vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: DC

Complaint narrative:
Between the months of XX/XX/2021, I experienced undue overdraft fees from US Bank , and mismanagement of my account since it's inception on XX/XX/2021. When I made the initial deposit of XXXX, I then XX/XX/XXXXthat money to a friend. Instead of US Bank posting as a credit than a debit, they posted it the transaction in reverse. On XX/XX/2021, I reached out to US Bank in regards to 2 overdraft fees that were caused by an inaccurate account of my money. I XX/XX/XXXXXXXX out of my account and back into the account. The ATM read the accurate amount, I then withdraw XXXX. Somehow there was a miscalculation, 2 other transactions posted the account while the XXXX being returned wasn't calculated on the back end. Those 2 transactions caused overdrafts and US Bank didn't want to refund them, they did refund. Currently, we have a situation where I gave access to my phone to my ex husband, while been in the hospital, and he made some unauthorized transactions. In addition, to bad deposits in to my account. As soon as I had knowledge of this, post op, I reached out to US Bank discovering that Risk Dept. Recommended my account closure and instructed me to reach out to any branch manager to reopen new accounts. I also reviewed my account for unauthorized transactions and filed claims on them. They sent me a card to withdraw the MONEY REQUESTING that only ANY branch Manager can remove the hold for me to do so. On XX/XX/XXXX th I called an spoke to the branch manager at the XXXX XXXX XXXX, XXXX, he educated me that I was misinformed and that the back office had control of this. At this point they are prohibiting me access to funds that are mine.

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 2021-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Closed on my home in XXXX. Prior to closing I was advised I needed to purchase flood insurance. I called around for prices, FEMA policy was almost XXXX dollars. I was not going to purchase my home due to this amount. I found cheaper flood insurance through a private flood carrier. Closed on the home. In XXXX of XXXX I completed a streamline refinance, everything went well no changes except my APR. fast forward to approx a month ago I receive a letter from my mortgage company advising my current flood policy is not acceptable and I will need to find NFIP insurance ( FEMA ) prior to XX/XX/XXXX or I will have forced insurance selected by the mortgage company. After back and forth with plenty of supervisors and reps the end result was this is an FHA requirement and it was an error that should have been found at my initial closing, each year after and at the refinance. This error by everyone involved will cost be more yearly and monthly as the policy is a XXXX XXXX more. I have received conflicting information from each representative I spoke with. Every time I speak to someone I receive a different answer as to why I received this letter. 
I want a email documented as to how this policy was acceptable since the purchase of my home in XXXX and all the way to XXXX. There was no change to FHA requirements recently which explains why a MANAGER advised me this was an error on everyone who was involved. Which I want emailed to me and have yet to receive.

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 2021-09-07 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: DISCOVER BANK
State: NY

Complaint narrative:
Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I XXXX XXXX never gave Discover FIN SVCS any written consent to report late payments on my consumer report. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover FIN SVCS Account # XXXX I was never late, 30, days in XX/XX/2019. 
Im not sure how this happened, I have always made my payments on time when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I applied for an {$830.00} credit for purchase of a gaming console, and I was immediately declined. I have outstanding credit so this didn't make any sense to me. They did run my credit, and I received an inquiry, but they said it was declined because " APPLICANT 'S IDENTITY CAN NOT BE VERIFIED '', yet after checking with XXXX, which they used, I confirmed that the same info on the application is what was reported on my XXXX credit report. I immediately called Citizens One Bank, and they suggested I try again. It came back exactly the same. I had the rep file an appeal, and when I called back a few days later, there was still no response. I call back again a few days after that, and they again said they would appeal it. Today I called once again, and now they said they couldn't approve it because they could not verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Stated In 15 USC 1666d you are to pay the positive amount thats on the credit balance to the consumer ( Me ) the exact amount that your trying to unlawfully collect from me in my JPMCB credit card. Under the FDCPA you are invading my privacy by sharing negative information to the 3 bureaus. Under 15 USC 1692b ( 2 ) you are sharing this " debt '' information to other people thats not the consumer yet again another violation. YET AGAIN your trying to pull my report from the bureaus BECAUSE I want my credit limit higher which it states under 15 USC 1681a ( d ) ( 1 ) a consumer report is given orally and written so IM DEMANDING YOU to put my credit limit higher since im the original creditor so im extending you my credit so you can give me it back to my accepted credit card. I made this report a week ago and you sent XXXX to answer to me, she's done nothing and has not called me and when I try to call her it goes straight to voicemail. I find that to very useless find somebody else to do the right thing these matters will get worse if I dont get my remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: MS

Complaint narrative:
I have had my Popular Bank XXXX card since XX/XX/XXXX ( XX/XX/XXXX ). They charge an annual fee of {$59.00}. Recently, I was charged an annual fee of {$59.00} on XX/XX/XXXX ( XX/XX/XXXX ). I called in to cancel the card within 30 days to have the fee waived as I am undergoing hardships due to the coronavirus pandemic. The card was cancelled XX/XX/XXXX ( XX/XX/XXXX ). They said they'd have the fee refunded but never did and now I am being charged late fees for not paying the annual fee. I have spoken to no less than 3 agents since the first customer service agent and they all refuse to have my annual fee and the resulting fees waived. My cancellation number is XXXX Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am not appreciating the fact they you guys restricted me access to review and submit disputes online. This is a major inconvenience to me as a customer. I should have the same access to all of the benefits and features that comes with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CITIBANK, N.A.
State: MI

Complaint narrative:
There hard credit inquiries that I have not made showing up on my credit report. From the following lenders : XXXX XXXX XXXX  XXXX  CBNATH And also incorrect names showing up on my report for a XXXX XXXX. 

