vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was wrongly charged 3 overdraft fees but my account never went negative. My balance on the morning of XX/XX/21 was {$85.00}. On that day a deposit of {$40.00} posted and I had 3 debits that totaled {$23.00}, so the funds were there to cover the transactions. I was shocked when I looked at my account the morning of XXXX and saw that BB & T had charged me 3 overdraft fees totaling {$100.00}! 

I went to my local BB & T branch to meet with a banker because I was absolutely sure this was an error and it would be resolved with a refund of the fees. I pointed out to the banker that the transactions on my account did not take it into the negative. She said, " Oh, you can't go by that. '' I said, " Are you saying my account does not need to go negative to get an overdraft fee? '' She printed out an " explanation '' which I have attached. It said my XX/XX/XXXX balance of {$85.00} was debited by 5 transactions totaling {$160.00} that took it to a negative balance of - {$81.00}, but those 5 debits did not post till next day, XX/XX/XXXX! On XX/XX/XXXX, when those transactions actually posted, my social security direct deposit had come in, so those 5 debits were well covered. The printed " explanation '' tried to say that the transactions that posted XX/XX/XXXX should actually be counted against my XX/XX/XXXX balance. I do not understand how this can be considered fair banking practices. How can they charge overdraft fees on an account that never went into overdraft? This is trickery, unfair, and deceptive. I am XXXX and on a fixed income. I can not afford these predatory fees. 

Since I realized the banker was sticking to her story that the fees were correct, I asked for a courtesy refund. She checked with her manager and came back and told me that she could not give me a refund because I had been given a refund two years ago! 

I'm attaching my account activity from XXXX XXXX XXXX, and the " explanation '' detailing the unreasonable and unfair fees they charged for overdrafts that never happened.

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 2021-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
My loan was modified after falling behind by Gregory Funding. I was bombarded with intimidating Court Documents making me feel if I did not agree to the terms offered they would proceed with Foreclosure. 

I was forced to retire after 37 years with XXXX XXXX and my salary was paid but reduced by more than 50 %. My mom was on the origial loan with me. We modified the loan the same way, however myself and my husband make the payments. I submitted paperwork with his name but they modified as per the origional loan. I have no idea why this was done. 

The deal I felt I had to take was not good but I was desperate to keep my home. I was unaware, at the time, of forebearance programs and the moratoriums on foreclosures nor did the bank mention this. I tried to contact the banks lawyer but they would not speak with me about correcting the paperwork. The loan should have been in my and my husbands name.. I thought I was applying for HAMP which I understood offers a good interest rate, especially during Covid. Mine rate is 5 %. I had to come up with XXXX in cash. I feel I was ripped off by this bank which should have given me a better interest rate and should have modified as per my application. I can not take advantage of a full homestead as the loan has my mothers name on it. She does not live her. It was as if they did not even look at the application. 

I havent received the permanant modfication papers yet. The only thing I have received is from the court- it has been released from lis pendens. I would like to reapply or refinance for a better rate but Covid had caused my credit to take some dings. My husbands credit is perfect. He qualiifies for FHA. Can the Consumer Protection Beureau help? Are there better programs out there? I would like to refinance to an affordable payment. My loan is just over XXXX but my payment, interest and taxes come to XXXXXXXX XXXX per month. This does not include insurance. I will start receiving a pension next month. My husband is still working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I, XXXX XXXX, Am submitting this complain on my own behalf and there is no third party involved. 

I recently pulled my credit report and discovered that there is information that I do not wish Navy Federal to furnish as they already in violation of the Fair Credit Reporting Act. The FCRA states what shall be EXCLUDED from my consumer credit report. 15 USC 1681a ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. so According to Federal Law this account should not be on my credit report because it violates my federal rights and shall be removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I sold a diamond and deposited the cheque on the XXXX into my account XXXX at chase bank. They put a hold on the cheque. i have visited 2 branches to clear the cheque and i have called 10 times to clear the cheque, but to no avail.the customer sent me confirmation that the funds were withdrawn the day i deposited the cheque. 
The supplier remains unpaid and he released the diamond and paperwork and deserves his money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery/XXXX XXXX Account # XXXX Collections Agency : Portfolio Recovery Associates , LLC. Original Creditor : XXXX XXXX XXXX XXXX XXXX 1. ) Portfolio Recovery has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later. 

2. ) Portfolio Recovery made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of PRA 's purchase. '' I have personally confirmed with XXXX XXXX, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim. 

In fact, XX/XX/XXXX has clear records which state my XX/XX/XXXX account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a XXXX XXXX XXXX XX/XX/XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to Portfolio Recovery false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices. 

The XXXX XXXX Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect Portfolios records either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
US Bank requires that I escrow funds for insurance and taxes. For the second year in a row, they did not submit payment for my insurance in a timely manner. 

I have called them and asked for them to stop escrowing funds so that I can pay both my taxes and my insurance in a timely manner. They told me that I have to pay them to end the escrow process.

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 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filling a complaint against PayPal. I sold a few sneakers last year around XXXX on XXXX, and suddenly my PayPal account got permanently restricted for no reason. I had around {$6100.00} balance right before the restriction. I shipped all the orders out and they were all delivered and verified thru XXXX. I was told by PayPal to wait 6 months in order to withdrawal the balance to my bank account, but PayPal took the money ( full amount ) from my account automatically when the 6 month ended. The only reason they give me is that I violated their term of service, but I have properly shipped each product and they were verified by XXXX before even reaching the customer. As you can see in the XXXX emails, all for my sneakers were successfully authenticated by XXXX. I have called and emailed PayPal, but I have never received any response from them in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: OR

Complaint narrative:
FRONTIER COMMUNICATION - Account closed and paid in full. They reported additional amount due. No contract and additional amounts incorrect. I tried multiple times to remove this debt from XX/XX/XXXX. 

