vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I notice that {$28.00} was missing out of my checking acct ending in XXXX. My bank 53rXXXX and I decided to close this acct and start a new checking acct ending in # XXXX. My new acct was compromised about two weeks later for {$14.00}. 53rd dispute dept awarded me both transaction disputes, even though was still upset and baffled about how was someone able to steal my identity. 

My XXXX  check for {$1000.00} was deposited on XX/XX/XXXX. On this date I made authorized payments to XXXX  for {$280.00}, XXXX XXXX, XXXX XXXX {$63.00}, XXXX  XXXX XXXX XXXX {$46.00}, XXXX XXXX, and XXXX for {$910.00}. In all these places, I paid via phone payment by customer service representative by XX/XX/XXXX and XX/XX/XXXX. Every transaction was successful. 

On XX/XX/XXXX, I was informed by 53rd they are no longer going to be my bank and they are closing my account for good. I asked them why and they said, its in the best interest of the bank and this is a decision from the bank. They told me they were going to hold my money but I told them that was illegal and ai would notify XXXX. They told me shortly after to head to the bank and speak to representative in there. 

I went to XXXX and XXXX XXXX building. The teller told me that they are giving me all my money from my check. He called corporate and spoke back n forth repetitively with them. He kept asking me how much is my check for. I responded several times, {$1000.00} from XXXX. The teller gave me {$1400.00} bucks. I asked what was this for, but the teller just was saying this is how much you have nonchalantly. So that was a surprise to see more money than usual. 

Around mid XXXX, I received numerous calls from XXXX, XXXX, XXXX XXXX etc. I was told by all these creditors that my XXXX payments were returned. I stated to them all that I paid my bill in XXXX and will get verification that I paid from my former bank. I went into 53rd and retrieve acct summary for XXXX and XXXX. I noticed right away all the returned charges done by 53rd. No teller had an explanation, so I called in. I explained the situation and was angry that they made sure to return all my payments behind by back. This caused me to owe creditors late payments and interests. Apparently, the money I thought extra was the returned payment money done on behalf of the bank. The total of all returned payments were {$630.00}. This is higher that the {$490.00} dollars given to me extra, Also, 53rd knew when they gave me the extra money with my check what their motives were. Their motives was to hurt me financially along with the thief, by stealing my extra funds fictitiously. I was signed up to 53rd ID Alert for $ XXXX monthly and wasnt aware that the thief also changed my address with the bank to their address of XXXX XXXX XXXX XXXX   XXXX, IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, my name XXXX XXXX. I've been battling to have a XXXX collection off my file for some months now with XXXX XXXX, XXXX  and Experian. I'm unsure what's going on with XXXX  because after I send out letter to ask for proof of signatures of documents. They totally ignore me afterwards. XXXX  I'm unsure, looks like they've removed the account but Experian still has it on file also and they have failed to respond to my dispute with verification of proof. I just want this account remove immediately since it's been well over 90 days as you'll see from documents I upload. 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 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
Beyond Finance Inc. has breached our debt settlement agreement withholding my money from XX/XX/2019 - XXXX XXXX in the amount of XXXX, not providing me proper services, information, documents, and broken settlements. Beyond Finance failed to comply with FDCPA and Rosenthal Act. I'm in more financial debt and credit  damage due to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Synovus Bank
State: AR

Complaint narrative:
XXXX  IS A RIP OFF! CLOSE MY ACCOUNT AND FINISH DISPUTE UNDER FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
My insurance paid off the wrecked car and they still are reporting late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NM

Complaint narrative:
I have called Equifax and XXXX  numerous times over the past 6 months regarding inquiries that were on my credit report that weren't recognized. I was told by both credit bureaus that I needed to call each and every company that had pulled my credit. I did. Upon calling I was told that they didn't have any information on file with my name or SS #. I called Equifax and XXXX  back. I then was told I needed to add fraud alert on my report and go to the police station and file a report. I added the fraud alert, I took days off to try and file a police report and was told at the police office that they are unable to file a report of such. I'm very frustrated and annoyed that I keep getting the runaround and not getting any help. XXXX  was able to help me and I had NO ISSUES with them at all. I was then told last week to contact the FTC and or Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I recently started selling used books on XXXX, using Paypal for transactions. After selling five ( 5 ) books, I checked on my Paypal account and saw that I was no longer allowed to use it. I have been an account user for several years - always paid on time - no problem. 
Paypal representative told me that they were holding funds for 180 days and that was that. I asked why - they could not disclose why?? I wondered was it a change in email account - do I need to put cash into another Paypal account??? No explanation - the representative said " it doesn't matter how many times you call, or who you talk to, they are not disclosing an explanation. I had to change links I had - XXXX, XXXX, etc. 
As of today, my account reads - '' We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''. 
I was a new seller and if I did something wrong, why can't they explain and I would correct it! A clear explanation is what I want so the action can be corrected.

