vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX provides cell phone insurance  for lost/stolen or damaged to your cell phones with their US Bank credit card. After reading through the benefit I cancelled my cell phone insurance through my cell phone carrier XXXX. Part of their exhaustive claim process is to include : receipt for new cell phone, receipt for original cell phone, proof the cell phone bill is paid by XXXX XXXX, proof of credit card statement. Once all of this was submitted and accepted they denied the claim stating that the item mysteriously disappeared and due diligence. One could make that argument that anything lost or stolen could fall under this premise. If they would have highlighted these terms consumer could be more wary of a bait and switch scheme. After the claim process was started I received a letter that they will not be offering this benefit after XX/XX/2022 most likely b/c they had hooked enough customers to receive a credit card. I've given all documentation needed for a legitimate claim an am asking they fulfill their obligations. They have stopped communicating with me and are no longer returning phone calls or certified letters ( USPS tracking # XXXX ). My claim # is a XXXX their address is Program Administrator at XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio 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 monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My loan had gone in default. Select Portfolio Servicing, inc sent a letter to my home owners insurance company stating that my home is in default and foreclosure actions is being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete brake down of were my money went. What did how much was mortgage payments, late fees, and all other charges. 

My insurance company request proof the my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me proof when I requested. My insurance agent ( XXXX XXXX XXXX ) also called SPS to request the information and was also dined onXX/XX/XXXX. SPS attorney never sent me the info as well. If SPS would have given me a letter or to my insurance my policy would have not been canceled. They didn't send me the info for the insurance until after I filed the XXXX complaint. 

Now they are charging me {$510.00} for their policy fromXX/XX/XXXX to XX/XX/XXXX. My policy was canceled because they reuse to cooperate so they can make money. I lost my policy and now XXXX XXXX XXXX will not reinstate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This company works for progressive insurance at the time of cares act when everything was XXXX down they did not credit my bills as they stated they would because we all were on mandatory shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-11-22 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: MA

Complaint narrative:
personal checking account XXXX Bank breached, on line payees unknown transacted ( approx. 5 known ) ; credit card ( XXXX XXXX XXXX XXXX  ) account applied for ; personal signature loan applied for at XXXX XXXX XXXX. All have been contacted. Have Experian identity fruad lock down of credit report.

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 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Wednesday XX/XX/XXXX I opened a " Truist Bright Checking '' account with Truist Bank, via their website. I funded the account with an initial deposit of {$1000.00} via an ACH transfer from my XXXX account. 

On Thursday XX/XX/XXXX, the withdrawal cleared my CapitalOne account, and was notated as : " Withdrawal from SUNTRUST BANK XXXX XXXX ''. On that same day, I attempted to login to truist.com to check my balance and begin managing my account. The credential I initially created did not allow me to login, I received a " security verification unavailable '' error. I called Truist for assistance and my account was eventually corrected so I was able to login. 

On Friday XX/XX/XXXX I attempted to login again ; after accepting my credentials I was immediately returned to the login page. 

On Monday XX/XX/XXXX I again called Truist support for assistance. After some time, the agent let me know I would need to visit my local BB & T branch for assistance. I asked why Truist support could not again assist me with my Truist account. The agent explained that was the only course of action. 

I explained I had opened my account with Truist, not BB & T, though the funding withdrawal came from SunTrust, and that I was not pleased with having to travel some distance to a BB & T branch for assistance since I never intended to hold a BB & T account and there is a SunTrust branch within walking distance of my home. I requested that the account be closed and a Cashier 's Check be mailed to me, or the money be returned via wire or ACH, since that was how it was debited. 

The agent put me on hold and indicated that the only way for me to recover my funds is to travel to BB & T ( again, a bank I did not open an account with ) and work with the people at the branch to XXXX and close the account. 

I called back later to request my account number in order to file this complaint, and Truist refused to provide it, indicating I could retrieve it online ( an impossibility ).

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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted a Cease and Desist with ENHANCED RECOVERY COMPANY. I explicitly stated that there be no communication through any medium other then through mail. XXXX AND TRANSUNION are continuing to furnish this information as a means of communication which is in violation of the Cease and Desist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
this billl was paid in full over a year and a half ago they sent it to collections already before this and i reported it and provided the information showing it was paid they took if off and now they did this again this is illegal it needs to be taken off and XXXX XXXX XXXX  needs to be held responsible for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ND

