vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I play XXXX XXXX in a different country for 8 months out of the year and while I was away my account was getting charged by a stock savings app called " XXXX '' and it over drafted my account pretty badly by the time I realized it was to late the bank had closed my account and sent it to collections. Once I came back to the states I handled it and paid the account off immediately. Now US bank has sent my account mishap to XXXX XXXX and they say it is " account abuse '', but this is not the case what so ever if anything it would be an overdraft account that's all plus it is paid off in full. Being in XXXX XXXX is ruining my life now because I am trying to get my business going and I can not because no banks will allow me to open up a bank account with them, once they review XXXX XXXX   and see the account abuse, they send me out of the door. Please help 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 2020-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
In XXXX I believe that Sallie Mae mad an error and duplicated my principle on my student loan. I have not been able to resolve and all they do is place in forberance and charge fees and accrued interest and my loan has gone from $ XXXX to $ XXXX. Most of the forbearance has not been authorized by me. They just do it. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I'm trying to apply for a business loan and cant connect my bank account to the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I have contacted MoneyLion many times to update their system and address disputes with XXXX. They have provided a letter addressing this but XXXX will not ACKNOWLEDGE the letter, therefore the dispute continues to come back as " REMAINS ''. 

I am demanding that MoneyLion, account # XXXX update their system to current or Never Late so that disputes are updated. 

I have contacted MoneyLion MANY TIMES asking them to provide accurate payment history to XXXX. This is my 5th dispute with this matter. 

I AM BEYOND FRUSTRATED!!!! 

This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 

According to the Fair Reporting Act " Accurate Reporting If  inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. 

I will continue to report this company with the consumer finance division until my consumer rights are protected. 

Again, correct and remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: MI

Complaint narrative:
Under hard inquiries, XXXX  is still on my equifax report.This hard inquiry is fraud and unauthorized.I have disputed this several times and demand it be removed.I have produced evidence as well.Legal action will take place if this hard inquiry is not removed and my credit score doesnt increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB must have the US Government require Credit Bureaus, e.g. Experian, to have MANDATORY EMAILs that allow Consumers to CONTACT SUPERVISORY personnel in these Agencies AT THE HIGHEST { DECISION MAKING } LEVEL }!! IF one CALLS, you get LOW-LEVEL PHONE BANK non-assistance! IF TRANSFERRED to a " Supervisor '' they are NO BETTER!. PROBLEMS : 1. Experian send consumers " Credit Card Offers '' who, then in turn, FILE A HARD CREDIT HIT with >>NO APPROVAL<< EVEN WITH " EXCEPTIONAL '' { Experians words NOT mine! } CREDIT! LOWERING One 's CREDIT SCORE! 2. Experian provides " GUIDANCE '' on Building Scores and FAILS TO USE IT ACCORDINGLY! Example : " Consumer is to use MORE Revolving Credit to show Credit worthiness, BUT, WHEN YOU DO, they " WARN '' you TOO MUCH INCREASE " RUINS SCORES ''!!! Example : I use my XXXX XXXX Card because THEY RECOMMEND IT FOR FRAUD PROTECTION! { CREDIT vs. DEBIT Cards!  } THEN -- I PAY IT OFF, ENTIRELY, EACH MONTH, THAT DAMAGES ONE 's CREDIT ALSO!! WHY PAYOFF? Because there is a CREDIT LIMIT on CARDS and one has to do the ABOVE to do ANTI-FRAUD Protection USAGE and STILL be able to SHOP once AGAIN. 3. ISSUES, such as 1. and 2. ABOVE then become IRRESOLVABLE because of Experian " POLICY!! YOU CAN '' T WIN!! I am trying to build a 800 Credit Score to REFI my HOME while RATES are DOWN. EVERYTHING Experian has DONE TO ME or RECOMMEND I DO has LOWERED MY SCORE! THE US GOVERNMENT HAS TO STEP IN!!! Experian SIMPLY WILL NOT CORRECT IT's CONTACT OPTIONS in 21st Century. WHY! One can only SURMISE because It's " BIG US, little YOU '' attitude and they DONT WANT to CHANGE or CORRECT the ABOVE ... On their OWN!!

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 2020-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase of {$23.00} from Homedepot/ Citi credit card, in XX/XX/XXXX and Paid in full on XX/XX/20. I am still getting notices of late payment fees on late fees. Now they want {$100.00} for nothing. They put the account for collection in XXXX without any notice and I did not get first payment statement due to Covid-19. I called many times to resolve the problem.Their phone system is robot and Reps. have bad attitude. I cancelled the account still I am getting e-mails and mails. They created this problem just for {$23.00} which is already Paid.

