vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/XXXX I took a credit card with US bank, US Bank XXXX XXXX SIgnature Card, at the XXXX OH XXXX USA branch for two reasons : 1. Although I have been a customer of US Bank for 14 years I was told I would be charged a monthly maintenance fee that could be avoided if I had a credit card with US Bank 2. That I could make a balance transfer from another credit card that would remain interest free for 12 months from the time of issue and as long as I made a minimum payment I would not be charged interest. 
When I spoke to the manager of US Bank XXXX OH branch whom issued me the card I was told that if I made purchases as long as I paid these off I would not be charged interest. 
I took the card with a balance transfer of approximately $ XXXX. 
Every month I purchased small amounts, of approximately XXXX or XXXX dollars and paid back a sum that was well in excess of this to ensure I was paying back for these purchases and also paying off the balance transfer. 

On XX/XX/XXXX I started seeing interest charges on this account that continued every month ( XX/XX/XXXX : {$13.00}, XX/XX/XXXX : {$9.00}, XX/XX/XXXX {$7.00} ). I then called the helpline for the card at approximately XXXX XXXX  on XXXX to find out why I was being charged these amounts despite the fact that I was paying pack way in excess of the purchases- {$100.00} on XXXX, {$250.00} on XXXX, {$250.00} on XXXX, {$600.00} on XXXX, {$150.00} on XXXX, {$1000.00} on XXXX - ( so that I could also pay back the balance transfer amount ) and it was many months before the interest-free period on the balance transfer expired. After speaking to an agent I was put in touch with her supervisor " XXXX '' who said that as per my agreement a portion of the paid amount would go to pay back purchases and a portion would go back to pay back the balance transfer. 
When I took the card I was never told this and was told that as long as I paid the amount needed to cover any new purchases there would not be an interest charged. 
I would also suggest that to any reasonable person it would seem quite obvious and fair that if a customer pays off a credit card it should be either made clear how much will go to pay for recent purchases and how much would go to the balance transfer and how much he or she would need to pay to avoid interest. None of these were revealed when paying off the card through the online website.

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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I have a conventional mortgage with Pennymac Loan Services. My mortgage balance had fallen below 78 % more than 3 months ago but I am still being required to pay the PMI. 

Loan origination date : XX/XX/XXXX Original LTV : 81.8 % Current LTV : XXXX The estimated scheduled date to reach 78 % is XX/XX/XXXX Current on payments ( never late ) I made some extra payments to my principal after a call with the mortgage company on XX/XX/XXXX after they told me that payment will terminate the PMI, which it did not. 

I contacted the company 's Escrow department today and was told that according to the closing disclosure 's projected payment section, I will need to pay PMI for three years in total. The 78 % or originally scheduled date for 78 % LTV will not terminate my PMI.

One option I was given was to pay a one-time fee of {$100.00} to perform an appraisal to check if I qualify for PMI deletion. They mentioned that appraisal will cost between $ XXXX $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I have sent I C System 3 letters and I have not received any letter verifying the debt. The first letter I sent was on XX/XX/2022 requesting validation of the debt. The second letter was on XX/XX/2022 requesting additional information on the account. The last letter I sent them was on XX/XX/2022 warning them I will file a dispute with you guys. I also have not received any written document informing me of my rights to dispute.

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 2022-09-01 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: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I have attempted to make multiple payments on a recently opened credit card with Gemini/XXXX  and according to my bank XXXX XXXX XXXX they never received the ach withdraw requests. I have double checked bank account information and verified I can withdraw and deposit to another product Gemini/XXXX  offers. There appears to be an error in their system as I still can not make a payment to any balance owed resulting in endless late fees and bad marks on the tradeline. I have recently reached out to the company for resolution and they refunded the late fees however the system still won't allow a payment to be made and they are continuing to report negative marks on the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is not my debt, it is apparently the debt of a former employee. I should not have received 51 calls on an office phone between XX/XX/22 and XX/XX/22. 
These calls originate from : Capital One ( XXXX ) XXXX and XXXX ( Apparently XXXX XXXX, at Capital One ) This is a community college chemistry lab, and I do not care, AT ALL, that a former employee owes them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I'm taking every route possible chime bank since I disputed hundreds of dollars in fraudulent transactions has denied repeatedly my claims and refusing to help refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXX Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with Equifax by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with Equifax and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: IL

Complaint narrative:
I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX  when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent XXXX : XXXX and XXXX transunion : XXXX and XXXX XXXX  : XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and XXXX asked for my Identity information again after I already sent it twice.

