vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank of America kept denying me a modification while the " no partial payment '' stipulation continued for my account XXXX, XXXX until XXXX, XXXX. I received foreclosure/short sale notifications while consistently submitting requested documentation and appeals. The amount that accumulated during the period that I was denied or kept in limbo of a decision is now a balloon amount on a modified loan approved and satisfied to date beginning XXXX, XXXX. This amount is reported as a part of my mortgage total and it keeps me from qualifying for home improvement loans. I am not allowed to separate the amount or pay on it aside from my principal. Homeowners with the same complaint have been awarded money in lawsuits that I did not qualify to partake in because I did not physically lose my home, although I was constantly threatened of the same outcome. On the last attempt for assistance, Bank of America did not render a decision for 4 months and then sold my account in the same month of the final denial, tXXXX XXXX XXXX XXXX. I was approved for the same modification that I had applied for under the same circumstances with Bank of America, the first time I applied with XXXX. My home needs normal upkeep attention and I am at a loss with the reporting and responsibility of this balloon debt that Bank of America allowed to stack with unfair application processing and decisioning.

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Back in XX/XX/2009 I had legal matter that I took care of back in XXXX and now 12 years later the XXXX  court is saying I have a debt of {$920.00}

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 explanation
Consumer complaint received 2022-01-18 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: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, three debit visa gift cards were purchased a local supermarket on a credit card amounting to {$700.00}. The website provided on their cards does not work to register them. On XX/XX/XXXX one of the cards were used and the merchant declined it. I called the bank on the back of the card and was told there was fraud on the card and I provided my contact information and was told a replacement would be received in 7-10 business days. I never received the card. I went back to the supermarket and the manager gave me another number to call to their corporate department and they took down the information and gave me another number to call. I proceeded to call them and they indicated the first card should work and the other two cards had fraud on them and they want to replace them. I told the bank that I wanted my money back as I don't want to run into the same situation again with the cards not working and not being able to register them online to check balances. They have refused.

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 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have a HELOC on my personal residence with Huntington Bank that I never use. Late last year someone went into one of their branches and made a withdrawal from the HELOC for approximately {$8700.00}. This was brought to my attention the same day by Huntington Bank. 

Shortly thereafter I was mailed an affidavit to complete verifying that it wasn't me who made the withdrawal. My account was closed and a new account opened. I brought the paperwork with me and a personal banker helped me complete the paperwork and left with the banker as instructed. This was done well within the time window requested. 

The day after dropping off the paperwork at their branch the fraudulent balance was transferred to my new account. I was only made aware of this last week when I got a text message asking me to call them. Upon calling the number provided they wanted to know why I hadn't been making interest payments on the balance. 

I tried emailing the email address I was given by the person who made me aware of the late payments, and emailing the fraud department. Responses from both told me to call their customer support line. I've spent a lot of time on hold and being transferred in circles calling their support line, trying to vain to get someone to help me clean this mess up. When I do get through to someone of authority they won't talk to me because I'm not an employee. I've left messages with the branch manager and he isn't returning my calls.

Please help I don't think I should be responsible for fraud. Not sure if the missed interest payments have started to negatively affected my excellent credit score yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2022-01-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX, Chase customer places in US Mailbox in Texas a check for {$100.00} made payable to relative in Illinois. 

On XXXX, Chase Bank receives for deposit, by way of a Chase Mobile Deposit App, a Chase Drawers check which Drawer subsequently learns had been stolen from the US Postal Mail Box, and obviously materially altered date, name of payee and amount from {$100.00} to {$4500.00}. In spite of fact that materially altered check is not properly payable under Uniform Commercial Code 4-401, and EFTA and Regulation E, on same date, XXXX, Chase charges Drawers account {$4500.00}, resulting in overdraft of ( {$1000.00} ), charges Drawer 's account overdraft fee of {$34.00}, and notifies Drawer by e-mail of overdraft. 

On XXXX, less than 24 hours after Chase accepts materially altered check, in response to overdraft email notice, Drawer reviews his account, realizes fraud and immediately notifies ( XXXX on XXXX ) Chases customer service and fraud divisions of altered check, and makes claim and request for Drawers account be credited the wrongly charged {$4500.00}. Chase subsequently refuses payment on Drawer 's outstanding checks. Now, XXXX, 20 days later, Chase still has not credited Drawer 's account the wrongly charged {$4500.00}. 

Issue : How long a period of time does Chase have to credit its Drawer/Customers account the wrongly charged and not properly paid {$4500.00}?????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am writing to you to address the need for urgent medical care that I just recently incurred. I was under the impression, after my visit and multiple calls to the hospital that I had satisfied all my outstanding balances for 2021. 
After being harassed for months about a couple of medical bills that I assumed that I had already taken care of and coming to the realization that maybe these bills were from a different occurrence, based on the dates I was told over the phone, I was informed that I had a balance of approximately $ XXXX {$800.00}. 
After confirming the balance and after weeks of hard work to come up with the funds to pay my bill, I called to pay my balance in full and was now informed that the bill is now a total of {$1600.00} plus I was informed that they had opened two more new accounts based on two " new '' medical room visits, which I have no recollection of occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: DISCOVER BANK
State: AZ

Complaint narrative:
About 5 days ago I received a email from XXXX who said Discover Card was insisting on my signature for permission to obtain my tax records thru XXXX process. Without any warning they also suspended my line of credit until I allowed them to get my tax returns from prior years, not even current income information??? I was in the middle of a vacation and on the road which caused me great stress and thankfully I had other means for deposits, gas etc.. or I would have been stranded. I have had this card for several years and the tactics they used to get this information seemed like a scam doing this by email!!!! This should not be allowed. We are told all the time not to provide our private information in this manner to anyone. This was not even my Credit Card Company ( Discover ), this was directly from XXXX asking me on behalf of Discover???? 

