vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
In early XXXX, I received my monthly statement from XXXX XXXX XXXX with a charge called " XXXX XXXX '' for {$100.00}. I was unfamiliar with the charge. When I contacted the credit union to further inquire, they said that they were unable to identify the vendor and had no phone number. They did have a vendor number, which they XXXX. They said that this vendor number is associated with numerous online complaints of fraud, and recommended that I deny the charge. I agreed and they denied the charge for me. 

On XX/XX/XXXX, I received two letters regarding my XXXX XXXX XXXX XXXX from an organization with the letterhead, " XXXX XXXX ''. The letter had no other identifying information about the name of the business. It said that my automatic payments on my XXXX XXXX XXXX XXXX were being cancelled and that the " payment account relationship '' was being removed from my credit card due to this charge of {$100.00} not being authorized by me. I called the number on the letter and was informed that I needed to pay a {$25.00} late fee and that my account was in suspension. Part of the reason I didn't recognize the charge for {$100.00} was that there was a bill of {$120.00}, but there was a positive balance on my card for about a year for the difference, and so the actual charge was less than the total amount of {$120.00}. 

My questions are of a general nature. Why wasn't the credit card company required to write me a check for the small balance after many months with a positive balance on the books? More importantly, why is a credit card company allowed to submit an ACH with no further identifying information than " XXXX XXXX '' and no phone number or address? Why does the letter itself not identify the company? This behavior either requires consumers to accept at face value any charge, or pay a penalty for trying to figure out whether fraud has taken place. I recommend that CFPA require better identification on all ACH transfers, including a phone number. 

I found out on the call that XXXX XXXX is actually Elan Financial Services, a subsidiary of XXXX Bank that services many banks including Fidelity. Fidelity was unable to advocate for me, although they contract with XXXX to manage their card. The person from XXXX who answered the phone said she was a supervisor and was unable to remove the fee or change the way the charge appears on bank statements. When I asked to speak to her supervisor about the latter issue, she said she does not have a supervisor, and that the only person above her is the CEO, who only has an email relationship with her. I am concerned that organizations such of this have inadequate accountability and lack grievance procedures.

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 2018-04-05 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:
Reach out to Experian Credit Bureau to Verify 3 accounts that is on my credit report and provide me with a copy of the original creditors documentation on file that this information is mine and is correct per FCRA. They have not provide these documentation to me, they also sent me a letter stating the information has been provided by the creditor but I never received the documentation I requested per the FCRA, so these three accounts are still consider unverified and is hindering me and my family from purchasing a home. I attached two certified notification when I sent Experian, also the 3rd letter in the exact words they received the first two letters along with a copy of my state license.

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 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF bank has refused to process or honor dispute requests. I have had several hundreds of dollars loss in a game through XXXX play that loss all my game investment data so I was left with a dispute request after XXXX and the developers failed to resolve the matter. TCF told me they would not dispute the matter because I used my debit card for purchases in which I did not receive and that I would have to handle the dispute directly with the merchant. TCF has also denied a dispute claim from XXXX XXXX in which I was not informed of all the fees associated with joining. The gym failed to honor the 30 day cancellation period I was quoted by on site management and the fees were continuously charged even after trying to cancel with the gym. TCF charged me so hundreds of dollars in fees for insufficient funds and stop payment fees. When I first opened my account I was with a representative that seemed new to the branch because she had to keep asking her manager about how to open my account and so forth. The bank rep was supposed to open my account so that if I did not have funds in the account to cover a transaction they would be reversed and cancelled or not able to go through. This was not the case the overdraft and stop payment fees were never explained to me or honored as when the account was opened and even going into conversations with customer service. I would also like to add that the account originally was mistakenly overdrawn for appx 250 dollars which I had no problem putting back in with some sort of arrangement but now having I believe two to three hundred dollars worth of bank fees is ridiculous. The corporate office has refused to address or respond to letters and phone calls. The bank has failed to honor my dispute right with my accounts also once claiming it was denied because I had tried to continue to resolve the matter after filing my dispute in which the case was that TCF did not initiate or resolve the matter. The dialogues was started prior to the dispute and continued on as the developers of that game ran me around for months trying to resolve the matter. The disputes that have gone unresolved as well as the hundreds of dollars of fees is why I am filing this complaint. I have consulted with counsel and if the bank still does not pose any interests in resolving this matter I will proceed accordingly. This is unlawful and unethical financial actions and behaviors that have caused me undue stress and financial burden ongoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Thanks for help, the thing is i had this credit card from " XXXX XXXX XXXX '' and i paid off and asked to close it long time ago and it was disappeared from my credit report long time ago, from about one week ago i found my credit score went down because the credit card company reported that this card paid full but in late then i found the credit card appeared to be open which is totally odd so i am asking for help please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on a lunch break and went through a drive thru when I found out my card was declined so I checked my online banking and it says access suspended so I called and chase gave very little information. I was stunned this all happened and would like to know why so the problem could be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
According to XXXX XXXX account was opened XX/XX/2016 with XXXX which I have never heard of. The amount showing owed is {$290.00} and is in collections with XXXX XXXX XXXX XXXX. This account is not mines. I have disputed but I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I am being victim of banking fraud for mortgage since XXXX. My house is in foreclosure and I have applied for loan modification. Lender did not want to help us with affordable payment and we decided to exist the house by doing short sale since they told us they stopped sale date only with short sale application. However, they dont even want to help and lied to us about short sale. We have short sale package and offer is pending review. However, they dont want to stop the sale and counter offer with ridiculous. I believe that California Homeowner Bill of Right Effective XX/XX/XXXX, it added for avoiding dual tracking during short sale or review alternative options. All we need to be fair with us for any decision. They dont approve loan modification nor give us options to exist in peace. We are all retired and old and need peace in mind to exist our house. We want to continue the short sale and they must give us time and effort to help not just want to foreclose. We have spent time to explain that we dont want to foreclose because we need to look for another place to rent. With foreclosure record, it would be tough and hard for us to find replacement house due to foreclosure. Please help us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX I received an email stating my funds are available for withdrawal, but the system isn't allowing me to add a bank nor allowing to withdraw to credit card on file. Also system not allowing to withdraw By Check to primary address on file XXXX XXXX XXXX XXXX, XXXX XXXX, florida XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
XXXX XXXX dispute late payment XXXX XXXX XXXX dispute late payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Westlake Services, LLC
State: NY