I have tried to get ahold of the lenders but I can not get ahold of any human representative only voice answering machines.

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 2021-09-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX BUREA-Date of Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE. NUMEROUS TIMES I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE. NUMEROUS TIMES I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY 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 explanation
Consumer complaint received 2021-09-07 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XX/XX/XXXX called my elderly father asking questions about me and tried to get my address from him. 

Daily multiple calls to my cell phone. This debt is from XXXX and very old. 

Pandemic and Ive lost everything. I will never fully recover financially from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
FCRA Violations; Not mine; Names, Addresses, and Accounts:

I XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Account name
XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened XXXX

Account name XXXX XXXX
Account number
XXXX
Account type
Cell Phone
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never Late:

Account name
XXXX XXXX
Account number
XXXX
Account type
Credit card
Responsibility
Individual
Date opened
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
During the pandemic starting in the beginning of XXXX, I was so behind on bills. My employment suffered which made things not better. I also caught XXXX XXXX as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance

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 2021-09-07 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 have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: MO

Complaint narrative:
I applied for and received a payday loan on XX/XX/XXXX for {$300.00}. I was then offered the opportunity to apply for an installment loan and did so on XX/XX/XXXX. The terms I was given for the installment loan seemed predatory so I did not accept and sign for it. 

I soon discovered that I was unable to refinance the payday loan when offered. I received two emails on Friday XXXX and a text message on Tuesday XXXX with offers to refinance online but there was no banner available on the website. I suspected this had something to do with the installment loan application. 

I called to reschedule the payment for the payday loan. It was due XX/XX/XXXX and while I could have paid on that date it was easier to reschedule for later. I also withdrew the installment application. Lo and behold, the refinance banner appeared when the installment loan application disappeared!

This may well be some website weirdness, but it does seem predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Control, LLC
State: IL

Complaint narrative:
Specifically on XX/XX/27 and on XXXX, but the secretaries report that Credit Control rudely tried to contact me throughout the summer even when I was not at school. Credit Control called both my XXXX XXXX XXXX and XXXX XXXX. A woman by the name of XXXX XXXX, in particular ( XXXX ) was giving both secretaries a hard time about trying to reach me even though I am an XXXX XXXX and can not receive personal calls of this nature.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank reports to XXXX as 16 months late, they say that it is charged off, but they report monthly as late. I would like to resolve this account and settle this debt which is Paypal Credit. However Synchrony does not want to deal with me as they tell me that they have charged off my account. They told me to call XXXX ( XXXX.XXXX ), which I did. have a settlement offer attached. However XXXX tells me that they do not report to credit bureaux, only Synchrony Bank does. I want to make monthly payments until the settlement is paid in full ( {$680.00} out of {$1300.00} ) while showing that I make payments as agreed. Synchrony told me that they will continue reporting to the credit bureaux with additional late reports instead of writing that payment is made monthly as agreed, which will further damage my credit. When I told Synchrony Bank that I would file a complaint because this is not fair reporting, they tell me : Go ahead.

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 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Capital
State: WI

Complaint narrative:
Several times today XXXX members of Direct Capital have call me from different numbers and texted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
A company named Monarch Recovery called my place of employment, this a number I never give out as I work as an XXXX in a XXXX XXXX XXXX XXXX. They asked for the last four numbers of my social security, which I did unfortunately share with them. They stated that I have a large debt of about {$34000.00} from a hospital called XXXX XXXX. I live in Texas and have never been to XXXX, FL. The person apoligized to me and hung up. I then tried to recall and another person tried to ask me the same questions, but when I asked how they accessed my phone number the person hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I tested positive for XXXX the end of XXXX and it caused a lot of medical issues for me, and I could not work. I was receiving STD through my employer for 6 months, but that ended the beginning of XXXX. I am no longer employed because my employer did not provide accommodations for me to return part time or from home. I am unable to work full time still because I am still dealing with debilitating medical conditions. My insurance through my employer ended in XXXX. I explained to Mariner Finance that I am not on STD anymore and I am not receiving unemployment or XXXX yet. I an still waiting to hear back. I called and explained this to Mariner Finance and they were very rude to me and did not work with me. They said I need to fill the XXXX form out, but I am not longer on STD nor do I have insurance. It is not my fault that this pandemic happened and I got sick. AND it is also not my fault that I am unable to work. I do not appreciate being treated this way. I feel very discriminated against.

Company response to consumer: Closed with explanation