It is now XX/XX/XXXX. THIS CAN NOT BE REPORTED ANY LONGER. NOT A VALID DEBT FOR REPORTING PURPOSES.

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 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Third party not involved, XXXX-present TransUnion have violated my rights by using my information and reporting my information without my written consent. This is a violation Pursuant to 15 U.S. Code 1681

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This is the third complaint I have filed with this company and they refuse to give me the stimulus money that was awarded to me and my family. I have done what I needed to do and updated my address with the post office. When I called the post office to confirm they stated that they have my address change form and it was processed. They also mentioned that certain mail needs to have permission from the sender in order for it to be forwarded. Has moneymart done that? What they are doing is unfair, the money was clearly given to me because I am someone who is in the low income bracket and for this money to not be given to me is causing financial difficulties. The last response they gave me was that I would have my EIP card by XX/XX/XXXX and that never happened. If this does not get resolved I will take legal action. They should not be given a huge responsibility if they can not serve the public in a proper manner. 

Also the number provided last time does not give the option to speak with an agent. In order to do so you are required to enter the card number who check I do not have.

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 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: UPGRADE, INC.
State: FL

Complaint narrative:
My data was breached in XXXX and beginning of XX/XX/2021, by someone in XXXX. They got a hold of all my personal information including social security, drivers license that now is marked, checking account and savings account. They wiped my account cleaned and leaving me in negative. Plus, they took out a personal loan with Upgrade for {$7000.00}. They are aware of this situation as I reported to them immediately and gave them police records, Fraudulent identification papers. Now, they have ruin my credit and threatening me to pay them the money and trying to withdraw money from my new checking account, which I do not know how they got it. Reporting late now after several months 30 days past due. This account is not mine and now they want me to make payments. I never received money or have any loan with them. Just because my husband had a loan in the past with this company and was paid off. Doesnt mean that I have a loan with them. I call them every single day and leave messages no call backs. 
I been dealing with this issue since I found out in XXXX of 2021. We are in XXXX and no results, except for them now reporting to my credit and ruining my credit. 

Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
In 2019 someone opened a Discover credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and Discover Financial on multiple times and they still have not removed item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo contacted me about 2 accounts in my name which were closed by them. I do not have accounts with Wells Fargo and believe these accounts to be fraudulent. I was made known of these accounts XX/XX/21. I attempted to call Wells Fargo to inquire however was bounced between customer service and fraud multiple times without assistance and hung up on multiple times. When finally getting somebody willing to help, they were unable to verify any information as I did not have enough information to correspond to these accounts, in addition to my name, address and social security number. 

Given Wells Fargo has a reputation recently for starting fraudulent accounts, I am concerned this may not be resolved in its entirety.

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX is attempting to collect a debt that is not owed. I do not have XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to THE STARK COLLECTION AGENCY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
They are trying to collect a debt that I already disputed with original creditor as fraud related, Original creditor agreed to remove since balance was {$4800.00} on a credit card with a {$2200.00} limit, I have all documentation of the dispute with original creditor. Midland credit managem stated that account was opened on XXXX XXXX, 2020 and bureaus are reporting another different date. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was notified by my bank of some suspicious transactions on XX/XX/21. There was 3 transactions. Two of the transactions were denied one went to processing. When it went thru I made another claim cause I figured something happen cause it went thru. which was closed for duplicate. I was notified on the XX/XX/21 was denied. I called the said it was filed wrong not under fraud. They filed it under fraud. On XX/XX/21 was denied again. I called they said cause the merchant provided email and phone number that did not match mine. They confirmed it wasn't my information said it would be closed and account credited with 24 hours. It was denied again. I called back and now they are saying since I made 2 claims about the same transaction. They pay the claim. That its my fault since I opened another. I made a mistake now I'm out the money. Claim number XXXX amount {$490.00} Now they say there's nothing they can do.

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 2021-10-05 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:
On XX/XX/2021 and XX/XX/XXXXI sent a letter regarding inaccurate and unknown things on my credit report. I have not yet received a response and its over 60 days. My disputes are being ignored and I feel power is being abused here. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these items be deleted immediately or I will seek litigation due to the XXXX it has caused. I was also affected directly by the Equifax data breach and my information was impacted and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What XXXX XXXX is going on?

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 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I decided to look at my BBVA credit card account due to having received a letter stating that they were becoming PNC. I was shocked to discover charges and foreign transaction fees equaling {$700.00}. I had not used the card in a year and according to the statement, it was for a furniture store located in XXXX! I called the bank to file a fraudulent charges claim. I was told that they would look into the claim. Today I received a letter stating that they had decided that the charges were legitimate and I would need to pay them. Legitimate charges for a furniture store in XXXX?!? There was no explanation as to how they made the decision and no steps to appeal the decision. This decision is absolutely absurd! I have tried to call them again repeatedly and can not reach anyone. Im put on hold and then after an hour, disconnected. This happens over and over again. I did not make these charges and can not believe BBVAs total lack of customer service!

Company response to consumer: Closed with explanation