Complaint narrative:
My car was illegally repossessed by this company. I never received in documentation that I was in danger of car being removed. Once it was removed, company failed to send me and proof of accounting and documentation on how I could pay and get my car. I called and sent letters to get info for car ... NO RESPONSE. I have contacted a lawyer and was informed there was supposed to be documentation sent to me in accordance with repo. I only received a settlement later months after the car was taken. I have also referred this to a FDCPA attorney to file a motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am a victim of identity theft. Citi issued a credit card to a hacker that was using an address that wasn't mine. For 11 months they never contacted me and put the card in default. Only after I became aware of the identity theft and notified my bank and XXXX   did Citi put my home address and personal information on the account and then turned it over to a collection agency. Citi ran my credit report without my authorization on two instances in late 2018 and early 2018. I have asked them to remove these inquiries and they refuse. Then after finding out that the credit card was a fraud, they sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX started collection efforts. 
Never in the year in the life of the fraudulently issued credit card did Citi call, write or try to verify ownership of this fraud account til I notified XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
Higher interest rates than any loan, paid {$1100.00} in interest for a {$300.00} loan. Took {$88.00} from my account every other week from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX financial account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in XXXX XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against XXXX  and Experian. Hope this can help me move on so my family can prequalify for a new home. Thank you

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 2018-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
We accidentally paid XX/XX/XXXX mortgage payment to HomePoint Financial twice due to their holding our check past the due date. Although their response to our previous complaint # XXXX   partially addressed this issue & the escrow portion of the overpayment was returned, HomePoint still owes us {$610.00} which is for the ( unearned ) interest portion of the double payment. In their response to our previous complaint they said no bank proof was provided to show double payment. This statement is not true as proof was provided on XX/XX/XXXX & again in attachment B of complaint XXXX. We have also sent numerous emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Credit Karma, LLC
State: CA

Complaint narrative:
I have an account on XXXX XXXX, which is a free site that monitors your credit ongoing. The last week of XX/XX/2018, I followed some steps on the credit karma website to view more information about whether their suggested credit cards were really a good match for me. 

I don't even remember which cards I looked at, but after I did it, my credit score dropped XXXX points! As if I'd done a hard credit inquiry! 

I went to my email to check if there was anything confirming a hard credit check and there was nothing. Nothing in my finances had changed at all. After inquiring with customer service at XXXX XXXX, I got no answers about whether there was a hard credit check done on my account on XXXX XXXX 's website. I just got bounced around from one rep to the other who only had canned answers. 

XXXX XXXX completely destroyed my credit and ability to obtain a business loan and I can't even get on the phone with someone or talk to anyone who can provide any specific answers about my credit. 

I need help obtaining the assistance from this company as I did not authorize anything be done on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I inherited the property from my brother and the title was transferred/closed in my name. The mortgage payments were {$450.00} per month XXXX XXXX. The taxes, insurance, mortgage was in my name. I paid the mortgage without a problem. The loan was transferred to SPS servicing in my name and I continued making payments. I received a notice that my payments would be increased to {$1300.00} XX/XX/XXXX for increased property taxes. I attempted to work with SPS to resolve this issue and was told I could modify the loan. I begin the modification process, ( paid {$1300.00} XX/XX/XXXX last payment ). Suddenly in the middle of the process SPS refused to communicate with me stating I did not have own the property. All my telephone calls, emails, and a complaint letter went unanswered for months. I hired an attorneyXX/XX/XXXX and SPS would not return his calls. My ownership was never challenged with XXXX XXXX or SPS until I attempted to modify my loan. Meanwhile SPS started foreclosing. My complaint is SPS purposely refused any communication with me from XX/XX/XXXX to now to purposely foreclose on my property. I am a disabled senior living in the property. I need help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX XXXX account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in Late XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against Transunion and XXXX. Hope this can help me move on so my family can prequalify for a new home. Thank you

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 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Rosebud Economic Development Corporation
State: WA

Complaint narrative:
XXXX is not licensed to practice business in the state Washington. Illegal loan interests ( approx 700 % ). I had two loans. 1st {$500.00} and 2nd {$300.00}. I was looking to have my 1st loan with intetest and principal amount refunded because loan was fradulent. I requested {$1500.00}. I contacted the XXXX XXXX loan manager via email several occasions. Beginning XX/XX/XXXX through XX/XX/XXXX. XXXX only refunded {$51.00} from the second loan and paid the loan in full.

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