vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: U.S. BANCORP
State: TX

Complaint narrative:
My husband applied for a Visa XXXX XXXX with US Bank in XXXX of XX/XX/XXXX. The website stated that we would find out instantly, they did not issue it. Over the next two months we called in to verify information. Due to my husbands work schedule this was very hard as they have super limited hours with wait times that extended 30 or more minutes each time. I had to wait on hold and catch him in between meetings since they would not tell me what needed verification. We were told to reapply so we did and it noted we had another application. We changed our income amount and the application processed but was held up by them thinking our email address was odd. I explained we have our own email server and custom accounts. I asked if anything else needed verification and the agent said no. Fast forward to the first week in XX/XX/2021, we get our cards, activated them and for our first use they were rejected for being invalid. I called and was transferred through 4 different departments and was on hold for over an hour. At that time I was told we had to submit copies of our drivers license and social security card. That until we did that our account was closed and could not be reopened. I asked why since we are debt free, have credit cards that have been open for over 20 years and never had to provide this before. The agent was very rude and refused to provide any information. 

We decided dining rewards were not worth dealing with a completely incompetent bank. We hope they fix their systems so others do not feeling like they are criminals trying to open a credit card.

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 2021-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Reliant Capital Solutions, LLC
State: WV

Complaint narrative:
Borrowed {$8400.00} to go to college. 
XXXX  XXXX. 
Paid Student Loan in good standing {$120.00} a month from XXXX. 
XXXX  XXXX XXXX XXXX job in XXXX during the downsizing. 
Assumed that loan was in deferment. 
It was not. 
Several failed jobs for 2 years_company doors shuttered in my face without paying me. 
Sold everything. Moved to XXXX. Got 2nd hand car. Got job at a XXXX XXXX XXXX in XXXX. 
Lived in the employee dormitory at the XXXX XXXX XXXX. 
Got full time at XXXX XXXX XXXX, 3 years later. 

VOLUNTARILY picked back up Student Loan Payments. 
Was told by a Representative of the Dept of Ed., that if I made 12 straight monthly payments of {$120.00} a month that my Student Loan would come out of default. 
It did not. 
I paid {$120.00} a month from XXXX - XXXX and the loan never came out of default.

Economy Crash. 
Lost great job in XXXX XXXX. 
Bankruptcy XXXX. 
Lived at an  XXXXXXXX XXXX where I got a roof over my head & food, a little pocket money for 10 years. 

Now my Social Security is being garnished when I became eligible to collect it. 

I paid approximately {$8600.00} on the Student Loan from XXXX when it was in good standing. I can not contact the Dept of Ed directly to get an exact amount. 

I paid $ XXXX in VOLUNTARY PAYMENTS + Tax Refund offsets from XXXX. ( I have the print outs ). 
TOTAL OF {$23000.00} paid for borrowing {$8400.00}. 

Enough is enough. They still want $ XXXX more dollars. I can't contact the Dept of Ed directly_only the Collection Agency.

I feel like this loan is paid 2.5 times over and they still come after me. I have {$750.00} a month to live on after their garnishment.

My credit score went back up recently & I know that wouldn't happen IF I STILL OWED THE GOV.

The Govornment has crashed the economy twice in 20 years and now the PANDEMIC. 
They give out free PPP  money_BILLIONS OF DOLLARS in loans that don't have to be paid back by businesses that could have weathered this storm with their own resources instead of draining the Treasury of tax payer funds. 
Yet_they garnish my only source of income & I have to live on {$750.00} a month. 
I've paid them {$23000.00} for an {$8400.00} loan & they won't relent. 
There is something basically wrong here. 

Legal Aid told me I had to pay it or die whichever comes first. 
I told them that I think it is paid 2.5 times over. 
They dont agree. They say pay it or die. 
What is wrong with this country? 

Its not like I borrowed {$100000.00} for a vanity degree & reniged on payment because I work at XXXX XXXX. 
I HAVE PAID A LOT OF MONEY FOR AN {$8400.00} LOAN ALREADY. 
IT'S A MORAL ISSUE. 

Any help appreciated. 

Companies involved> Dept of Education Reliant Capitol Solutions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank purchased BBVA and on XX/XX/XXXX stopped all access to accounts via email to accomplish the cutover by mid next week. From XX/XX/XXXX to XX/XX/XXXX I had no visibility of my accounts. I made numerous phone calls and visited the branch bank where I could at least get some info. Only by accident on XXXX XXXX, while checking my account did I see visibility of what was in each account. No email or phone call telling me it was fixed. With out my checking myself I would have never know it was fixed. It is unheard of for a major bank to XXXX up a conversion this bad. They admitted in a phone conversation that they had attempted to do the conversion with in house IT people, FIRST MISTAKE. 
SECOND MISTAKE, not providing an apology or compensation to affected customers for their screw-up. I have since removed most of my money and am contemplating closing the remaining three accounts. So far a terrible bank to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am a victim of ID theft, an unknown person opened a Chime Bank account using my personal information. I have notified Chime bank several times this is fraud. Every time I call for an update they can't tell me if this account is closed as fraud, when I ask for this to be closed as fraud they refuse. It is like talking to a robot, they just repeat their script they were given. They are not solving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have had a Citi bank credit card for over 10 years. The use if the credit card is in good standing. The card expires XX/XX/2021 and when I called today they informed that the card will not be renewed and it is closed. Im currently buying a house and closing this account will affect my credit negative and it will prevent me from buying the house. I contacted Citi and they say that it was due to company 's policies. I want Citi to keep my credit card open and the card to be renewed, Im not delinquent and It is not fair that they damage my credit report. If they do not fix this I will make this public.