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 2020-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I submitted this complaint before, you submitted it to HSBC who reviewed it and said basically " It could take up to six months - good luck ''. They did not provide proof of when or who to my account balance was submitted. If this is the extent of action you can take then honestly don't see the point of your agency. The law regulating delinquent accounts was intended to clear up old accounts of people who had died or were truly unreachable. Financial institutions are either grossly misunderstanding the law or deliberately abusing it. If you haven't viewed an account in over a year they will send one letter, which may appear to be spam or simply missed, and then close your account and give the money to the state. A few repeated emails or phone calls or several letters would reach 99 % of people. 
I would expect you agency to take some action such as review how many similar complaints were at each bank and look into whether they actually submitted the money to abandoned property. 

original complaint : HSBC gave the remaining money in my account to abandoned property in Connecticut on XX/XX/XXXX. I have checked CT abandoned property and their is no record as of XX/XX/XXXX. I did not receive any prior notice by mail, email or phone call even though I've had the same address since XXXX. I had been receiving email notices up until XX/XX/XXXX saying that a new account statement was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My EDD funds were not transferred in full to my checking account as published in BofA 's " California EDD Debit Card for Unemployment and Liability Benefits. '' Through numerous website attempts and phone calls, I was told there was a limit on transferred funds of $ XXXX and a 7-day period waiting period before another transfer could be done. I could access these funds through going to the bank in person but I am at risk for Covid and have tried to minimize going out in the community. Representatives seemed confused about what policy was in place and why it had been changed as well as the difficulty in logging in to my account. I was transferred at times to someone else to help and within 2 rings was disconnected through the last rep was helpful and stayed on the line with me until the transfer was complete.

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 2020-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I'm trying to link my PNC account to XXXX XXXX account to transfer funds, and it seems that PNC is not allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: LA

Complaint narrative:
What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Transunion, XXXX, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.

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 2020-06-27 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: LA

Complaint narrative:
What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.

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 2020-06-27 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: LA

Complaint narrative:
What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, Equifax, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
RE : 21st Mortgage Co..denying forbearance request!! 

I have been requesting a 90 day forbearance/extension based on the CARES ACT and 21st mortgage has consistently denied it. 
I started started the request in XXXX when I used my last of savings and they told me i had to be behind in my payments in order to obtain the forbearance. So in XXXX, now that my payment is late they are still saying they aren't giving relief and arent apart of the CARES ACT and I need to bring the mortgage current or they will foreclose if it gets behind by a total of three months. XXXX!!! 
I filled out loss mitigation paperwork, as requested, but still they deny. Other friends simply called their mortgage companies and got immediate approval for 90 day forbearance and was offered an additional extension. 
What do i do?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchased a cruise with XXXX using my American Express Platinum card, with payments in XXXX and XXXX XXXX, for a cruise that was supposed to occur on XX/XX/XXXX. On XX/XX/XXXX, XXXX publicly announced that all cruises for the rest of XXXX, all of XXXX, and all of XXXX will be cancelled. In that announcement, they also said that they would automatically take the amounts paid and convert it to future cruise credits without the cardholders consent. These were obviously not the terms when the cruise payments were made to the American Express card. Per the Fair Credit Billing Act, I submitted disputes to American Express for the payments made, requesting refunds based on the cruise line cancelling the cruise ( as opposed to the cardholder cancelling ) and the fact that I obviously didn't receive the services that were supposed to occur earlier this month. I have spoken with numerous representatives at American Express over the last nine weeks, they've had me send the same documentation numerous times ( I wonder if they're even reading the information I've sent ), and they seem to be greatly confused by the facts. ( Example : In early XXXX, XXXX XXXX response to American Express included the written statement that " the Card holder reservation is active and is due to sail on XX/XX/XXXX ''. XXXX stated that some five weeks AFTER our cruise was publicly cancelled, and I had to respond to American Express in writing to correct the fact that the cruise was indeed cancelled five weeks earlier. At that point, given the misrepresentations of the cruise line, the disputes should have been immediately closed and ruled in my favor as the cardholder. ) American Express is dragging anchor on these disputes, and I just send additional documentation this morning based on a new request ( having to repeat information I've reviewed previously with them ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my Bank of America Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he Bank of America and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.

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 2020-06-27 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: WA

Complaint narrative:
These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I am not able to link my bank account to Robinhood to be allowed to add funds to my Robinhood account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: LA

Complaint narrative:
this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Credit report showing Best Buy account as delinquent. Account is PIF {$1200.00}. This is FTC Violation.

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 2020-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.

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 2020-06-27 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: WA

Complaint narrative:
These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX XXXX XXXX and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX Cap One Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 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: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX  XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my SLS mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX  XXXX XXXX and SLS mortgages were paid off in XXXX on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.

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