vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I opened a saving account in the amount of {$5000.00} with Bank of America. The account specialist persuade me to open the savings account with Money Market Savings. He informed me that MMS gives better interest rates and they fluctuate more in my favor more than if I were to just invested in the regular saving interest. I never got any statements. Ive never checked the balance. 
On XX/XX/XXXX, I went to BoA and withdrew {$5000.00} and told the teller to close out my account. 
In XX/XX/XXXX, Ive notice my checking accounts from BoA and XXXX XXXX XXXX and fraudulent charges and charges made by other than me. I also asked about my savings account to BoA. They printed me one copy at the branch. Ive requested another copied from corporate and was charged {$160.00}. They immediately purged my savings account. Ive made numerous attempts to question why my interest rate stayed at 0.02 % annually? That breaks down to {$0.00} a month. But, the interest dollar amount did not reflect equal to the interest rate. It was even less than at some months. Id would only get {$0.00} or {$0.00}. Some months, Id get {$0.00}. Some months {$0.00}. Majority of the times its {$0.00}, no matter what my end balance is. Sometimes the annual amount earned and amount paid doesnt even add up. 
Ive made countless inquiries to account managers, specialists, branch managers. None, not one can explain why. Thats four branchs Ive visited. Calls, endlessly without success. They even try to ridicule me until Ive asked if they would buy into it. And, why doesnt the numbers add up. Even if the interest amount were to be rounded up or down, the amount doesnt equal the calculations. They purged my account after my second inquiry of why my savings account was thus.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: OH

Complaint narrative:
This is related to my earlier complain that someone opened a fraudulent debit account into which that person tried to apply for unemployment in Ohio. Now another cash card has been received called " Debit VISA '' but there's no identification on the card from where the card has originated. The outside of the envelope references Square, Inc. ant that's all I can find. There is no phone number on the card to which I can report fraud so that's very concerning. How do people even open cards like this? I need to get this account closed but don't know where to turn to get it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I had an account opened in a large well known Bank in New York, XXXX said I could only have access to it by means of an ATM Card, which I do not have a problem with, but when they decided to send it they suddenly said it had to be insured!! As I had already asked for a copy of the front and back of the card, I noticed there was no three digit code on the rear!! I have never seen a card without this code!! When I questioned them the said it would be given to me together with the pin code upon receipt of the card, which I find unusual but not a real problem, they also said thus was for security purposes!! 
So if this is so why charge insurance?? 
There only answer was that unless I paid I would not receive the card. 
Sorry but I find this intolerable and more like a scam?? 

XXXX 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 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I need help getting my property taxes paid as my mortgage company has been unable to for the past two months. I've been calling since XXXX since my loan was transferred over to Mr Cooper my mortgage company with a XXXX tax payment that was never made and is now overdue. I'm now in Tax Foreclosure territory, please let me know how I can pull the XXXX sitting in my escrow to make the payment on my county tax site as the money is just sitting there and they have failed to make the payment. I've called Mr Cooper 6 times and even the escrow department 5 times as they work with XX/XX/XXXX but even they are non responsive. They seem to not want to pay the taxes even though the money is there in Escrow to make the payment. Mr Cooper now has stopped responding to me, I've opened escalation tickets, called back time and time again and I don't know what more I can do or who can help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I recently got married and changed my last name. I tried to update my name at Wells Fargo where I have a checking account. I brought my old debit card with my old last name as well as a W9, social security card, and driver 's license with my new last name. They refused to change the name on my account without a marriage certificate. 

When I then requested they close the account, they refused to close the account because I did not have any legal IDs with my old last name on them. ( I do not have old IDs because they were destroyed when I updated my name legally. ) Instead, they told me I would have to call to close my account XXXX all of the previous interactions were done in peraon ). When I asked how they would authenticate my identity over the phone since I wouldn't be able to show them an ID or a marriage certificate, they explained there were alternative procedures to authenticate over the phone. I asked to follow those procedures in the branch where I was to close the account. They said they could not do that.

