vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: Credit Control, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX, Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a XXXX  credit card account with a credit limit of {$4500.00}. XXXX closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, Credit Control collection Agency, a Agency hired by XXXX XXXX XXXX made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. Credit Control was hired my XXXX XXXX XXXX to collect the debt. After the settlement was made Credit Control and XXXX XXXX XXXX refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt.

I was deceived by Credit Control and XXXX XXXX XXXX to collect the debt. I am requesting that XXXX XXXX XXXX either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to XXXX XXXX XXXX and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, 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 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
NC State Employees Credit Union closed my checking account after I was a victim of identity theft. They then reported to XXXX XXXX XXXX therefore I can not open a bank account with any other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: U.S. BANCORP
State: OH

Complaint narrative:
I have recently been made aware of an item on my report that has caused several instances of inconvenience and denial of financial services. I was completely unaware of this issue until just recently when i tried to cash a check and was denied at several places. 
I have attached documents showing the report in question. I am not claiming fraud, as the account listed was mine, and was closed by me with the understanding that the account was closed and all was fine. 
The report on my social security number is listed as ACCOUNT ABUSE. What in the world does that mean? I had a account, i closed the account. I never received any notice of any outstanding debt from U.S. bank, or even a collection agency for that matter. If i would have, I would have paid whatever was owed. 
This mark on my report is very unnerving to 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 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: IL

Complaint narrative:
THIS ACCOUNT WAS REMOVED FROM MY XXXX  FILED BECAUSE I SHOWED THEM THIS ACCOUNT WAS NOT MINE. NOW IT IS SHOWING UP UNDER ANOTHER COMPANIES NAME. I HAVE ALREADY TAKEN CARE OF THIS. THE AMOUNT IS $ XXXX OPENED RECENTLY.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Never received any letter from this company about a supposed debt I owed. Sent a letter and disputed with CRA 's with all details about why this account does not match any of my accounts. Proof of letter sent with attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: AZ

Complaint narrative:
I CONTACTED XXXX XXXX XXXX ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO XXXX XXXX XXXX AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO XXXX XXXX  OR XXXX XXXX XXXX. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I received a letter from Experian showing that they were unable to honor my request because I did not provide them sufficient information. However, I sent them all the supporting documents that are required in order to submit a dispute. According to the response from the last complaint I submitted, they asked for verification of my identity to To process my dispute. I am exasperated because I have tried to resolve this on many occasions, and it is apparent that they are neglecting my request. The account, XXXX XXXX XXXX, is being negatively reported and STILL contains miss leading information. Attached are the documents that I sent them which include my current proof of address and identification.

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 2021-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX is my second language. I have a friend entering this information for me. 

