vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK. I deposited a check for {$14000.00} in a New CITIBANK account on XX/XX/2019. Because the account was new they placed a 5 day hold on the deposit. This Hold was removed XX/XX/XXXX. On XX/XX/XXXX they removed the hold - I used some of the funds and then my card was blocked. I was notified Citi was closing my account - I had an ending balance of {$8200.00}. I was told they would mail out a check - they have not. I have received {$0.00} from CITIBANK. They are holding my money. Every time I call, they say they mailed a check. I spoke to one lady who said " Citibank has taken possession of these funds. '' I have asked for invoices and statements to be sent to me - no one does anything. They say it is confidential. They are holding my money and have stated this multiple times.

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 2019-12-30 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: FL

Complaint narrative:
I originally submitted a dispute letter to TransUnion dated XX/XX/2019, requesting validation for a collection from XXXX and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting TransUnion 's method of verification for the two collections, XXXX and XXXX XXXX, and a collection from XXXX XXXX, which I have disputed in the past. This letter was received by TransUnion on XX/XX/2019, at XXXX XXXX. TransUnion responded with a letter dated XX/XX/2019, verifying the XXXX XXXX   collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the XXXX and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.

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 2019-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My Capitalone venture credit card was closed around XX/XX/2019 without letting me know.I was at a store trying to make a purchase, when the card didn't work.I called Capital one and they told me my card was closed and didn't give me any reason.I have always had a good standing with the company and always paid my balances in full. 

I also had {$400.00} + of rewards points left in my account which I was going to use for flight tickets around XXXX. Capital one only gave me half of that. 

I think its cruel for Capitalone to cancel my card without prior warning.I was shocked a company would do this around XXXX time when people travel a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
On XX/XX/XXXX Bank of America closed my credit card accounts, despite the fact that they were all current. Next the bank informed me when I called about the card accounts that in fact ALL MY ACCOUNTS, including a business account and my adult daughters account were being closed. When asked about the reason, the bank provided the statement 'For business reasons ' we no longer want you as a customer. 

That fact that no reason was provided and the fact that I was not provided with sufficient notice of such account closure violates my rights. 

I have been a customer of Bank of America since XXXX, which makes this action even more suspicious and arbitrary.

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 2019-12-30 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: CA

Complaint narrative:
I have a Discover Fin Svcs account for {$4600.00} reporting on my credit, that is not my account. XX/XX/2019, I submitted ; FTC report, police report along with a personal statement from myself to XXXX. I checked my XXXX  online account on XX/XX/2019 and I had received a confirmation from XXXX that, they have received my documents to dispute Discover Fin Svcs. On XX/XX/2019 XXXX removed Discover Fin Svcs from my credit file. Has of XX/XX/2019, Discover Fin Svcs has been resubmitted on my credit profile. On XX/XX/ at XXXX I talked to XXXX ( XXXX XXXX, Supervisor ) with XXXX  and I was told ; Discover Fin Svcs never did provide them with any type of proof, but Discover Fin Svcs did say that the account was my account and XXXX has no obligation to verify that the information being reported by Discover Fin Svcs is accurate. XXXX refused to help me with this item reporting on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 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: GA

Complaint narrative:
It's not my account, i never applied for this company.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I had a payment mixed up with Chase Amazon Rewards card in 2011 where they charged a bank account that I had closed instead of the account that I recently opened, as I instructed them to do. It was Chase 's mistake, but they assessed a punitive rate of 29.99 % against my account. It has been at that rate for nearly 9 years. 

In the ensuing 8 years, I have had no missed payments with any account. My credit profile is good enough to open two more substantial accounts with Chase at lower rates, including their premium Chase XXXX XXXX XXXX. Those accounts were opened without issue. Additionally, Chase Amazon Rewards increased my available balance. What they have not done is lower the interest rate. 

I called the company repeatedly over eight years to ask why the rate did not return to the normal rate after a credit review. The only response from customer service is that 'no one can lower the rate. ' The practice is obviously usurious and based on the proclivity of the company to try to catch people out. While perfectly legal, it's remarkable unethical. I can not understand why one account at Chase would carry the usurious rate while others carry the prime rate based on nothing in particular. I am disinclined to close the account because it's one of my older accounts and it will affect my credit reporting. Chase is not interested in fixing this issue or in retaining my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Citibank to close my savings account. They said they would send the remaining balance ( about {$12000.00} ) by check to my house. They confirmed the address, which had not changed in 27 years. We never received the check. My parents are retired and someone is home almost XXXX, and we have a surveillance camera pointed at the mailbox. 

We have called every week for months, and they insist that they will send another check, but they never do. They tell us to call back in 2-3 days for a tracking number. We call, and they have no record of sending the check. They don't have a record of any check since XXXX. They have told us they will stop payment on the check from XXXX many times. Did they ever actually stop payment? Who knows. It seems not. 