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 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
Previous mortgage company = XXXX XXXX XXXX mortgage company = AmeriSave I closed refinancing on XXXX XXXX, 2020. Refinancing mortgage company has not paid in full the previous mortgage company even after a month and now I am being shown as late/default on my previous mortgage company. 

Would like you to look into this ASAP and resolve. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
I can not afford my home ; I requested a loan modification from XXXX  Franklin and they approved me at a payment I can not afford. So, I tried to do a short sale, hired a Realtor, obtained an offer over the value and my realtor submitted to the lender. They took 2 weeks to review and then denied me for no reason, other than they want over {$100000.00} more from a buyer of what the house is worth. I know for a fact they have approved hundreds of other short sales using the market value. They refuse to use the market value with my situation. There is no other rational explanation on why they will not treat me the same as others clients. 

As described above, I have been denied to short sale my property, the lender says they are going to foreclose. This is a second lender and they are going to receive less money if they foreclose verses moving forward with a short sale in which they would benefit more. Why would a company choose to receive less money and deny me? They have approved many other clients, yet denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
On XX/XX/XXXX Citi issued a letter on both my accounts informing me they had lowered the credit limit on both my cards stating the was due to information from credit reporting agencies. The limits were lowered to just above the balances owed. Naturally, this reflected negatively to the credit reporting agencies. I had never missed a payment and always paid more than the minimum payment. I had done nothing wrong accept take advantage of their COVID relief offer. I paid off one card and paid nearly {$3000.00} on my Citi Costco card. XX/XX/XXXX Citi received {$4000.00} on my Citi Costco card. Citi rewarded me by lowering my credit limit again, thus reporting it negatively again. Citi called me twice on XX/XX/XXXX requesting I call them back. I was given two call back numbers, never of which allowed me a connection to Citi. I called the customer service line, was transferred several times, finally reached the right party, named XXXX. She literally had nothing to say. Complete silence. I was well aware there was nothing she could do to resolve the situation as Citi closed my husband 's account a few months earlier for simply not using his card. I assume they intend to close my account, too. 

Citi is ruining my credit rating. I have an excellent payment record even though the pandemic had caused a very minor issue. Citi is not reporting accurate information, therefore, causing my score to drop. This affects the interest rates I am eligible for. That equates to thousands of dollars. I would like to open a class action suit as I know I am not the only one.

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 2021-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
On XX/XX/2020 I mailed a certified letter to Capital Accounts LLC I retrieved the address from my credit report and the letter was returned by to me stating RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TX

Complaint narrative:
I've contacted the Company to update my credit report numerous times with no response. I've spoken with the Manager XXXX XXXX of the XXXX, TX Branch about not reporting accurate information to the Credit Bureau. Transunion is also responsible for reporting inaccurate information on my Credit report and file. XXXX is inaccurate and neither the data furnisher or TransUnion has reported accurate information for the past three months. This has affected my credit utilization and credit report negatively.

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 2021-01-23 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Santander consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX Santander again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with Santander, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I contact our XXXX loan company in XXXX, Virginia, CHECK INTO CASH and asked 1 ) do I have a grace period for the loan and how long it was. 2 ) what is the amount of late fee and 3 ) what was my husbands loan pay off amount. I was told that my husband and I had 7 days from payment due date before a {$25.00} late fee was added. I asked no more than {$25.00}? XXXX at CHECK INTO CASH told me no. Just {$25.00}. She said my husbands PAY OFF amount was {$760.00}. I asked if I pay it off on XX/XX/2021 would it still be {$760.00}? She said yes. She said it wouldnt even be 7 days late. I phoned CHECK INTO CASH today to pay my husbands loan off and was told by XXXX that the amount of payoff is {$970.00}. I told her what XXXX had said and she said that 30 days of interest had been added on! I told her NO ONE at CHECK INTO CASH had told us that. Even on the day we rolled it over for the last time due to some new law passed by the governor of VA about no more payday loans as told to us by XXXX at CHECK INTO CASH on XX/XX/XXXX. She said we could pay it off then or start making payments. Today XXXX stated since we hadnt made our first payment yet that the pay off was not {$760.00} it was XXXX with the 30 days of interest! 
This is FRAUD!! I can only imagine the people being charged like this who dont understand like I dont!! Since this is a new way to loan because of the new laws by our governor I dont think THEY understood in XXXX or they just didnt disclose. Please help me!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: DISCOVER BANK
State: IL

