vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
i called the company about them saying i was 18 months behind. 
I said i have been paying every month at the agreed amount, it has been taken out of my account every month they said the only way to take off my report was to pay in fool. Which is not what they agreed to. I gave the dates that we paid and they have records of all payments. Is says on the statement that we are on a payment plan.On their statement they have all our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I AM AN XXXX YEAR OLD MAN WITH A SMALL REGIONS BANK SAVINGS ACCOUNT. I LIVE MOSTLY ON A SOCIAL SECURITY XXXX PENSION. I AM XXXX XXXX XXXX IN MY XXXX XXXX  AND CAN NOT READ WITHOUT A BIG MAGNIFIER IN MY XXXX XXXX, WITNESS MY USE OF AJLL CAPS. 
I HAVE A RECENTLY OPENED SMALL STOCK ACCOUNT WITH XXXX. 
WITH MY XXXX XXXX BLOW UP FEATURE AND CAN MANAGE. RECENTLY I NOTICED THAT REGIONS WAS FINING ME {$12.00} WHEN I TRANSFERRED FUNDS TO MY STOCK ACCOUNT. XI HAVE NEVER TO MY KNOWLEDGE BEEN ADVISED BY REGIONS THAT THEY WERE DOING THIS. I GET NO HARD COPIES OF MY STATEMENTS. IT IS REAL HARD FOR ME TO TEAD ON LINE STUFF. 
I DO NOT THINK REGIONS HAS THE AUTHORITY TO TAKE {$12.00} DOLLARS FROM THIS OLD SICK MAN EVERY TIME HE TRANSFERS & XXXX OR {$100.00} DOLLARS TO XXXX  FOR HIS NEW GREAT DAUGHTER XXXX. IT SIMPLE IS UNREASONABLE AND UNFAIR.

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 2021-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loans and this was not my mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I selled a property of me worth on XXXX usd to a person whos name is XXXX XXXX XXXX. The person received the goods and then after that he said that he did not recognize the transfer and made a claim, affecting my XXXX balance for the transaction and also my bank flagged my account as fraud. That had brought me many problems.

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 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing and XXXX are both accounts that were opened fraudulently under my name. I did not open nor authorize anyone to open these accounts. I have completed a fraud ID Affidavit packet, please see attached. Delete these fraudulent account immediately as they are preventing me from achieving my credit goals. I have tried disputing directly with Convergent Outsourcing and XXXX already but they have not resolved the issue. I also provided proof of identification, please see attached.

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 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
This is a follow up to complaint XXXX, relating to and ACH failure by Mr. Cooper and their third party ACH provider beginning with the XX/XX/XXXX payment, that was closed with an unsatisfactory resolution. These issues continue today, as Mr. Cooper continues to attempt to charge me fees for an NSF that never occurred, the ACH block was their internal failure. I have had to correct my billing statement every month since the original complaint in XXXX and they have not corrected their issue. They are acting in Bad Faith and owe me for my time and effort, as well as mental stress to continually correct their mistake. I am attaching transaction history that shows that the original complaint issue is still occurring, as well as written communication from them stating that they corrected my XXXX payment, when they have not. I believe that this is a straightforward case of Fraud on the part of Mr. Cooper, as they have not corrected their issues within 3 months. 

I have attached the following that show Mr. Cooper has no intent to correct or adhere to lawful application of their fiduciary duty as a Mortgage Servicer : 1. Letter dated XX/XX/XXXX stating that they have corrected my payment on XX/XX/XXXX ( this is factually incorrect, as of today, XX/XX/XXXX, this payment has still not been corrected. 

2. Emails between myself and XXXX XXXX that show that she told me she would correct these issues. She did not do this and has subsequently ignored my follow up emails to deal with this. 

3. Transaction history dated XX/XX/XXXX detailing the repeated failures of Mr. Cooper to correct the issues related to my account that began XX/XX/XXXX. 

I have made over 8 phone calls to the Mr. Cooper XXXX Customer Service Line, filed a complaint with the CFPB and followed up with repeated emails to Mr. Cooper. None of these has achieved the outcome of correct application and, hopefully, punitive damages to Mr. Cooper for their pathetic oversight and adherence to the law. This has caused undue stress, aggravation and worry on my part. 

Your help in rectifying this is situation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I don't have specific dates or amounts, but Navient, who my unbelievably high loans are through, uses what they call " income-based '' repayment plans. In which they review your bank statement and calculate that they can pretty much XXXX up every available XXXX you have. The only other option is to pay whatever the usual monthly minimums are and because my loans started around $ XXXX, my " minimums '' would basically be the equivalent of mortgage payments, anywhere from {$800.00} to {$1100.00} a month. I don't make that kind of money. Never have. That said however, because it was XXXX, I feel like I shouldn't have to pay even half that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I had some charges come out of my checking account the weekend of XXXX XX/XX/11. These charges caused my bank account to be overdrawn. I deposited cash at about XXXX XXXX on Monday XX/XX/XXXX that brought my account positive. When I checked my account on XX/XX/XXXX, there were five {$37.00} fees on my account. When I called TCF, they said that their cutoff time is XXXX XXXX  MST and that they wont reverse the fees. I find it excessive and unconscionable that a bank can have a XXXX XXXX  cutoff time and charge me {$180.00} for making a cash deposit twenty minutes too late. The bank will not provide me their policy in writing either. I filed a complaint with a supervisor and they said that they would get back to me in ten days, but in the past, those promises have been unkept by TCF. They have inconvenienced me multiple times with system outages and ATM outages related to their merger with Huntington Bank. I feel that they should reciprocate by waiving these fees based on the details Ive laid out here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is I needed the most at the moment. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an account with Suntrust Bank opened XX/XX/XXXX. I paid the balance of the account off in XX/XX/XXXX with a deposit of XXXX. I opened a new account with Suntrust 1 1/2 years ago and had a dispute in which I made a cash deposit and did not get the credit for all of the cash so they filed a dispute, discovered I was correct and reversed fees and sent me a letter. 
Now all of a sudden they send a collection over to XXXX XXXX XXXX XXXX indicating that I owe XXXX. I called Suntrust Saturday XX/XX/XXXX and they said I had to call this creditor. I just spoke with creditor XX/XX/XXXX and they said I made a deposit of XXXX in XXXX and then Suntrust added on XXXX in fees and then added a XXXX collection fee which makes the sum total of XXXX If I had an outstanding balance with Suntrust ( which I did not ) why did they open a new account for me in XXXX? I NEVER received anything from Suntrust since I made that final deposit of XXXX re account ending XXXX. 
I attempted to reach the department that handled my dispute XXXX and just keep getting looped through automated system.

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 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I called Transunion on XX/XX/XXXX and spoke with the supervisor and explained that I have sent 6 letters, within that 3 have been certified, and have not received a response. Before these letters, I have submitted at least 2 disputes in deleting the chapter XXXX bankruptcy that should not be reporting on the Transunion credit report. 

The 3 tracking numbers that I have is XXXX XXXX and XXXX ; Transunion states that they have not received any correspondence from me since XXXX. 

I have told the representative from Transunion that the bankruptcy should not be reported because the bankruptcy was NOT voluntarily dismissed and does not meet their internal guidelines and also the FCRA. Also, XXXX  and XXXX  have determined that this should not be reported and have removed them from their reports. 

Below is an excerpt from https : //www.transunion.com/customer-support/faqs/credit-basic : Bankruptcies : Generally, bankruptcy and dismissed bankruptcy actions remain on file for up to 10 years from the date filed. A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. A voluntarily dismissed bankruptcy remains on your file for up to XXXX years from the date it was filed. The actual accounts included in bankruptcy remain on file for up to seven years from the date of closing/last activity regardless of the chapter pursuant to which you filed. 

They should be following the FCRA and their own policies ; this needs to be resolved.

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 2021-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had received notice that they received the payment initially. it was their websites problem and not my mistake because i assumed it was paid. They refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. The account has since been closed but i still see if on me report and its still effecting our ( mine and my husbands ) scores. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We starting getting phone calls from Truist or ( Suntrust ). At first we didnt answer because thought it was a scam. Finally, picked up phone and was informed we had been charged 3 months and they never received a payment. We were informed that XXXX had charged us for 3 months on an expired credit card. It had to be expired because we hadnt used it in five years. We didnt have one in our position. That means we didnt have any updated card. So the bank must have let them use an expired credit card. Once we found out what was happening we went directly to the bank in XX/XX/XXXX. The bank office talked to people had the charges removed. Well then we started getting collection calls and a letter that I didnt understand. So we went directly to a bank officer and explained the situation. They said that there was another charge added that didnt get removed. They expunged the charges, but made us pay XXXX which must have been for the collection agency. How does a bank allowed someone to charge to an expired credit card? XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Mexico, is claiming what I consider to be a fraudulent debt on an account I thought was long closed. 

This bank claims that they held a negative balance on this account, which I thought was closed, for 2 years, from XX/XX/XXXX until XX/XX/XXXX, and then " wrote off '' the debt in late XXXX. 

I closed this bank account in XXXX of XXXX. I have told them that any checking activity on this account after that date would have been fraudulent and I do not agree that I owed them any money. 

This bank never sent me ANY NOTICE of the alleged debt, before they sent it to the credit reporting agencies as a " write off ''. The first time I even gained any knowledge of the alledged debt which had been " written off '' was in XX/XX/XXXX. 

I believe this bank has charged a fraudulent charge to my account, and has sent a fraudulent report of a " write-off '' to the credit reporting bureaus, and that they illegally wrote off this aledged debt without ever making any attempt to collect or notify the alledged creditor, myself. 

I believe that XXXX XXXX XXXX XXXX XXXX is hurting my credit score based on a fraudulent charge, that they illegally " wrote off '' against me.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
i have a loan with chase bank, i have since traded the vehicle and paid it off. they subsequently still ACH my account for loan payment weeks later. They have not refunded my overpayment and am told it takes 10 business days. 

They can draft your account electronically, clear checks and deposits within hours, but can't return a payment to a closed account timely? Guess they want to make money on the spread. They are electronic when it benefits them, but not the otherway around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
I opened a checking account with HSBC on XX/XX/XXXX using a link that was supposed to trigger a bonus offer of 3 % cash back on qualifying deposits for the first 6 months ( a maximum of {$700.00} ). The bonus offer required account opening by XX/XX/XXXX. I submitted my application on XX/XX/XXXX and received a confirmation of my application on that day. But I received confirmation of account opening on XX/XX/XXXX. As I was concerned that I would not be enrolled for the bonus, I confirmed with an HSBC agent that I would be enrolled and I was told that I would be. Relying on that conversation, I proceeded to use the account and make deposits according to the terms. However, since then I have not received any of the cash back. It has been much longer than the 8 weeks the bonus terms say to wait for deposit. A chat agent on XX/XX/XXXX confirmed that I had made the required deposits and said they would put in a complaint about the bonus I had not received. I also called and used the HSBC secure message feature to inquire. I was eventually told that my account was not enrolled in the bonus confirmation, despite my initial confirmation. I believe I am entitled to the maximum {$700.00} bonus, but I have received {$0.00}. The bonus code is XXXX. Please let me know if I can provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eagle Recovery Associates, Inc.
State: IL

Complaint narrative:
I was called with an attempt to collect a debt from XX/XX/XXXX. The debt collector confrimed my name and asked if my address was still XXXX XXXX XXXX XXXX XXXX. I let her know this was not correct as I moved in XXXX the collector explained I owe over {$300.00} to XXXX XXXX XXXX  from a contract. I let her know that I was not aware of this debt and I believe this had all been settled many years ago. I asked for validation of the debt which she refused to provide. I repeatedly tried to let her know that I had not lived at the address provided at the time of the supposed debt and that I had no knowledge and required validation. Again she refused, I let her know that I was not acknowledging the debt but would pay if it was validated as true debt. She took my current address and said she would mark it as refusal and hung up.

Company response to consumer: Untimely response