vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
I recently made a payment on time before the XX/XX/XXXX to XXXX  from commercebank, all online and from the phone app. 

I logged in today on the XX/XX/XXXX, after checking my accounts yesterday and the day prior with no errors, and on the XX/XX/XXXX noticed that I had not only been charged a returned check fee on XXXX  but also had an overdraft fee on commercebank. 

I had already moved enough funds over from my other accounts to bring all accounts positive from -XXXX by moving {$2.00} over to the account to cover the balance. 


According to statements on the XX/XX/XXXX, it shows that I made this cover after the returned item occurred, but that would show at least three days after the initial payment was made and an additional time from when these additional charges took place on the XX/XX/XXXX. I believe with what was occurring with XXXX XXXX, this may have had something to do with this transaction error, but usually XXXX  takes about $ 2 days to pull from my account after I establish it prior to the payment due date. 

I've not had any issues up to this point and it can be noted on the XXXX ledgers and even the commercebank ledgers since the credit card was opened with XXXX. 

I've requested that the error be corrected by the bank because I'm losing out of {$60.00} and this would damage not only credit score, but disqualify me from this homeownership program I'm working through that requires us to maintain sound accounting with finances ( to which I definitely have a record of doing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: PA

Complaint narrative:
I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX  XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it

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 2020-02-22 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: NJ

Complaint narrative:
Please refer to complaint # XXXX-XXXX. It was corrected all of 10 ten days ago and they have XXXX  IT UP AGAIN!!! TransUnion is the only one of the three agencies that I continuously have this problem with. There has to be repercussions that are imposed on them or they will continue to XXXX with peoples lives.

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 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recieved calls from XXXX XXXX XXXX. USAA. XX/XX/XXXX I waited 56 mins XXXX ID XXXX Attempted Collect on FDIC ID THEFT case # XXXX. USAA WAS MADE AWARE OF ID THEFT XXXX see. attatched Fraud Claim Letter XX/XX/XXXX Unauthorized Charges {$470.00} on card XXXX. See attatched CRIMINAL INVESTIGATION POSTAL SERVICE Letter XX/XX/XXXX. ( UNAUTHORIZED TRANSACTIONS are ID THEFT. AND ITEMS NOT DELIVERED are ID THEFT ) FTC Guidelines ID THEFT COLLECTION IS UNLAWFUL. USAA does Not folliw FTC guidelines. Then XXXX came on line to harrass telling me I just did not want to pay my debt. CHECK MY PAYMENT HISTORY SINCE XXXX. USAA NEVER RESOLVES FRAUD THEN COLLECTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was a fraudulent charge on my Citibank credit card for {$2600.00} on XX/XX/2019 and I called the company to dispute it. I finally received a letter in the mail saying my dispute has been closed and they are not going to reimburse me. Supposedly the card that was used at the store had a EMV chip and since I told them that I was in possession of my card that entire day, they are not considering it fraud. But they are wrong and they did an inadequate investigation. When I called yesterday to complain and ask what the next step is, the customer service lady told me to open up a police report. When I went to the police station they told me this is incorrect. I can not file a police report unless my card was physically stolen from me. So I am at a loss and not sure the next steps. I can not afford to pay for a {$2600.00} charge that I did not make. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: College Ave Student Loan Servicing, LLC
State: PA

Complaint narrative:
College Avenue student loans calls me multiple times a day trying to collect money from me for my birthday exs loan that I co-signed years ago but we are no longer together. I never received any bills or paperwork from them. I dont even know how much the bill is for. Ive asked them to not call me at work, but they repeatedly call everyday. I just want them to stop.

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 2020-02-22 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: FL

Complaint narrative:
THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.

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 2020-02-22 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: PA

Complaint narrative:
I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX  XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: PA

Complaint narrative:
I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX   XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it

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 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.

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 2020-02-22 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: FL

Complaint narrative:
THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I found out Chase decided to close my account with no explanation. My credit cards were cancelled immediately with no notice. I called and went to a branch in person to no avail as no one was able to give me a reason why my account was closed. Now Im scrambling to get all my finances in order when Ive done nothing wrong. Ive never missed a payment, nor did I ever have high balances on any of my cards. Ive never had any issues with Chase and Ive enjoyed banking with Chase during the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XX/XX/XXXX mortgage sold to Specialized Loan Servicing XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX coupon arrived stated {$0.00} due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX.

XX/XX/XXXX started getting harrassing phone calls for missing XX/XX/XXXX Payment.

XX/XX/XXXX spoke to XXXX, he saw i was up to date on payments, saw payments went into Escrow account, which i did not have set up, but that is why i was showing no payment and getting late fees. opened tickets resolved XX/XX/XXXX.

XXXX realized no coupon arrived called XXXX, saw same problem money in Escrow account, but i was up to date with payments. opened another ticket.my account was flagged as being delinquent and my credit score taking bad hits. another late charge XX/XX/XXXX asked for Supv as 3 times before never called back. XXXX called saw agent errors their part need to research. She saw a lot of documentation and needed to read would call back on XX/XX/XXXX XX/XX/XXXX no call back from XXXX, i called and still no call backs No coupon received to this date for payment due XX/XX/XXXX and was " mailed '' on XX/XX/XXXX. They are a Debt Collector and delibertly trying to get my account to default and blame me when they messed up the account from day 1 but telling the system to put my payments into escrow and not towards my payments. They are totally trying to destroy my credit and charge extra fees just to make a profit. They do not care to fix the problem they started but want to take over your home.

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 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service  or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: NJ

Complaint narrative:
Method of Verification On multiple occasions I requested verification from the bureaus to which they have responded with verified ( attachment ). I have now requested for Method of Verification ( attachments ) which I am entitled to according to the FAIR CREDIT REPORTING ACT, paragraph 7 section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here

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 2020-02-22 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: NY

Complaint narrative:
I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here

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 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I signed up for a 10 % promo offer for cash back on my next XXXX purchase. I then used that card to purchase a {$100.00} XXXX gift card, under the impression that the promo offer would apply to that order. Instead, the 10 % was applied to a coffee for {$2.00} two days later. I called Chase twice to ask for a credit in the amount of {$9.00} ( the difference in reward values between the two purchases ). Not only where they unable to credit my account, but they were unable to offer an explanation, or allow me to escalate the issue/submit feedback. Very odd, and feeling somewhat slighted. I know it's an inconsequential amount of money, and I've already wasted more time on this than I care to admit, but I feel compelled to voice my complaint. Chase should be better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
citi denied to explain to me in detatails why my account was closed i feel discurimation here because I have a XXXX  last name

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 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX  or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service  or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief