vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I signed up for the AMEX Blue Business Card in XX/XX/XXXX. There was 0 % Promotional APR for 12 months. I made a purchase of {$2000.00} in XX/XX/XXXX. In XXXX XXXXXXXX, one of my payments somehow did not go through. I called AMEX customer service to find out what happened. It was a website use error. I paid my card promptly over the phone and ask that they refund the late fee. They refunded the fee ( {$35.00} ). I paid promptly for every month since then. What I was not informed about was that the company had started to levy a penalty APR 29.99 % for 12 months since XX/XX/XXXX. The customer service agent I spoke to did not inform me of that, and I continue to pay my monthly installments thinking that my APR was 0 % till XX/XX/XXXX, and I was paying down my principal balance. Now in XX/XX/XXXX, I only found out that this was not the case, and for the last 8 months, I was paying 29.99 % monthly interest instead of the advertised 0 % APR. This is misleading advertising and should not be allowed to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
on XXXX XXXX the bank charged my account two times which was not authorized by me and alleged sent to my gas company no r was it sent to my gas company in XXXX they charged my account two times as mortgage payment which was already paid my a mortgage payment i did not authorize the double payment they did the same for XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX we paid off our citi card credit card balance with the amount of {$1800.00}. We made purchases on XXXX and XXXX to XXXX XXXX XXXX, XXXX, XXXX that totaled {$2100.00}. 

On XX/XX/XXXX XXXX XXXX  XXXX made {$13000.00} of fraudulent charges on my credit card. It was and still is a nightmare getting these charges removed from my card. There was an investigation opened in XXXX of XXXX. 

I have called monthly to get these charges taken off and they still can not get the amount correct. I owed them {$2100.00}. They have made me keep paying monthly payments and have still not resolved this issue. They are telling me there must be a " glitch '' in their system for crediting all of these charges. The last statement I recieved on XX/XX/XXXX states that I still owe {$2100.00}. This is still not correct. 

The amount I should owe citi card is {$2100.00} less all of the month payment I have made since XXXX of XXXX ( {$1100.00} ). I should not have been charged anything past XX/XX/XXXX. I also do not believe they were supposed to making me pay monthly payment on this account while it was under investigation. The amount I should owe Citi Card to date is {$1000.00}.

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 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX- I sent my money into a savings acct. They essentially " SELL '' credit reporting. I tried calling several times to ask about cancelling, sent messages, etc, and then notified them that I wanted to cancel -- -- they do not respond, they never answer the phone, they never return messages or call back. A month later, I stopped the autopay. They reported me XXXX days late -- and I told them " I cancelled ''. So they said " we have no record '' and I said " you don't even acknowledge or respond '' So now I have a closed account, XXXX days late, on my equifax and XXXX. I really think self/lead bank need to be shut down- because they are selling credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: OH

Complaint narrative:
I have asked for Transunion to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX # XXXX XXXX  Account # : XXXX JXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.

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 2022-08-14 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: HI

Complaint narrative:
I have several inquiries on my XXXX and equifax and XXXX  report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: HI

Complaint narrative:
I have several inquiries on my XXXX and XXXX and experian report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.

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 2022-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: SC

Complaint narrative:
Certified Mail # : XXXX  XXXX Discover had discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. Discover has provided the reasons for discrimination against me which includes my credit score. Based on Discover 's policies and the Consumer Reporting Agency my credit score is insufficient to deny my credit approval. Im extending my credit to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: OH

Complaint narrative:
I have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX  # XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: OH

Complaint narrative:
I have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXXXXXX XXXX  # XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.

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 2022-08-14 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: IL

Complaint narrative:
Equifax has violated my privacy rights, resulting in inaccuracies being reported on my consumer report. I contacted Equifax and spoke with representatives in effort to resolve issue and have these errors corrected by removal to no avail. Said representatives refused to acknowledge my demand of removal, even with proof by their admittance of a breach in their policy regarding personal data sharing. Instead of meeting my consumer needs of removals, there were additional disputes, inaccuracies and remarks added to my consumer report without my consent, which is further violation of my consumer rights by federal law. I have attached my response letter as well as supporting documentation regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: MO

Complaint narrative:
i reported fraud and was told i had 10 days to return the filing paperwork, i did not recieve the paperwork until after the 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14 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: GA

Complaint narrative:
1. XXXX XXXX XXXX REPORTING 3 TRADELINES AS NEGATIVE TOTALING PPROX {$5000.00} ( SEE ATTACHED XXXX  XXXX DISCHARGE ) 2. US DEPARTMENT OF EDUCATION XXXXREPORTING 6 TRADELINES AS NEGATIVE TOTALING APPROX {$48000.00} ALL ACCOUNTS WERE INCLUDED IN 2015  BANKRUPTCY AND DEBT DISCHARGED 1099C FILED 3. XXXX XXXX 1099C FILED NO MORE COLLECTION 4. XXXX XXXX XXXX HAS THE ASSET, FILED 1099C NO MORE COLLECTION AND HAS BEEN REPORTING DUPLICATES AND AGGRESSIVELY. nO WRITTEN CONSENT. ( SEE ATTACHED 1099c ) REMEDY : REMOVE ALL VIOLATION FEE {$1000.00} EACH TOTALING {$11000.00} BANCRUPTCIES ID XXXX FILE WAS DISMISSED REMEDY : REMOVE VIOLATION FEE : {$1000.00} HARD INQUIRIES : THE FOLLOWING DID NOT EXTEND CREDIT DUE TO INACCURATE REPORTING OF VARIOUS DATA FURNISHERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remedy : Remove all inquiries VIOLATION FEE {$1000.00} EACH TOTALING {$18000.00} ( also includes duplicate. 
corporations inquiries ) Personal Information ( SEE ATTACHED ) 33 INCORRECT/INCOMPLETE DATA Remedy : Remove all inquiries VIOLATION FEE {$1000.00} EACH TOTALING {$33000.00} ( also includes duplicate entries )