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 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, XXXX says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 reached out to both XXXX and experian multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with experian and showing XX/XX/2017 with XXXX. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.

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 2021-11-05 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: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/29 I opened a dispute claim for several charges on my account that we're not mind their policy is 90 days and if they do not hear from the consumer and 90 days that the money automatically gets refunded back to me they have not heard from the consumer it's been well over 90 days and they're still not giving me an answer their solution was to escalate they said the turn time is three business days it's way past the three business days they filed another escalation I've waited another three business days every time I call it's the same story over and over again they are not getting me my money back they are not giving me answers they're not giving me anybody I can talk to I also open another dispute for airline tickets that I paid for that I never received they denied the claim and gave me no explanation as to why it was denied I am owed almost {$6000.00} here I am sick and tired of the games they don't even speak English it's another country that I'm calling and they have no solutions for me no explanations other than they are sorry they will escalate I keep getting told the same thing over and overnight

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to both eqifax and XXXX multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with XXXX and showing XX/XX/2017 with eqifax. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
NOTE : ADDENDUM TO CASE # XXXX Re : Addressing the mishandling and suspected unfair, coercive, and deceptive practices of Bank of America in violation of consumer protection.

In addition to my original complaint explanation, the following is to be included. 
A final response from Bank of America occurred in late XXXX which to date CFPB was unaware of when I contacted them. The Bank representative stated that she was calling to inform me ( 4 months later ) that my late fee would not be refunded because your statement was mailed to your address and she repeated my address to me to validate her claim! This was the 5th Bank employee that read the scripted response AND each one telling me that the way to prevent this from happening was to receive online statements. I know I never received the statement and I told each person I didnt and that I dont want online statements. This was the common theme from Bank of America ... .online statements. 
I restate that I have never been late with a payment. My credit history speaks for itself. I paid the balance immediately over the phone. I never received a statement. And it is obviously a red flag that a one time courtesy was not offered! Since my original filing with CFPB, Bank of America has sent out an email to its clients warningin essence that the US mail system could greatly affect banking transactions. The defensive approach by the bank is personally apparent regarding my complaint and smacks loudly of coercion. 
Now : I offer below photos of deliveries and mail I received at my address in the past four weeks that were delivered to the wrong address. Four pieces of mail there were not mine, a sympathy vase of flowers for some grieving family, a meal order that was someone elses dinner, and to top off all the mail/package delivery errors ... a packed-in-ice case of my husbands XXXX  that was delivered two streets away! 
For Bank of America to stand haughtily in the way of what is fair and right claiming because they mailed the statement and i therefore received it, is something that needs further investigation to determine whether there is a pattern of enticing consumers to enroll in online statements.

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 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
This company has repeatedly reported inaccurate and false information on my credit file, and each time its deleted and and then placed back on with a different amount. Im really not sure what kind of game this company is playing but Ive had it up to here. I DO NOT OWE XXXX  ANYTHING. I have informed YOU THIS NUMEROUS TIMES. Again, this is not my debt remove it immediately. Im keep being harassed by being called by several different numbers a day by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
About three days ago, I was contacted by a seemingly old woman about keeping in touch with her and receiving a check in compensation. I foolishly deposited this check, without knowing it was fraudulent and then the check was refunded, taking XXXX dollars of overdrawn fees out of my account and leaving me broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They have called me every single day including some weekends. Every day multiple different numbers, I block them and they still use other numbers. I've spoken to them about my situation and they told me " we will keep calling everyday until you pay ''. 
They have called me around XXXX even called me around XXXX at night. Every single day I get more than one phone call. I also get mail every week. They only just picked up this debt a couple of months ago. The dead is nearly 2 years old. I've spoken to multiple representatives about my situation and that it's just not something I can do at this time or I would have already. From what I know the companies name is Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I have written this company several times and have been ignored. Last attempt was on XXXX XXXX certified mail. They reported this account # XXXX to XXXX and I don't even know you. I know you're a collection company and when you buy debt from the original company the debt is already PAID. I know they're paying XXXX to keep this on my credit which I already spoken to attorney about this and they advised me to take this route and if nothing happened then I can hire his team. I don't recall giving XXXX XXXX XXXX XXXX to have my health records to be release to a third party. I need you to send me Validation of Debt and HIPPA AUTHORIZATION, please provide me a breakdown of fees including any collection cost and medical charges, Provide me a copy of my signature that I have agreement with WakeField and Associates. Provide a copy of my signature with the provider of service to release my medical information to you. I am asking for last time to delete this from XXXX credit report. Can you also provide me with Agreement with your client that grants you the authority to collect on this alleged debt. I need verification that this debt was assigned or sold to a collector. I asking one more time to send my a signed contract with WakeField and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Was not notified of investigation status or results
Company: T.S. Holdings
State: GA

Complaint narrative:
I am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I deposited a check from my employer ( which is a local and reoccurring check ) in the amount of XXXX dollars and they have since made XXXX dollars available. I have spoken with the manager at chase Bank where I deposited the check and he was rude and reassured me that he would break the law and make sure my check was not deposited I have spent over 11 hrs on the phone on hold trying to get through to the hold department at chase Bank. I am currently on hold as I type this complaint. Today is the XXXX of XXXX I have XXXX XXXX dollar late fees from my credit cards over this and a late rent payment. I already worked for this money I shouldn't have to work for it again my time is not worth nothing I could have made this whole amount over again that instead was wasted on trying to get what I already earned plus the XXXX dollars in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Personal identity was stolen and was used to make credit transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation