vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NJ

Complaint narrative:
1 ) On XX/XX/2020 my Skylight Financial debit card account was charged {$45.00} and {$5.00} at a XXXX in XXXX which I did note make. 
2 ) On XX/XX/2020 my Skylight Financial account was charged four consecutive {$5.00} for a total of {$20.00} and labeled ( Debit : Additional Statement Mailing fee ). 
3 ) I have tried to contact the but has refused to refund the money. Instead they have told me, I made the {$45.00} and {$5.00} transactions before I changed my pin number. I changed my pin number after I reported those two transactions ( {$45.00} and {$5.00} ) that I did not make and debit card was missing after checking the transaction on their website.This was the reply : - The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage. 
4 ) Because I shop at that place does not make the transactions legitment!

5 ) Additionally I was charged {$20.00} for them to send me an email which they described ( Debit : Additional mailing fee ).

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 2020-12-21 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: MO

Complaint narrative:
XXXX XXXX is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is 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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have been an american express card holder for decades. I have been making full payments on time al through my history with them. For past few years, the payments are being made via XXXX XXXX  but have had no issues until past few months. This year, I have had two instances where my payments were supposedly received " late '' by one day by American Express. The first time, they reversed the fees and interest charge but this second round they are refusing to refund the interest charged. I have proof of timely delivery of electronic payment from my bank, on the due date, to american express. It was withdrawn from my account two days prior to the due date. American express claims to have received it a day later and charged me interest on the balance and late fee. I have made multiple requests for interest charge refund, American express has not provided any proof of delayed payment receipt. I also find it petty that they are using some possible electronic glitch to leverage it to charge fees and interest rates to customers. How many other customers are being charged interest rates in this manner for payments are that are not " truly '' late?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Assumption process has started in XX/XX/2020, poor customer service with lack of communication, fees for the assumption have been cashed around the end of XXXX with still being told that the loan is being reviewed by underwriting. Unable to get an exact date of when the assumption process will be completed. Have been calling on a weekly basis to only be told that the account is being reviewed. The customer service is unable to answer any question, with blind transferring to other lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX  ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I tried on XX/XX/XXXX to send money from my bank account to a friends bank account in XXXX through Western Union. It was {$4000.00}. The money was taken from my account on XX/XX/XXXX, and I was told that it would be available to my friend by XX/XX/XXXX. When it did not arrive on that date I called and emailed Western Union. I was told that a trace would be put on the transaction and the money would arrive in two days. When it did not arrive I called and emailed again. I was told that the money would arrive in five days. When it did not arrive I requested that my money be returned to my bank account. It is now XX/XX/XXXX and the money neither arrived at my friends account nor was returned to me. Western Union is doing nothing but ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the XXXX  Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted

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 2020-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am on hold with BMO Harris trying to take care of Id theft. Yet again call already over 20 min everything with this bank is harder and slower than need be absolutely all the time NOT 2 min ago they froze my money market for no reason while I filled this out

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 2020-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Suntrust Bank has my correct Bank Account information, but they tried to charge an old account for my automatic payment. They reported the account as 30 days late on my credit report before notifying me that the payment didn't go through. 
They did not communicate with me until after the payment was 30 days late. But, I was setup on automatic payments, so the payment was not late at all. 

This has tanked my credit score right as it's time for me to buy a home.

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 2020-12-21 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: FL

Complaint narrative:
On XX/XX/2020 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 I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I used my car title to secure a loan of {$3000.00} on XXXX XXXX. I have been making monthly payments of $ XXXX {$450.00} since XXXX. Yet this company says I still owe a debt of {$3100.00}. I calculate that as of today XXXX I have paid them over {$8000.00}. 

This company is unconscionable taking advantage of me, with their predator, fraudlent business tactics. I have asked them several times to lower interest rate and settle for different payoff method, they are not willing to arbitrate with me. 

The Lender Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The Payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
onXX/XX/XXXX I noticed 2 charges for XXXX which I did not make. I contacted XXXX and they indicated they were accounts with my credit card attached to it and my shipping address but not my accounts. I received the product ( which I did not order, a toy and a hose ) XXXX advised I can not return because I did not order the items. They told me to file a fraud complaint with Bank of America. I did the same day and they cancelled and reissued my card. Since that time I learned that Bank of America reversed the charges back to me because they had proof of receipt. Of course they did! I have the products, I am holding them but I am UNABLE to return because I did not order them. I refiled it as fraud and have been left with a past due balance since. This is a problem as I have a credit score of XXXX and am in the midst of purchasing a home. I sent a letter on XXXX to Bank of America Fraud dept, again, reiterating that this is FRAUD. I also sent them copies of all orders on mine and my husbands accounts which shows that we did not purchase these items. Both companies, Bank of America and XXXX have not resolved this issue and are leaving my credit at risk.

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 2020-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had to sell my home due to being laid off in order to live off of the equity until I am back on my feet again. The sale went through and I received a check for over {$130000.00} which I deposited at Regions Bank in XXXX, GA on XX/XX/20. The bank immediately froze my account and it remains frozen. According to the banker in the XXXX branch, there are two reasons for this freeze : 1, the account balance at the time of the deposit was $ XXXX, and 2, the size of the deposit. She states she can do nothing until her manager gets back later in the week. Meanwhile, I've missed my first month 's rent in my new apartment. The Regions website and my banker have both told me Regions can not withhold funds for more than 7 business days. We are beyond 7 business days at this point.

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called TransUnion twice today. I explained to the foreigner that I their customer service line would NOT allow me to order my report over the phone. He asked me for my SSN. Then he pointed me to a different website : XXXX Once he did that, I asked " Why are you sending me there, after you just asked for my SSN?! '' I informed him that I know I should be able to call and obtain it, Just Like the 2 other bureau 's!

I hung up, thinking it was not legitimate. I was scared!!! 
I can not retrieve my credit report from TransUnion. It demands that I pay $ XXXX/month. 
There is NO option on Transunion 's website to get my free report! 
They are horrible!

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 2020-12-21 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: MI

Complaint narrative:
I requested in writing through certified mail for Transunion to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX and # XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like Transunion and they said NO they dont. I have this letter attached as proof of Transunion violation and failure to accurately and completely verfy this record with the original furnisher which is the bankruptcy court they have listed on my file. 
They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. I also reached out to XXXX and they have deleted these records off my file in which I have attached proof of it.

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 2020-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX  XXXX/XXXX, XXXX  XXXX/XXXX  XXXX, XXXX/XXXX, XXXX  XXXX  XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the XXXX  Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted

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 2020-12-21 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: NV

Complaint narrative:
On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the equifax Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted

Company response to consumer: Closed with explanation