vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Company has misrepresented facts over and over. They have stated that XXXX insist that the escrow account remain open, appraised home in discriminatory manner and now refuses to adhere to law and appraise home for the correct value that it should have from the beginning. Now to add insult to injury they file a false Escrow Disclosure Statement in retaliation for insistence that home be appraised for its true value as the homes on left and right have and do appraise for $ XXXX {$370000.00} so therefore our home which has more updates should appraise their or higher. They have stated knowing to be untrue to XXXX states an escrow must remain XXXX has stated verbally and otherwise that this is not the case and that this is XXXX  call not them. We have paid our Hazard Insurance for the past two years in full at all times paid up for the whole year never has XXXX had to pay and they still will not fix their errors. Now dated XX/XX/2021 an disclosure for Escrow was mailed stating what was paid by us ( home insurance is paid up for this year and next year and XXXX is aware ). Truth in Lending requires that this escrow be accurate and it is not. This is paid in full and therefore can not be added to the Escrow account as thought it is not. There is an expectation of honesty in holding and recording escrow funds and this is clearly violated. ESCROW ACCOUNT BALANCE SHOULD BE BACK TO WHERE WE STARTED EVEN LOWER WHY DOES IT KEEP GOING UP THIS IS RETALLIATORY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase sent me a renewal XXXX MasterCard towards the end of XXXXr/early XX/XX/XXXX, however I was in XXXX when the renewal card was mailed out ( between XX/XX/XXXX and XX/XX/XXXX ) and never received it. I reported the fraud charges as soon as I saw them on my card statement on XX/XX/XXXX. 

There were a total of 8 fraudulent charges, and Chase agreed to reverse one of them. The other 7 fraudulent charges were not reversed because I supposedly received benefit from those transactions, however I never received my card, never activated it and most certainly did not incur any charge on the new card, AT ALL. 

Fraud charges : XX/XX/XXXX - {$33.00} XX/XX/XXXX - {$720.00} XX/XX/XXXX - {$700.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$700.00} ( reversed ) I subsequently tried contacting them to review my case three times, in XXXX, XXXX and XXXX. All three times they reviewed the case and held me liable for what are clearly fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Collection Agency, Ltd.
State: CO

Complaint narrative:
I have a collection on my credit report that is the result of a forged lease in my name. I went to court to have it resolved and i have the documentation saying that the courts even declared that it was not owed by me due to forgery. The collection is still on my report and the company continues to attempt to collect even though i have the documentation showing that it isn't owed. Please help me resolve this matter and get this collection removed from my report as it is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021. I applied for chase southwest rapid rewards card online. As advertised, the issuing bank agree to provide a statement credit of {$200.00} at the time I was approved for the credit card. Okay, I was instantly approved online for the credit card and called customer service to retrieve the credit card number to book a flight. The customer service representative acknowledged I was approved but was NOT able to provide my new credit card number over the phone because of privacy issues. Okay fine. I waited for the credit card to arrive in the mail as suggested then I booked several flights since I received the new credit card. Today XX/XX/XXXX, I received my credit card statement in the mail and NO statement credit of {$200.00} was applied to my credit card statement as advertised at the time I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/21, Coinbase.com temporarily suspended my account due to concerns of hacking activity. They promised to get back with 4-5 business days which is now past without any communication. Ive emailed them countless times, filled out customer service notes, tried to get their attention on XXXX, XXXX, nothing. They dont even acknowledge my messages. This is my ticket number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore is falsely reporting information to the credit bureau regarding a Loan Modification as of XX/XX/2021 and we never requested a Loan Modification. They are negatively impacting our Credit Scores due to this false accusation and misrepresentation on all 3 Credit Bureaus! We did not request a Loan Modification under COVID-19 and have been paying our Mortgage bill every month before 30 days. We have never requested a Loan Modification for XXXX XXXX  during COVID-19 and this is a form of Discriminatory practices against XXXX XXXX American Homeowners who are attempting to Refinance their homes. They always attempt to block XXXX XXXX Americans and negatively impact their credit and we are submitting this complaint to have them remove the FALSE Flag they have placed on my husbands credit file as of XX/XX/2021 and my credit file as well! This is pure Greed and Discrimination exhibited by Rushmore Loan Management Services. You have no right negatively impacting our Credit scores and we did not request a loan modification under COVID-19 nor did we sign any agreement or paperwork requesting this falsified request!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. XXXX DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE 13 PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.