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 2022-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Faxed modification XXXX and XXXX see proff and faxed again XXXX now a sale? for XXXX paperwork has been in before date!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: UPGRADE, INC.
State: TX

Complaint narrative:
Here is a summary of my interactions with the company Upgrade over the past month. 
XXXX. UPGRADE INC : XX/XX/XXXX, email sent to Upgrade : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with upgrade while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these Upgrade visa cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved Upgrade visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with Upgrade : I called upgrade Inc on the above date with a request to close the accounts and tag them as fraudulent. Upgrade Inc XXXX Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, XXXX XXXX email received by XXXX Bank XXXX XXXX XXXX for Upgrade Inc stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, UPGRADE INC, is reporting this new account to the credit bureaus. 

XXXX. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX DC XXXX XXXX past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank Card that you haven't use for XXXX  months or more. Please let us know right away if this wasn't you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: GA

Complaint narrative:
In XXXX of XXXX, I changed my mortgage insurance from XXXX to XXXX and was issued an escrow refund. I called my mortgage lender SWBC and asked what I needed to do so that when I mailed to escrow refund to SWBC it would be applied to my escrow and not as a mortgage payment. I was told to include a note on the check. I asked for the person taking the call to make a note on my account that this additional money was to be applied to escrow and the person I spoke with agreed to note it on my account. I put a note on the check and sent it in to SWBC. 
SWBC applied the money as an additional mortgage payment causing my escrow account to come up short and now SWBC is demanding {$4300.00} in repayment. I called SWBC XXXX times. Each time I asked them to go back into my account and apply the money I sent as it was supposed to be applied and correct any accounting on my account. They refuse. They want to move money here and there and allow me to skip a few payments but pay off the escrow. I want the accounting corrected and straight so that later on my account is in tack as it should be. SWBC continues to ignore me and play with my money. I need help asap, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist bank took over our loan. During this process, we had to submit insurance information. 
We did so. Our insurance was canceled on us and we got new coverage. 
There was a 3-day lapse in the old coverage ending and the new one starting.| Truist sent us a bill for around {$17.00} to cover the 3 day lapse. We paid it. 

At the same time, we received letters to submit our insurance. We did so promptly. 
They stated if we don't submit the documents in 3 months we would have an escrow account opened on our mortgage. We submitted everything on time. 

Over the last 2-3 months I have been charged {$140.00} additional for an escrow account. 

I have called over 3 times and waited on the phone for at least 2 hours each time. I have been told to submit a form, which I never got. On the second call, I was told that I have insurance and I don't need the escrow account. And a request was put in to remove it. 
On the 3rd call, I was told I shouldn't need an escrow account and I would have it closed with the escrow total sent in the form of a check. I was also told my loan doesn't need a form to cancel the escrow. 

Now I have received a letter, that they are unable to comply with my request to remove the escrow account. 

This is taking a large chunk out of our savings. We have full coverage on the house. And they are charging us for nothing. I can't pay my mortgage without also paying the escrow charge. 
This is going to add up to an extra {$51000.00} over the next 30 years not counting compounding interest.

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 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
While I was at work on XX/XX/XXXX in XXXX XXXXXXXX, someone used my Chime debit card at a XXXX XXXX XXXX in XXXX, OK. I shut my card down and filed a dispute once Chime would let me, which is when the transaction clears. It was for {$120.00} & it cleared & posted on XX/XX/XXXX. My physical card was always with me and I have never given out my card info or account info to anyone. Chime denied my dispute. I obtained proof from my work, a letter from my supervisor and a copy of my time sheet, that show I was clocked in and at work in XXXX XXXXXXXX when the fraudulent transaction was initiated ( XX/XX/XXXX ). 
Chime denied my claim again. So then I filed a police report with the XXXX, Oklahoma police dept ( city I live in ) & I called Chime back & provided the Case # from my local police dept. 
My dispute claim was denied yet again by Chime. I want to formally complain about their fraud protection services & dispute process and how unhelpful they have been in working to help me get back my funds when they were obviously stolen from me. I still need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: MD

Complaint narrative:
What caused me to get behind on my mortgage payments was you HOME POINT FINANCIAL never allowed me to make or would receive my trail payments, see attachment dated : XX/XX/2020, and BLOCKED me from any online access even to this date. 

I dont get it I am a US Veteran of the XXXX XXXX, XXXX XXXX XXXX XXXX ) Honorably Discharge with XXXX, married with XXXX children ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ) to care for. My income is stable I am more than capable of making my mortgage payments. 

I am resubmitting another Mortgage Assistance Application and compelled to file a Complaint to Consumer Financial Protection Bureau and/or to the Veteran Affairs on my VA mortgage loan to resolve this matter with all my correspondences that you ignored in order to reconcile your error of an approved loan modification. 

DO YOU TREAT ALL U.S. VETERANS THIS WAY?

Company response to consumer: Closed with explanation