vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, at approximately XXXX pm I stopped at a BANK OF AMERICA XXXX XXXX XXXX BANK OF AMERICA branch located in XXXX XXXX California on XXXX XXXX XXXX to deposit a draft I received in the mail. XXXX XXXX, as well as the branch manager, XXXX XXXX said my instrument was non-negotiable. I showed them the definition of a negotiable instrument pursuant to 3-104. Pursuant to 3-104 my instrument is a negotiable instrument because it is an order which means it is a draft. A draft according to 3-104 is a check. Despite all this, they still would not take my deposit because they said it was a " bill ''. Pursuant to 12 CFR 204.2 ( iv ) Deposit means : Any due bill. I do not agree.

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 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections XXXX within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Dear team I have used amex card more than three years later on want to close my card called multiple time and request to close the card after one month finally i close the american express credit card on XXXX XX/XX/2021 also i have received mail from American express your account has beed closed you can trash the card so that i follow the same. Also i check on the normal XXXX report like a XXXX  its shows account closed then after couple of month XXXX they called me they said in your XXXX there was the transaction of one lak and i explain them i closed the card on XXXX month itself how its possible and they told you are the responsible the card payment orelse you can diapute to the customer we can claim from vendor. 
I told them unneseecory with out anything i cant complaint to vendor. 
Now they hit me in cibil score paymnet pending from XXXX and XXXX month. 
My question is if when i close the card that time was no pending Payment they clear everthing. 
Now they are coming with big amount of one lak. 
Can't accept this fraudlent from american express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CA

Complaint narrative:
I am still disputing the collection with Equifax for a cancelled policy that was phoned in and cancelled with XXXX XXXX. Their collector XXXX is informing that the amount due is XXXX however I received an email from XXXX informing of a diffferent amount XXXX. I am extremely frustrated with this as I have forwarded them a copy of the email with NO RESULTS. I will pay the XXXX but would like the matter to be corrected first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
I was charged {$250.00} for smoking at the XXXX XXXX by XXXX XXXX OH XXXX. I don't smoke. My wife doesn't smoke. We didn't smoke at the hotel. When we attempted to resolve the issue with the hotel, they charged me {$300.00} for calling the front desk. Great Western Bank and XXXX refuse to reverse these fraudulent charges. 

Hotel stay was from XX/XX/XXXX to XX/XX/XXXX. Dispute was filed with bank on 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 2021-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
First Mark, the new debt collector for XXXX XXXX XXXX loans, claims they can not lower monthly payments or do any consolidation because the terms and conditions can not be changed from my original lender, and that the First Mark does not offer any of these services. They also can not pause or temporary stop any collection like federal loans. All delinquent payments or accounts would be reported to appropriate credit agencies. There were also no terms and conditions about pandemic like situations except for disaster and temporary hardship situations. Even before XXXX XXXX sold or handed their loan collection agency to First Mark, XXXX XXXX also said that they could not find a lower payment based on my information even if we were in a pandemic with reduced hours. They would also report to credit agencies if delinquent or late. Then First Mark said that researching a third-party lender to refinance or takeover the loan would solve my problem. A new lender would make it worse because consolidation fees, transfer fees, and new interest rates would be applied making the loan larger and longer than I originally consolidated or got the loan approved for before starting repayment. All the payments I started making to pay the loan back would then be lost and become the new amount of interest/fees owed when consolidating or transferring to a new lender. So who is going to help me? Nobody? How are we supposed to deal with student loans during unforeseen circumstances like a Pandemic? This is very unfair during a pandemic since all the federal loans stop collection for over a year. This is also unsecured debt because nobody knows how much annual income you would make a year after graduating college even if you picked a degree or career that is in demand or in need. There is no guarantee that you would get hired at any job, company XXXX corporation, agency, or place. That is why I am complaining because it discourages future students from borrowing or going to college and hurts those that are trying to repay. I am not even working in my " dream '' career or making as much as I did before Covid or receiving promotions and pay raises. If I could just have my payment lowered a little bit to under $ 125~ {$140.00}, it would help a lot and I wouldn't have to miss a payment or complain to the CFPB about their collection practices and the agency itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my account has been diligently neglected by TransUnion. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the incorrect information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that are still reporting on my report : XXXX XXXX XXXX Balance {$130.00}

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 non-monetary relief
Consumer complaint received 2021-11-25 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my account has been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2021 Balance : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a credit card. The credit card got approved. The bank tells me on the phone they don't have my phone number in their system. It is a requirement to have a valid US phone number to apply and get approved for a credit card. You people approved my credit card without even having a phone number in my account? How did you manage to do that because that is very sketchy and fraudulent on your end!? 