I cosigned two student loans with Citizens Bank in XX/XX/XXXX. I cosigned one loan in the amount of {$2900.00} for my sister XXXX XXXX and cosigned another loan in the amount of {$11000.00} for my sister XXXX XXXX. XXXX is a XXXX XXXX XXXX for fall & spring semester. My understanding was that both loans had no payment due. 
In XXXX I got a call from Citizens Bank stating I would soon be 90 days past due on the account for XXXX. I never received any bills, calls or notices for this student loan being due. 
I called XXXX on XX/XX/XXXX with help from a friend, XXXX XXXX - we spoke with XXXX at XXXX XXXX XXXX about why that loan was in repayment. We were told that when we filled out the loan paperwork at Citizens Bank - a box was checked stating I wanted to make payments right away on XXXX 's loan and a box was checked to defer on XXXX 's loan. Also XXXX XXXX stated that email communication was checked on the application therefore all payment notices were sent to student 's email even if the loan was co-signed for. The Citizen Representative filled out these forms for us and this was an obvious mistake. 
This was new information to me. XXXX is a XXXX XXXX XXXX beginning a 4 year program. She was in school full time from XX/XX/XXXX and is enrolled full time for the spring semester XXXX. 
We called back again to XXXX XXXX and spoke with a XXXX. We described what we had learned and he said we needed to fill out a School Verification form proving that she had been full time, then take it to the school XXXX XXXX XXXX and they would complete it, then forward it to XXXX XXXX proving she was a XXXX XXXX XXXX. Once that was completed they would reverse the late charge reporting. 
XXXX sent us the form XX/XX/XXXX and it was filled out by the school on XX/XX/XXXX and sent to XXXX XXXX. 
Today XXXX we checked with XXXX to see if the lates charges were removed. They were not removed. We called XXXX XXXX today and spoke with XXXX. He said they had received the school verification form from XXXX BUT he stated very clearly that the reporting can not be reversed even though a mistake was made at the Citizen 's branch. 
My credit score with these two late payments has dropped my credit score 90 points and I am trying to reduce my housing payment by {$300.00} through a refinance and now can not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
The company unfairly changed the terms of my credit card during the COVID pandemic. I have been making perfect on-time payments and have been a long time customer of Chase. I have a XXXX XXXX in the XXXX. I received a notice that the terms of my credit card was changed and it involved an increase in penalty APR ( i.e. for late payments ). I feel this is price gouging during the COVID pandemic when many people are financially strained. Shame on Chase for attempting to price gouge! According to the call center supervisor and email, I have the right to reject these changes. However, rejecting these changes will force me to close the account which is not an option with a current balance. I am not happy with this change and I am speaking up on behalf of myself and other people who are subjected to these unfair terms and price gouging. The change of terms for my credit card was received on XX/XX/2021 by email. 

I feel the timing of the change in credit card terms that involve increase fees is inappropriate and unethical considering the current COVID pandemic. I feel this is price gauging. 

I filed a XXXX  complaint but Chase responded that it has the right to change the terms. I was not happy with this response as it felt like price gauging with disregard to the COVID pandemic. I notified Chase that I will proceed with a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2021 I linked my mothers bank to my chime account because she was going to send me XXXX dollars. Her bank sent two deposits as a security measure, one for XXXX cents and the other for XXXX cents, they were both successful. After the security clearance passed, she sent me the XXXX dollars and chime denied the transaction, still confused why, they allegedly returned the money to her account, I was notified that it would take 1-3 business days. Since, Ive spoken with numerous operators and theyve just notified me to wait longer. Today XX/XX/2021, I asked to speak with a supervisor, and he let me know that the money should have been back instantly and that at this point there was nothing I could do. I never gave information about the Chime account to anyone and the small transactions were completed successfully, even returned successfully immediately, but the XXXX dollars disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Complete Credit Solutions, Inc.
State: AZ

Complaint narrative:
I CONTACTED COMPLETE CREDIT SOLUTIONS ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO COM CRED SOL AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO PROTECT AMERICA OR COMPLETE CREDIT SOLUTIONS. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
1. I am not receiving interest charged by XXXX XXXX  master card from merchant-initiated refunds in the amounts of {$100.00} and {$490.00}. ( explanations for refunds explained in complaint ) 2. My second concern is that my interest remains the same albeit that I am paying double the monthly payment! 
Both above listed refunds were refunded due to charge errors to my credit card from merchants. I reached out to XXXX XXXX  XX/XX/XXXX and was informed that I was not entitled to an " interest refund '' whether the refund was from a charge or return error. I made a complaint against this company XX/XX/XXXX due to its failure to recover funds from an illegal and unauthorized transaction. For this reason, I decided to work with XXXX and XXXX to recover funds that were posted to my account in error. XXXX account has two cards on file and the debit card that I used did not go through because the system used my delivery addresss zip code. I caught it immediately and corrected the error with the agent but not until the system charged the XXXX  XXXX  credit card thus, I had to wait for a refund. XXXX  XXXX  did not have authorization to charge my card and it took me to make a complaint with XXXX XXXX to get my funds back! 

My second concern is that my interest charges do not seem to change. I inquired about my interests amount and was given a rate 3.35 % ; Variable 21.99 % and XXXX I guess it means APR. I asked the agent several times to slow down and explain what was going on, uncertain if she knew. I inquired again if I could have my interest rate lowered and was told there were no promotions at this time. I went on to question How can the company feign to provide COVID-19 relief payment assistance and not offer the means to lower interest rates for the customer to continue to make payments? It appears to be ALL A RUSE! 

Attached you will see that the interest rates charged monthly do not change. On my XX/XX/XXXX statement the available credit was listed as {$570.00} and the payment due was {$170.00}. XX/XX/XXXX reflects a credit in the amount of {$490.00}, INCREASING THE AVAILABLE CREDIT TO {$1000.00} and yet the payment amount does not change! You can also see this in the increased payment amounts ( agent will excuse the cut and paste attachment for this card company has not provided online earlier statements for several years ) for example a payment of {$450.00} posted on XX/XX/XXXX reflected an interest difference from a {$200.00} made the prior month of {$0.00}! 
I have been with this company since the early XXXX and the number amount of monies applied have always affected the payment amount due to change from either higher to lower! It is as if no one is monitoring the system!

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: NJ

Complaint narrative:
Does Chicago Title have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX  YES or NO If Chicago Title does have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please send me a copy of the title policy via the CFPB website so we can conclude our involvement with the CFPB and move on. 

If Chicago Title does not have a title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please let me know so I can take corrective measures. 

The matter will be resolved once I receive a copy of the aforementioned title policy until I receive a copy of the title policy or get advised that there never was a title policy the matter will remain open. I have had more than enough and now need to escalate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally bank locked my account for 3 months and didnot restored it. Been trying customer phone line which is always waiting after holding for all days. They dont support anycalls

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 2021-02-04 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: FL

Complaint narrative:
Experian has not tried to fix the issue regarding my report. They have tried to delay the process as much as possible. I have provided them with the documents asked now they say its still not me so now i have taken it a set further and added the last 2 credit reports along with my ID and social security card. I have also mailed them light bills. 

Now i have the Credit Report from there website Now i have the Florida Issued ID Now I have MY social Security Card Now I have provide my consent to review my report All in this complaint, lets see what the issue is now. I have provided the things asked can you please remove the items off my report. I have added the https : //www.ftc.gov/sites/default/files/documents/reports/section-611e-fair-credit-reporting-act-federal-trade-commission-program-referring-consumer/p044807fcracmpt.pdf. I have attached the 611 statueTo the documents attached just in case we are not clear on the law. Everything has been provided to you can you please remove the items ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a checking and savings account with Huntington National Bank with a nominal amount. they sent me my debit card and allowed me to order and pay for new checks, This week I deposited a {$16000.00} partial Cashiers check, it was part of inheritance, and took {$3200.00} cash back. Within 24 hrs they put a hold on my account while waiting for the check to clear. Since then they disabled my accounts and said they are closing them and I have no access to my funds until next Monday. This has created a serious problem for me as I have no access to my money which they already have. I was given no notice and was just locked out of my account and now I'm left trying to find another bank with no money. I was given no notice, they just arbitrarily said they were closing my accounts and denying me access to my funds. In addition to this I'm now out money I spent to order checks. I cant believe they could just decide to do this and hold onto my money as well. no notice, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial. The Account Opened is BMW Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
this company constantly call me every day from a different number regarding this debt. this debt. if i blocked them from one number they call me from another number this very annoying i am XXXX years old. this leinholder that sold me car is known by the XXXX XXXX as a SCAM!! for the XXXXwo or three years i had this car i paid this lienholder a total of {$25000.00} on XXXX XXXX XXXX i still owe a balance of {$10000.00}. the person belittle me because of this loan. i have health conditions one told he did not care. so i believe this lienholder have gone out of business. This company will call in the middle of the night as silent phone call.

Company response to consumer: Closed with explanation