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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
XX/XX/21-My checking account was disabled. 

XX/XX/21-I reached out by phone to First Tech, and was told that my account was frozen, no deposits or withdrawals could be made. I could not speak with the fraud department personally, I would have to correspond through post mail.

The reason I am submitting this complaint is a few factors 1. There is no timeframe for resolution that they stated which they could guarantee.

2. There is no way to communicate with the fraud department, except by post mail.

3. There are oversensitive fraud measures relative to other banks I have used.

3. I desperately need this money to pay my credit card bill. I was consolidating it here from a few different accounts in order to make the payment. The total amount is ~ {$6500.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, approximately at XXXX a number of transactions occurred in my CashApp account which all of the money in that CashApp account was stolen out of the account and then additional money, via CashApp, out of my XXXX account. 

A total of {$8900.00} was taken. There were seven transactions that appeared as if I was paying persons or refunding those persons money. The transactions are as follows : {$1000.00} XXXX XXXX {$760.00} XXXX XXXX {$980.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX XXXX I filed a police report with the XXXX XXXX Maryland Police Department. Police Report # XXXX. However, XXXX has closed my case since they claim to not have enough information. Also, CashApp has issued a temporary refund, however they have will not give me access to the account to withdraw the funds. I have made several attempts to contact CashApp, however they keep responding with emails that do not address my problem. 

I fear that CashApp has permanently closed my account and will never refund my money. Meanwhile, XXXX allowed unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
On Wednesday XX/XX/XXXX my bank account was closed for unknown reasons with CITI bank. They have refused to refund my the {$230000.00} available balance in the account as they can not verify my phone number on public record. The account was open for a year with two phone numbers that were previously able to be used to verify my identity. I have given them every phone number ever associated with my name but still they can not verify my identity or give me an alternative method to receive my funds. I have had a new york lawyer reach out who also was never given a response.

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 2021-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the company is with capital one auto finances who are reporting multiple late payments when I actually was making extra payments and or higher payments towards my loan by choice to pay it down. regular payments were {$320.00} and as shown in my receipts i even payed XXXX XXXX in some months. others were returned because they would hit my account a long time from when i submitted the payments, however I then made the payments from a different account as soon as i was notified by my bank that it was returned. even still there is no way it was 30 to 90 days late from when i payed from another account unless their own processing ( which is long already ) took that long so i could notice. I'm pretty sure this is false reporting and very bad business. would not do buisnessbwith them again. they also reported a credit card balance in which I was not the primary account holder. they should know that and i think they were trying to see of i would just pay it off. one customer service representative told me it was on my credit for ten years but wouldn't effect my credit. i think this is totally unprofessional terrible business on their part for what seems to be their way of doing business in quickly reporting customers to credit bureaus with incorrect reporting. Also, i have contacted XXXX who has this reported and it's nearly impossible to get them on the phone. they also will not correct the dispute. i find the credit bureau to be very difficult compared to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. NISSAN DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE XXXX PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The company failed to cancel our card when I returned them along with a letter stating we are ending our relationship. The account continued to receive charges that were not ours and when we informed Capital One they sent us a letter stating that all erroneous charges were reversed and we were made whole. The same day we received the letter we received our monthly statement via the internet and all the erroneous charges were back. After we returned our cards we received a credit for a purchase we returned and we are due a refund from Capital One. About XX/XX/2021 I mailed a schedule setting forth how I arrived at the amount we are due. The schedule was mailed to Capital Ones Customer Advocacy Office in XX/XX/XXXX, Va. and Capital One has never responded to this letter. 
To make matters worse Capital One continues to leave messages for me to return calls and when I do they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My loan was service transferred to SunTrust as of XX/XX/XXXX. I tried to call them to make a payment since my recurring payment was canceled. I was on hold for over 45 minutes. Instead of being able to pay at that time, I paid via online bill payment on XXXX because I did not have time to sit on the phone any longer. Per my bank, they received the check on XX/XX/XXXX. I called on XX/XX/XXXX to check on the payment and they said they had not received it but that I would not be charged a late fee because of the service transfer. I made a second payment online that day because the agent told me that I would NOT be able to set up recurring payments until I made a payment and if I made an online payment, I would be able to take care of if it that day. Thus, as of XX/XX/XXXX I had made two payments to SunTrust for the month of XXXX. After I made the online payment, I was still unable to set up recurring payments and the agent merely said oops sorry. Thus, I spent nearly an hour on the phone, made an extra payment since that is what they told me to do so I could set up recurring payments that day and I was still unable to set up recurring payments. Today, XX/XX/XXXX, I checked the Mail and I have a letter dated XX/XX/XXXX ( the day I spent almost an hour on the phone with them and made an online payment ) stating I'm delinquent on my loan and also a periodic statement saying I owe two months of payments and will be assessed a late fee. 