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 2022-09-01 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: IL

Complaint narrative:
I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX  when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent XXXX  : XXXX and XXXX XXXX  : XXXX and XXXX equifax : XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and equifax asked for my Identity information again after I already sent it twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Second Notice to report fraudulent inquires on my consumer report. 
I filed a complaint with CFPB on XX/XX/XXXX and my case was closed XX/XX/XXXX that the issue was resolved. The following inquiries are still on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
There was in Inquiry placed on one of my credit bureaus ( XXXX ) from FNB OMAHA on XX/XX/2022 that I do not recognize. I did not authorize this company to place an inquiry on my report, nor did I sign or give consent to pull my report. 

Please remove this inquiry immediately. 

Thank you.

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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
Hello! I would like to complain about Pennymac company. I have tried to resolve my issue over the phone and via messages a few times without any success. I have a mortgage with them for about 10 years, they are not my original mortgage originator. I have attached the screenshot from my " Loan Activity '' page and the answer they provided about interest part calculation. My interest 3.5 %, my monthly payment is {$2200.00}, escrow is {$560.00} and usually, I do an additional principal reduction payment on the 13th day of every month. So basically, for the previous 10 years, they computed the interest part of the monthly payment using the last available principal balance. In the " Loan Activity '' attached document you can verify that : XXXX. Line XX/XX/2022 - interest {$470.00} = ( previous balance ) $ XXXX XXXX. Line XX/XX/2022 - interest {$460.00} = ( previous balance ) $ XXXX But starting XXXX 2022 ( Line XXXX/XXXX/2022 in " Loan Activity '' ) they changed the interest part calculation, they provided the answer in the attached document " Answer 2 ''. Instead of charging {$440.00} = ( previous balance ) $ XXXX, they charged interest part {$440.00}, dividing the month into two parts : before receiving a principal reduction and after. The same issue happened for the XXXX payment. My argument is that even if I have a fixed payment every month, my interest part now is more and the principal part is less. Also, they did not provide any notice before implementing the changes. Their arguments are- they should not provide any written notification because they enhanced interest calculations in order to save the customers ' money. I think it is not true and deceptive, without any difficult calculations it is obvious that they do not save my money. My calculations are in the " fair resolution '' box and for the two monthly payments my principal balance off {$4.00}. And it is only one account, doing it for every account brings them thousands every month. Please contact me if you have additional questions or need more evidence, phone # XXXX. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal credit card charge me for fraudulent activity that was made on my account without my authorizations. I reported these fraudulent charges and they are still charging me for things that I did not do I never use my Navy Federal credit card I apply for it I got approved for it and never used it I lost my card and someone used all my funds on my navy federal credit card now They are charging me for the fraudulent activities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
A company by the name of Merchant 's Credit Guide reported a delinquency in the amount of {$220.00} to my credit report. I've never had a working relationship with this company 's creditor and I've never used their services. I have attempted to dispute this erroneous information directly with the credit reporting agency as well as XXXX XXXX in XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Please aid in the removal of this erroneous information or I will be forced to proceed in the court of law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo Money App is a large financial app that takes money and allows payment or to receive payment. Lately they have been freezing accounts for several weeks for no reason leaving the user stuck unable to access funds or make transactions. A user cant make payments or receive payments from work or other transactions for several weeks. Its happened to me and is going on right now. I dont think a financial institution should be able to manage money if they dont have staff to run it properly. Right now my account is frozen for no reason and its been weeks and nobody knows why. My paycheck is being withheld until this problem is fixed. This is common. They shouldnt be allowed to operate in this manner, managing money, when they often freeze and hold money for weeks with no real way to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance. 

Sincerely, I.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
4 calls today, they hung up on me all 4 times, but promised me to call back if the call dropped, they are crooks, never called, and couldnt answer simply question, Crooks that I gave my social security number too! Do something please!

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with the fair Credit Reporting act XXXXXXXX Account XXXX XXXXXXXX violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/22 I received written notification that my account with XXXX XXXX  is now own by Midland Credit Management , IncXXXX for the amount of {$710.00}. I received an email from Midland Credit Management on XXXX/XXXX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX and Midland Credit Management has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX on my consumer reporting file. I need some help with matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance. 

SincerelyXXXX XXXXXXXX

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