Complaint narrative:
There is too much to write here about all the problems Ive had with fifth third bank so Im going with the most recent issue thats been the most troubling now. They are gaslighting me so hard. I have always been able to make payments online and the last couple of months I had not been able to do that because my account would not work and just told me to call in. I thought that was really weird so I tried for XXXX months at various times to reach in at different numbers as well. I finally got through after hours and talked with A guy who let me know that because my account was past due thats why they locked me out of my online account to make me call in My account was past due because I could not get in. So youll see my issue with that. Anyways he said after I make this payment to be up to date, which I gave him my information and it is posted, that my account would be unlocked and I would be able to make payments online again. That has not been the case and now I am past due this month again and I have been trying to get a hold of fifth third again at various numbers. Ive ive tried attempted contact at the XXXX main numbers of the social media and the number that is given on the online help when you cant login. Honestly Ive called these numbers back to back A ridiculous amount these last few days especially just show that I am trying so hard to just get in contact with these people. When I talked to the gentleman that I did get a hold of earlier mentioned he said that they had a total over XXXX contacts attempts for me. That is so false and I dont understand how theyre getting away with it. They have all my information correct as we went over. So I just want to be able to make my payments. They always claim on their canned responses on XXXX about security and stuff like that. I can understand that if I was taking money out or anything else but Im literally just trying to make payments it honestly feels like they just do this so they can get more late fees and more money. My track record is not been perfect and Im not trying to hide that but to be ignored and gaslit to this degree is astounding. Please help me. I just want them to unlock my online account. It was not perfect and I had my issues with it as well but at least I could see where I stood and monitor it without having to rely on someone answering the phone which never happens now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted a Cease and Desist with ENHANCED RECOVERY COMPANY. I explicitly stated that there be no communication through any medium other then through mail. EXPERIAN AND XXXX are continuing to furnish this information as a means of communication which is in violation of the Cease and Desist.

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 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION XX/XX/2021 to obtain a charge card on credit. NAVY FEDERAL CREDIT UNION falsely and illegally turned this consumer credit transaction into a loan in which they are now attempting to collect on an alleged debt that I do not owe as a consumer. During the CREDIT application process I submitted my credit card ( social security number ) which was used to access monies from my account at the treasury. In this consumer credit transaction I have an open end consumer credit plan in which NAVY FEDERAL CREDIT UNION repeatedly obtains money from my account at the treasury to cover charges on my charge card ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The issue is I got a text claiming to be from Bank of America saying my account is frozen due to suspicious activity and gave me a link to click. 

Banks don't do that with a mysterious link. 

I logged directly into my bank account there was no suspicious activity nothing was frozen blocked, etc. 
Phone number is came from is XXXX. 
Bank of America : Your online account is temporarily locked due to suspicious activity. Please login and verify your information here : XXXX That is not Bank of America link , I do not click links. Bank of America uses 800 numbers, even though their nationwide I have a Virginia account so my numbers would come from a Virginia telephone number not Washington DC.

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 2021-11-22 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: World Omni Financial Corp.
State: GA

Complaint narrative:
Currently in federal litigation with XXXXWORLD OMNI FINANCIAL. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for a Consumer Credit Card and a XXXX Credit Card. I was instantly approved on XX/XX/XXXX for the consumer card with a {$11000.00} limit. 7 days later i was denied for a XXXX XXXX. I spoked with XXXX on XX/XX/XXXX who advised me that the XXXX XXXX couldn't be approved. He also advised, he was going to submit my application for a personal card back up for review. I activated my card on XX/XX/XXXX and tried to use it on XX/XX/XXXX. Now i am unable to use my card, login online to see my account. I asked XXXX, since I am denied a business card, does this have any bearing on my personal card and he stated " no ". That was a lie. he straight up committed retaliation. How can you instantly approve me for a personal credit card and then play these childish games. I plan on taking taking court action against, XXXX, the underwriter who retaliated against me. I have contacted XXXX to file a complaint. I will also be filing a lawsuit against the bank, XXXX, for defamation of character, and making or assuming false assumptions. The underwriter, XXXX, I will file a lawsuit against him for defamation of character. There was absolute no reason whatsoever to display this kind of behavior or actions on my account. Every time I reach out to the fraud dept or the XXXX dept. I am always told that my account is in review and respond with " I dont know " They wont answer any of my questions and ignore what i say. They will repeat in circles and stay vague. I will also sue the bank, FNBO for tarnishing or damaging my credit report on all XXXX credit bureaus. This has been the worst overall experience i have ever encountered with a creditor.

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 2021-11-22 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: PNC Bank N.A.
State: SC

Complaint narrative:
I am displeased with PNC 's response to dispute # XXXX as the information provided by PNC is incorrect. It took PNC several weeks ( fromXX/XX/XXXX until XX/XX/XXXX ) to " produce '' this document that I had never seen before or ever received. Nor was it sent certified mail or tracking to verify receipt. Additional, PNC was only able to " produce '' this document after I reported them to the CFPB. Even after the compliant was filed, it took them almost a month to " produce '' this document. 

Additionally, I have located the original approval letters from PNC showing I was indeed granted a COVID Relief Hardship Deferral onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This disproves their document from XX/XX/XXXX and further substantiates my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I made my monthly payment that was due on XX/XX/2021, payment made online on XX/XX/XXXX. The online ledger showed the payment transaction on my acct., I took a screenshot of it for my records. The payment was made in an online transfer from my USBANK checking acct., to the USBANK credit card, both on my account, from this same bank. The next day, XX/XX/XXXX I see a late fee applied to my account and payment showing made XX/XX/XXXX. I contacted US Bank customer service to have the fee reversed because it obviously was not truly a late payment, the customer service rep said my " request '' was declined by the bank. I believe it is fraudulent of US Bank to be applying these extravagant late fees on it's customers when they can clearly see the payment was made on time. I believe a review needs to be done of US BANK and their business practices. I believe they probably scam millions of dollars from customers using this tactic. It is unacceptable especially during these difficult financial times in America. I hope every customer begins to look at their statements and ledgers and expose this company for this practice and also pursue recovering these erroneous fees that US Bank is taking from their customers.

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