SunTrust is one of the worst loan servicer I have ever dealt with. I understand I have no control over who will service my loan but I hope as the CFPB you will examine their servicing practices. They are clearly understaffed because it takes over 30 minutes to get anyone on the phone, they are undertrained as they told me making a second payment would allow me to set up recurring payments but it did not and their periodic statements are printed inaccurately.

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 2021-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX XXXX theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I noticed that my escrow payment went up {$280.00}. When I called, PNC explained that a needed to carry a certain percentage over my obligations " just in case ''. After I thought about it, I called back and a new person told me that my taxes and insurance must have went up by a few XXXX dollars per year and that I would have a big payment that month. After noticing the same increment on XX/XX/XXXX, I called my insurance and tax collector who confirmed that my annual amounts did increase by a few XXXX dollars. After doing the math, I will have paid PNC bank {$9100.00} by XX/XX/2022 where my annual expenses don't exceed {$6300.00}. I called PNC bank again on the XX/XX/XXXX and talked to XXXX who first asked me to make a {$2200.00} escrow payment. I said " absolutely not '' and he told me that he understood and will request that I manage my own escrow. He also told me that I would hear back in 10 days, which I did not. I called PNC bank again on the XXXX of XXXX and spoke to XXXX. Not only did she tell me that she couldn't find my request, but she said that this " wasn't something that they could even do. '' When I pressed for a resolution, she told me to email a letter to XXXX which I did on the XXXX of XXXX. It's been nearly 2 months since I asked for PNC bank to stop illegally taking my money and their staff seem ill equipped to resolve this issue. Even after my first tax disbursement in XXXX, I still won't be close to have a XXXX XXXX and will be well over 10 % in escrow. As a consumer, I shouldn't be forced to provide a bank an interest free loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im hoping someone can help me with the violations against me. I have sent several letters to XXXX and Experian and my most recent letter has been over 60 days without a response, Experian and XXXX are in violation of FCRA 15 USC 1681a ( 2 ) ( b ). 
I never gave any written instruction or consent to furnish this information. Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violation and this violation can be fined up to {$1000.00}.

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 non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
I used Specialized Loan Servicing to apply for a HELOC in XXXX. This XX/XX/XXXX I paid the loan completely. When SLS promised to send to my XXXX XXXX XXXX XXXX of Minnesota ) a satisfaction notice, they did not do it. First they promised me that it would be sent in 45 days, then 90 days, but as of today ( over 100 days since the loan has been paid off XXXX XXXX XXXX says that they still have not received the notice of satisfaction, so the lien on my property remains and I am unable to sell my house. 

Whenever I call SLS they have no real answers for me and no manager to speak with. They often send my call to the " escalation department '' that also has no answer for me. I am beyond frustrated because we can't sell our home.

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 2021-05-25 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XXXX XXXX Convergent Outsourci add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred and sold and I'm no longer responsible for the account. Debtors creditors did no verify this collection. Also there wasn't no writing form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the fcra Convergent Outsourci has violated my rights as a consumer and I'm requesting legal action to remove this account 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