I was trying to get a manager on the phone but the operators were all reluctant to let me speak to a manager. They just won't let me speak to their manager, in case I complain against them. Then finally one manager said he can't do anything about it, because he has no access to nothing not even my account ; that was a complete disservice. The second manager says he doesn't know. No one knows why my phone number is missing from my account!? 

I spoke with an operator from your fraud department who asked me a series of questions but that soon went down to harassing me on the phone. She asks for my date of birth, I give her my date of birth. Then she asks what's my age? What kind of harassment is this!? Either that uneducated operator does not know how to calculate someone's age or she just had the intention to harass me on the phone, I beleive the later is true unless you hire grade XXXX students to work for your bank who doesn't know how to calculate someone's age.

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 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XXXX I had contacted HSBC to close my account due to the fact the 1st of all I never got a bonus for opening an account with the them and 2ndly they're charging me {$50.00} per month. Also, considering I have a checking account with XXXX XXXX XXXX XXXX and the fact that I have rent to pay and I needed to have this account closed and I was advised by the representative on that day that I needed to transfer the balance remaining to my other account. 

After I initiated this charge it did not go through so I tried again. 

Below shows what is in my account now with HSBC ending with XXXX The first time I tried was to send {$1800.00} The 2nd time since that did not go through was. 

{$1800.00} Yet when I checked on the status of both transfers it showed up as suspended. 

Yet in my account I went from having a balance of XXXX on XX/XX/2021 to a negative balance : XXXX on XX/XX/2021. 

I had called multiple times on XX/XX/2021 to have this account brought down to 0 and to have it closed and couldn't. The first representative was XXXX. The 2nd was XXXX and when I asked XXXX for a supervisor he put me on hold and the call got disconnected. There is NO money showing transferred into my other checking account with XXXX XXXX XXXX XXXX. 

Copied below is the information I see on the attempted transfers in my HSBC checking account : Tip : You can transfer funds into your account Don't get caught with a low balance. You can easily transfer money into your account from your outside bank. Set it up now. So you are ready when you need it. 

Your accounts at HSBC are unavailable as source or destination account for the transfer as all your accounts at HSBC are currently suspended. Please contact Customer Service at XXXXHSBC ( XXXX ) for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I went to this dealer to try to complete an online purchase. The website made it appear as if the XXXX i was getting would be {$400.00} a month with {$1700.00} down payment. I submitted credit info on the site and was only expecting to see a single credit pull or inquiry. It would not let me complete the purchase online and required me to come in person. For some reason they were nowhere near the payment calculators numbers. It was actually {$8000.00} to {$10000.00} more than what it originally showed. This is price gauging during covid and delta. It is also non proper disclosure of the hard credit pulls. My credit was hard pulled not just once without proper disclosure and under false pretense, but multiple times. This has caused a negative impact to my credit and needs fixed with all 3 credit agencies. I would like a manager to respond in writing and for them to reply once it is fixed off my credit report. I have a XXXX where I can not currently speak on the phone. So please have them reply in writing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: ID

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them requests, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX - XXXX Balance {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: ID

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them requests, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX - XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I received a letter stating that my FHA Mortgage was sold by First Citizens Bank to a third party debt collection agency named XXXX  : Effective XX/XX/2019, which was then sold again to XXXX XXXX XXXX. I did not receive proper notification from either company of the transfer and procedure within the 15 days of the sale. This is Identity theft and I didn't give either one of the companies consent. First Citizens Bank Took a Finance Charge from me in a consumer credit transaction. I've been violated in this consumer contract and I demand answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I applied for the " XXXX '' XXXX XXXX And completed all requirements and then I was supposed to be sent the card to use. NO CARD! There is no way to contact them. Everything is verified and completed and still no card. Please explain to me why I can not get access to a card attached my my account?? Thank you- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation