vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 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: MN

Complaint narrative:
I received a letter dated XX/XX/XXXX from US Bank. The letter begins with " Important information about your US Bank Platinum Visa Card account. It goes on to inform me that my credit limit is being decreased by {$500.00} based on the information that the 'account is currently inactive. ' US Bank 's decision was based on information from XXXX  consumer credit reporting agency. The letter goes on with the usual boilerplate data indicating that US Bank obtained my credit score from XXXX  and US Bank 's credit decision was made using XXXX  's data. '' I DO NOT have a credit card with US Bank! In XX/XX/XXXXI had a mortgage with US Bank which was sold to another lender. I also had a checking account with US Bank that was associated with the mortgage. To make a long story short, the checking account was set up by US Bank specifically for this mortgage ; I did not have to pay any monthly fees because of the associated mortgage, yet each month I was charged a fee and each month a banker would reverse the fee. It turned out that the banker who reversed the monthly fee always used the reason that I was a military widow. Although I am a widow, my spouse was NEVER in the military. I decided that US Bank was unethical in it's practices and wanted nothing to do with them. 

I took the checking account checks as well as the debit card associated with the checking account into the bank and sat there as the banker closed everything. I hate doing any sort of business with these dishonest people so you can appreciate why this upsets me.

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 2020-01-31 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Equifax. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks Us Department Of Edu Inquiry from XX/XX/XXXX + State XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX-XXXX XXXX XXXX Inquiry from XX/XX/XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
So, I tried to get a Police Report for the this Suspicious Activity item on my XXXX XXXX & XXXX. Unfortunately, due to my jurisdiction they're unable to do so, even if that wouldn't help resolve my case no how. What do I owe to Bank of America to not remove this from my report? I didnt received a notification when it was first reported. This situation does not effect Bank Of America.

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 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
They are harrassing me at work and on my cell ph. keeps calling my company and asking for me. Very rude and trys to give them information about my loan to my coworkers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: MA

Complaint narrative:
In XX/XX/XXXX I contacted XXXX  and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX  I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted XXXX  again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXXif it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like Trans Union and XXXX   removed this particular account from my credit report lastly TransUnion is also disregarding a disputed account from Creditor Information XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with XXXX  as well also an account showing closed with acceptance Now for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/XXXX 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 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied credit by XXXX XXXX  because Transunion credit is reporting incorrect information and refuses to send me a credit report where I can refute this information. This happened on XX/XX/2020. They will not provide me a free credit report since I was denied credit through their reporting. They have a XXXX credit card which I have never agreed and list other incorrect information on my credit report and is reporting incorrect information about my XXXX XXXX  credit card reporting.

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2020-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I purchased a sofa from XXXX XXXX and was approved through American First Finance. I was not told that I had a buyout option within 100 days. I found out on XX/XX/XXXX that my balance doubled. I called American First Finance and they told me that I could pay off the balance of {$330.00} instead of the {$880.00}. I called tonight XX/XX/20 and was told that I could not pay the {$330.00} and that I would have to pay the {$880.00}. I am so upset! I work hard and was willing to pay that amount today and could not. This is not fair for hard-working people trying to do the right thing. This is false advertising. They should make every consumer aware of their terms UPFRONT. Now I am being forced to pay double the amount on a sofa. I could've gone to a rental place to pay that ridiculous. I was not expecting this. I feel that they're taking advantage of the consumer. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XXXX XX/XX/2019 I ended my account with PNC Bank. The credit card I had was a prepaid credit card for {$300.00}. I made a payment of {$290.00} as a final payment to close the account. I received a reimbursement check and cashed the check in XX/XX/XXXX around the fourteenth. There were overdraft charges that I challenged because the bank had taken the payment, then returned the payment, then took it again. I have spoken with multiple representatives. The bank has also changed the amount that they claim I owe. It has gone from {$300.00} to {$290.00} and now it is claimed to be {$100.00}. So even the bank can't figure out what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Once again Navient has created false documents. This is my third complaint. I did not agree to a forbearance. Nor my co-signer. They kept rearranging payment documents. Now they say auto pay has been deleted. And another forbearance which wasnt requested wasnt accepted. Yet the so called first forbearance they have yet to send documentation. I havent done anything on this account. Its been charged off. To my knowledge the first phone calls I got I didnt understand the process. Felt rushed to accept a deferment XXXXyears ago. Now this lender not only refuses to get off my credit report. But refuses to do what they said they would do to begin with delete the forbearance. I have stop communication with this company. Due to lack of customer service and solving problem accordingly. Lying continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX, I requested a full and complete audit on my Wells Fargo mortgage account because the monthly mortgage statements I have been receiving and still currently receiving are showing months that payments were paid as not paid. Monies sitting in unapplied funds and not being applied to my account. 

Every month I have been faxing copies of the incorrect mortgage statements along with copies of money orders and checks for payments made, for the months in question. 