It has been almost four months and we still have not received the money. The insist that we can not get it from the branch or any other way. They have stolen {$12000.00} from us and think that's totally fine. They will just keep " forgetting '' to send the check, or lose our request, and keep it forever. This money does not belong to them. It is theft, plain and simple. They say there is no one we can escalate to, and no other options.

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 2019-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Around XX/XX/2019, the bank froze electronic account access to my two credit card accounts. While the bank has my email address and phone number, I did not receive notification ( I am setup to receive notification ). I was not delinquent or behind as of XX/XX/2019. Around XX/XX/2019, I logged onto bankofamerica.com and found that I could not access any information or submit payments. Instead, all I saw was a message requiring me to call the banks phone number. When I called, I was told to verify my identity by going to a physical bank branch. I was not given an option to make payments ( by mail or by phone ). At no point until XX/XX/XXXX did the bank notify me of any security concerns. When I asked for a timeline to visit a branch, the representative told me there was no due date. However, on XX/XX/2019, I received a notice stating that all accounts and authorized users were closed out. Subsequently, I received a collection letter for around {$70.00}. 
I allege that the banks restrictions on my accounts were illegal and unfair. The bank should have at least reinstated my access to its payments or account information page when I called to inquire about the account freeze. At the time, the bank had other methods of verifying my identity via text message, email, or phone. The banks requirement to travel to a physical location seems to be unusual and inconvenient. Also, the bank did not accept or offer other methods of payment. 
Second, the bank acted illegally and deceptively when it suggested there was not a deadline to visit a branch ( per the recorded phone conversation ). The bank 's actions also affected authorized users, not just myself.

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 2019-12-30 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: GA

Complaint narrative:
It's not my account, i never applied for this company.

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 2019-12-30 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: GA

Complaint narrative:
It's not my account, i never applied for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX  ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2019-12-30 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:
XXXX XXXX ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One offered a promotional with 5 % cash back so I applied for the card. I received the card and read the small print to discover that the only way to receive the 5 % cash back was complicated and only applied to using it at XXXX. I didn't like this kind of promotion so called and cancelled the card. It was never used ( or even activated ) so I really don't want this on my credit report. I am very concerned about this kind of advertising which is very unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergence Acquisitions, LLC
State: MI

Complaint narrative:
I spoke to XXXX XXXX  and advised of identity theft-fraud on this account in writing years ago. Also spoke to Convergence Receivable LLC and advise of identity theft in writing as well..I advised the other Law office this is not my debt. Now I am being garnished by XXXX XXXX XXXX XXXX XXXX XXXX for debt that is not mine. I did speak to the representative at XXXX XXXX XXXX, XXXXand advise him this was not my debt. He responded by advising me that my information was not the same information listed on the account. Attach is a copy of the FTC identity theft affidavit. Please cease all legal action and close this 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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
This company has continued to report information negatively on my credit file that I can not dispute not confirm. 
They have not provided me documentation showing any form of contract between myself and NCS They have not provided me written notice regarding this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My mortgage was sold from XXXX to Loancare XX/XX/19. Loancare processed my XX/XX/19 payment but has not posted my XXXX - XXXX payments. XXXX XXXX  has sent twice proof of payment but Loancare has not responded. The XXXX has sent a complaint to them but with no response. From all the other complaints on the XXXX website, I think this company is involved in mass deception and fraud. 
I can not get through to anyone person who is handling the case. There are letters coming to me but no person, email or extension that I can contact. 
Is this another company who will be claiming bankrupcy with our money? 
please look into 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 explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.

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 2019-12-30 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:
XXXX  XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I refinanced my home in XXXX with Carrington mortgage. At the time of the refinance I didn't have an escrow with my mortgage. I was lead to believe after closing I could remove the escrow account. In XX/XX/XXXX I sent written request and evidence of prepaid home owners insurance. The request was denied. I was told the mortgage had to be 6 months old. I wouldn't be eligible until XX/XX/XXXX. On or about XX/XX/XXXX I called customer service and they told me I was eligible as of XX/XX/XXXX to close the escrow account. I faxed over the request and it was denied. Carrington said I was more than 30 days late and the account had to be bought current. I researched and found contrary information. I've called and spoken to customer service, the escalation team and the corporate office. No one has been able to provide the statues or regulation that support their decision. According to what I can find my escrow should have been closed back in XXXX. I am exempt from personal property tax because I am aXXXX XXXX XXXX XXXX veteran. My homeowner 's insurance was paid in full in XXXX of XXXX and will be paid again in full in XXXX of XXXX. I have no need for an escrow account.

Company response to consumer: Closed with explanation