I returned from vacation today XXXX and called Discover and asked they retract this request as it is not required from every customer nor was the manner in which they were trying to get information thru a third party seemed like a scam!!! I also told them there way of trying to force people who are already customers of suspending their lines of credit without notice was also a threat of you have to give me this information or else which is not right!! This tactic caused me harm of having to close my account with Discover which will affect my credit score in a negative way and I think is completely unfair that a credit card company can pick and choose who they require this information from and not all customers are treated the same. Again, they are not even asking for current information, past information!!!. 

Research on the internet re this subject I see Discover is doing alot of this and there are many complaints. 

Thank You for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX Received a letter stating that my account was inactive and all funds would be sent to the state ( escheatment ) Called Wells Fargo re : letter and asked to close the CD and return funds, was told that I needed to send notarized form to them, Form was sent as instructed certified mail on XX/XX/XXXX Nothing returned, called again XX/XX/XXXX talked with XXXX at XXXX, he stated that his supervisor was busy, but they would get look up the form and get the check sent out Nothing done, life was busy .... 
Called XX/XX/XXXX, talked to XXXX who stated that I needed to call back in 3 business days and they would have the information to close the account, Called XX/XX/XXXX talked to XXXX, who stated that I could close the account by going on-line at wellsfargo.com and fill out the information, Looked on-line under my account, this is untrue, there is no way on-line to close the account, calling back but am very frustrated that they will not return my money. I realize that my CD is not due, but I will forfeit the little amount of interest to get my money.

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 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I never received invoices or bills for this debt so I believe it may not be mine. I mailed the debt collector a letter of validation request on XX/XX/2021, however I was not responded back to. The letter included a request for validation and a 30 day time period for validation and that was not met. The account being disputed is says there is a charge of {$760.00} but as I said before I never received the requested validation or bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My services recently switched to Nelnet. On my old account I was still paying actively on my loans even during the pandemic. Somehow when my servicer switched the monthly payment amount went from {$130.00} to {$1100.00} and they withdrew that from my account which caused a significant overdraft. I contacted both my bank and Nelnet to get the issue rectified and the transaction was reversed through my bank. Nelnet notified me that due to my loan servicer changing this amount was not updated and it would be updated closer to XXXX. This morning, however, Nelnet once again charged the amount and it took out again causing another overdraft after I had already spoken to them about the issue the prior week. My account is now has a balance of XXXX because they processed the payment again after I already called and had the issue rectified and they indicated my contact was noted in their system. Now they are telling me I have to wait 2-3 business days just for the refund to be approved, then an ADDITIONAL 4-6 weeks for a check to be sent to me. Meanwhile I have to somehow find the means to cover {$990.00} within the timeframe I have to wait just for my account to be out of the negatives, in addition to the extra {$210.00} they charged as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
Accessed PayPal through XXXX XXXX XXXX website to make a large donation. With no reason whatsoever the payment was made to another charity altogether- XXXX XXXX XXXX. This is a {$5000.00} donation that was given to the wrong company- and it was PayPals fault entirely. As soon as the transaction was done and we saw it was to the wrong charity- we called and asked them to stop it. They could or would not. They opened a case but then denied it and left to us to contact charity to get money returned. Utterly frustrating and they have taken over payment for so many charities. I will never use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I placed an order on XXXX through a 3rd party merchant on XX/XX/2022. There was a problem with my XXXX store credit card issued by Synchrony Bank because the physical card had been misplaced. I got a new card and submitted the payment again. After the payment was resubmitted I believe on XX/XX/XXXX, the merchant reached out to me via email on XX/XX/XXXX at XXXX XXXX my time asking if they could substitute a different color of the same model I ordered. I replied at XXXX XXXX saying that I did not want the substitution ; I wanted the original order as it was placed. At XXXX XXXX  I received a notification email from XXXX indicating my order was canceled without specifying a reason, although the merchant 's page showed the item out of stock at this point. Today, XX/XX/XXXX, the pending charge for that canceled transaction is still holding funds on my XXXX store card. I emailed the merchant who told me to contact XXXX directly, so I entered online chat with a XXXX representative who told me to contact Synchrony. Synchrony offered to create a dispute that could last 90 days, but said the merchant simply should have removed the transaction when the order was canceled. I just want the canceled transaction removed from my card. Please note in the printout from Synchrony showing pending charges, the canceled transaction amount of {$240.00} is showing twice. Synchrony and XXXX state that the first pending charge is when the card was originally declined, and it is not actually being held against my line of credit, so it is not a concern at this time.

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 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I received a letter from XXXX and XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by XXXXUpgrade Inc . 
This is causing me undue stress and sleepless nights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: IL

Complaint narrative:
On XX/XX/22 I received in the mail a letter welcoming to Wells Fargo with a checking account that I never opened. 

I contacted the Bank and they said they would look into it. 

I want to know why Know Your Customer ( XXXX XXXX does not apply to opening online accounts?!? Where are the regulators on this?!? If I walk into a bank branch I'd have to present several forms of ID but if go online at Wells Fargo I can open an account with someone else 's information without batting an eye. 

The irony that it's Wells Fargo STILL opening fraudulent accounts is not lost on 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