Complaint narrative:
A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM DISCOVER FIN SVCS LLC. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
As of XXXX acct number began with XXXX with credit acceptance I let them know there was a gas issue with the vehicle they never corrected, I paid for the repair out of pocket. After that I had another issue with ignition and didn't have the money to come out of pocket for that repair and the car note and the insurance plus what I originally paid for the 1st repair. After that I advised them to come get the vehicle and remove it from my consumer report less than 30 days I return the vehicle and it has still not come off my credit report it shows repossession and ruining my reputation with a derogatory mark on my credit report. This was for a used old car like a XXXX XXXX XXXX XXXX for about {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have many issues with the closed " XXXX XXXX XXXX Mastercard '' aka XXXX XXXX XXXX on all my credit Reports showing closed that reduced my credit score. 

1..This card was a sears card and was transferred over to a shop your way mastercard from citibank north america.when XXXX closed and went bankrupted. 
2..I never asked for or applied for a shop your way card.When I called XXXX to ask to show proof or mail copies that i applied for this card, they said they cant provide that information to me. 
3..After many disputes with CFPB, transunion, XXXX , XXXX , etc. , requsting to remove the tradeline on all credit reports, they sent a letter ( s ) dated XX/XX/XXXX citing " On XX/XX/XXXX, the XXXX Mastercard account ending in XXXX was converted to the Shop Your Way Mastercard account ending in XXXX. A Change in Terms notification was sent to you in XX/XX/XXXX, which communicated this transition. 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 ''. 
4..According to CFPB laws/rules and the FCRA act that protect consumers, I have the right to opt out of any change in terms.XXXX claims that was a buisness decision and there was no " opt out option ''. 
5..XXXX claims they sent me the new terms but they didnt.They only produced the new terms when i disputed false information on my credit reports.When i called them to produce paperwork initially, again, they said they couldnt produce any information. 
6..Because XXXX lying behavior.they claim they arent affliated with sears/kmart but indeed they are.Please see attached dispute responses from XXXX. 
7..XXXX and XXXX credit card is/was XXXX and so is XXXX XXXX XXXX mastercard. 
8..On XXXX XXXX, i called citbank reference number XXXX, and citbank cited '' We reviewed the call from XX/XX/XXXX, and confirmed that the agent provided incorrect information regarding the account closure. We have provided feedback to the agents manager. We regret any inconvenience this may have caused. Our goal is to serve our customers by providing superior service and products, and one of the best ways to achieve this goal is to receive feedback from our customers ''. 
9..XXXX closed my account that i did not ask for 10.XXXX is lying This is reporting on all credit reports as XXXX/XXXX your way Therefore, I did not request this credit card or ask for this credit card.I did not have the option of opting out per FCRA act.I did call and request information that citibank would not produce. 

Im requesting that all information be thoroughly be investigated and not seen as a duplicate complaint

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 2021-01-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and my Zales card was opened fraudulently. After contacting Zales and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23 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: FL

Complaint narrative:
I am a victim of identity theft and my XXXX card was opened fraudulently. After contacting XXXX and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TX

Complaint narrative:
All three Credit Bureaus. TransUnion, XXXX, and XXXX are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. XXXX and account balance are inaccurate. 

Both XXXX and XXXX has responded, but TransUnion has not responded from last compliant on balance and XXXX reported. The balance of {$4900.00} is inaccurate and the XXXX is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.

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 2021-01-23 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:
A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM XXXX XXXX XXXX XXXX. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.

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 2021-01-23 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: IL

Complaint narrative:
A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM XXXX XXXX XXXX XXXX. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.

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