star 's employees. Please note Gold Star will respond saying they were not breached and I was. However, prior to the fraudulent email, I had NEVER has email, text or phone conversations with XXXX XXXX XXXX the loan processor ). Gold Star then informed me that in fact she was an employee there but did not send the email to me. Prior to sending the wire transfer, I contacted by phone my mortgage agent, XXXX XXXX. I sent a screenshot of the wire transfer instructions and told her the name of the person that sent the email, Ms. XXXX. She verbally instructed me to send the wire for {$7.00}, XXXX to a XXXX bank account. She was on speakerphone and the XXXX XXXX  Branch Manager, XXXX heard her give me the go ahead. Once the scam was discovered Gold Star immediately became combative and accusatory. My realtor XXXX XXXX was involved, I filed a police report, bank fraud and tried to work out something with Gold Star. They told me they had no responsibility even though my mortgage broker told me to send the money. Please make sure this company can not do this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
I feel that the debt is not valid, I do have an open account with the credit card agency, this one is a notification that there was a debt for a separate credit card from 2011, I did not have a credit card with that agency in 2011

Company response to consumer: Closed with non-monetary relief