A XXXX XXXX was assigned to process my audit, as of today 's current date, Thursday, XX/XX/XXXX, XXXX XXXX has not and refuses to provide any status of my requested XX/XX/XXXX audit. No communication and he provides a deadline that he will have the audit completed and continues to extend the deadline every month since 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 monetary relief
Consumer complaint received 2020-01-31 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Quicken Loans called me numerous times after telling them we are not interested in refinancing and kept harrasing us about refinancing with them. Then got an alert that they ran a hard inquiry on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: MA

Complaint narrative:
In XX/XX/XXXX I contacted Equifax and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted Equifax again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXX if it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like XXXX XXXX and XXXX   removed this particular account from my credit report lastly XXXX is also disregarding a disputed account from Creditor Information XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with Equifax as well also an account showing closed with XXXX XXXX   for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
During the week of XX/XX/2020 through XX/XX/2020 Navy Federal Credit Union charged me {$80.00} in overdraft fees. I was charged too many fees. This happened because when the posting happened Navy Federal did not post in order of when the charges actually happened, they charged the highest dollar amount first, then followed with the lowest dollar amount last, in turn Navy Federal made extra money on overdraft fees. I also made a deposit of {$490.00} on XX/XX/2020 and that deposit was not credited until XX/XX/2020. Because of all these overdraft fees my account became overdrawn because of the overdraft fees and more overdraft fees were added because of the overdraft fees. I will admit I had no idea my account was overdrawn until XX/XX/2020 when the {$490.00} deposit was made. I made an error in my checkbook. I called and requested help and received none. And then I remembered why I did not receive customer service. Navy Federal has placed a flag on my account recently that I was in bankruptcy ( which is 100 % payout ), so now when I call or go inside a branch the teller knows that I have a bankruptcy on file. I have no idea why it is a tellers business or a customer service representative, however when the flag was added I have been treated differently and looked down on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
So I had a chase bank account witch got XXXX down back in XXXX they banned me after someone stole my bank card and took my money Im Ohio XXXX I asked them To return my money they did now they reversed it and apparently I owe them Money they dont want to copper with me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
To Whom it May Concern, After spending more than six months trying to resolve the mistakes with United Wholesale Mortgage ( UWM ) on my VA loan, they refuse to correct their mistakes. My payments are not being applied to my account on the dates received by the mortgage company. Payments are taken out, then reapplied at later dates. Funds are held, misapplied to principle, then removed and incorrectly applied to the monthly payments later than when payments were received. I tried working directly with their customer service line and my records shows numerous calls over six months from payments not properly entered on my loan. I even walked a representative step by step through the payment expectations, yet another mistake was generated. The mismanagement of the escrow payments is terrifying. The mistakes are clearly showing in the payments history on my loan with the numerous corrections made monthly by UWM. 

Example : The payments made in XXXX ( XX/XX/XXXX & XX/XX/XXXX ) should have been applied to the XX/XX/XXXX payment with the excess going to principle. I dont know how to say that differently so UWM can understand? Not only did UWM not do that, it appears that they applied the additional funds towards the XXXX payment, reducing that payment amount. Every time I call they tell me it's corrected and I shouldn't worry. Yet it never gets corrected. 

I've never had a late payment or fees of anytime on this new VA Loan. I've attached the payment history record directly from UWM. You can see the constant corrections being made by UWM monthly.

I can no longer call into UWM customer support, I get a different answer every time. For my protection I have been sending in emails in order to track the records and communications. After seven months with no resolution, I feel an investigation is warranted. Any assistance is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an XXXX XXXX Citi Bank Mastercard. This account is set on autopay and pays the FULL amount off every month. I used the card for some medical bills this month, so knowing i was getting within a XXXX  of my limit, I began paying onto the card as I used it. I paid {$2000.00}, then {$1000.00}, then another {$1000.00}. I am currently several thousand from my limit of {$11000.00} and citbank has decided to lock my account and refuses to allow me to make charges.I have spent over 2 hours on the phone arguing with them over this. I never had any credit card company do this. I hold a credit score above 800, have never had a late payment, and actually have an XXXX card with no limit, but citibank is very argumentative and aggressive towards me when I have tried to resolve this issue. Initially they refused to even tell me why they blocked the account. Then they said it is blocked since I made several payments. XXXX, what the XXXX do they think. If I make several large charges I have to make extra payments. So apparently I am being persecuted for being financially responsible. This is now the third day my account is locked, and I am several thousand away from my limit, with no money due, and no pending charges, and my account is still locked. They are clearly violating fair credit standards in their aggressive actions towards me. 

See attached document that shows : 1. account is prepaid, 2. I have no payment due until XX/XX/2020, a month from now, 3. I am almost 5000 from my credit limit, 4.  Available credit is XXXX proving my account is locked.

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