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been a costco customer for close to two decades. I never had a problem with XXXX XXXX costco card. Then in XXXX visa took over and what a mess it created. for more than a year they did not issue the new card, did not have customer service and kept lying about that XXXX XXXX would not give the customers ' files to Visa. I was reading the Federal Reserve and OCC articles violations & fining Citi bank over XXXX XXXX  since XXXX. This is the bank that got one of the largest bailout XXXX XXXX during the XXXX financial crises. That was our tax money at works. They spent most of it on re buying their shares and paying high bonuses to the same executives who caused the crisis. 
I lost my job in XXXX and applied for unemployment benefits and finally was approved in XXXX. Like millions of other people I thought I would get paid all together for 16 weeks.It did not happen, only one week. PA PUA owes me 15 weeks and my congressman and state senator have been working on my behalf. But so far I have not seen any money. 
CitiBank Visa knows about my situation because I have been very upfront with every lender to which I owe.Now as I talked to them months ago, I had a verbal promise that I paid the principal the late fees and interests would be waived. Since XXXX I have been true to my side and I think I should be able to pay the debt in two payments maybe three. If I get the stimulus check I will pay right out one shot. after making large payment as I promised now they are playing this second graders game : " OH, we tried the system doses not allow us '' .I want CitiBank to do the right thong as promised. 
well I spoke to a staff attorney in Pennsylvania Attorney General Office of Consumer Protection who advised to file this complaint first.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute a billing error in the amount of [ {$1400.00} ] on my account. The amount is inaccurate because [ XXXX XXXX  has been overbilling me for XXXX Fees for 18 months ]. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of [ my requests for them to correct the balance due and apply the {$1300.00} of payments made towards my account which was {$1200.00} ) supporting my position. Please investigate this matter and correct the billing error as soon as possible. I contacted XXXX regarding the {$11.00} fee charged to my account on a monthly basis and they informed me that XXXX XXXX  was overcharging me intentionally to prevent my principal amount of {$1200.00} from being decreased. None of my payments of {$1300.00} are applied and my balance is {$1400.00} as of this date. I think this is Consumer fraud and XXXX XXXX  is using derogatory credit methods to get me to pay them in excess of what I have already made. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX  IS A RIP OFF! CLOSE MY ACCOUNT AND FINISH DISPUTE UNDER FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I just refinance my mortgage with The Money Source via XXXX XXXX. Now that the loan came though i tried to go online to the money source and got a warning this site in secure do not share any financial information ... This company is putting every one of their borrowers in danger ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Starting back in XXXX : Midland Funding was calling me anywhere from 3 to 7 times per day trying to collect a debt I knew nothing about. They would call and ask for one name then call back and ask for another, then call again and ask for me by first name only. I had tried calling them and spoke to a woman that said she had nothing with my name through there company. and then again, phones calls were persistent for the next 3 years. I gave up answering and they never left a message. I only knew it to be Midland because I would call and ask who they were. All they would say is it was XXXX XXXX XXXX  was the original creditor. I never knew to have an account with XXXX 's XXXX   except for when XXXX XXXX XXXX XXXX had their XXXX XXXX XXXX through them ( to which that was paid with my IRS Refund ). 
As of XXXX, I stopped receiving calls because I had paid my phone service provider to have Elicit/Spam/Etc callers blocked. Yet for the last 2 years, approximately 4 times a year, I get a random bills in the mail, which I just tossed in the mail. To which I have provided them documentation that the debt was paid. I also filed disputes with all 3 credit reporting agencies that I am not responsible for this account, unknown collection. Midland only ever sent notices no proof of debt. 
How do I stop this? Do I need to hire a lawyer? If so, how do I get assistance to do so?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Money transfer transaction was made on XX/XX/2020 morning Pacific Time and was supposed to be in the recipient 's bank the on XXXX XXXX per receipt and confirmation of the transaction. The money was not made available up to the filing of this complaint ( today 's date is XXXX XXXX ). I have checked with Western union on the 2nd day and was told that it will be on the recipient 's bank on the following day but to no avail, checked again on the 3rd day and said that it will be in the following day bu again to no avail. Today, I spoke to them again and was told that the money will be available in the recipient 's bank on Monday, XX/XX/XXXX. If that money I sent is for emergency purposes, the recipient could have been dead by now because of the bad processes that WU is having. Promises here and promises there, giving wrong information and misleading the consumer to the real problem of the transaction. It is maddening that this happens because whatever money sent to a loved one outside the US has a very important purpose. Besides, these are hard earned money. WU can not explain to me what was the cause of the delay they made it hard for me as a consumer to get a resolution to the problem by passing me on from one agent to another, from one specialist to another, and in between calls that they put me on hold, they suddenly cut the line which causes me more to be upset and frustrated. I want to claim damages on this particular complaint. They should not cause this kind of problem to their consumers. I want to escalate this to the legal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I'm being inappropriately being denied Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) ( passed under The Consolidated Appropriations Act, 2018 ) by Fed Loan Servicing and the Department of Education. I have had years of miscommunication regarding the original Public Service Loan Forgiveness program and found that that I qualify under the TEPSLF I requested that Fed Loan Servicing conduct a
payment audit in XXXX XXXX to document my payment history and received that documentation outlining all payments.

I received official documentation from Fed Loan Servicing in XXXX XXXX that acknowledged that I needed seven more payments to qualify for the TEPSLF, therefore I made payments ( some credits earned during Covid forbearance ) and received credit and reapplied to the TEPSLF in XX/XX/XXXX after meeting the requirements previously stated to me in writing by Fed Loan Servicing in XXXX XXXX and today the Department of Education sent me an email stating that in XXXX there were 12 months of payments that were made while my account was in forbearance and because it was in forbearance those payments will not count. I don't recall putting my accounts in a year forbearance, I think this was done in error by the servicer because why would I continue to make payments on an account that was in forbearance. Also Fed Loan servicing did an audit of my payment history and communicated that seven more qualifying payments were needed. I satisfied that requirement as outlined in the XXXX XXXX Fed Loan Servicing Letter and the loans should now qualify under the TEPSLF. I received a new official letter today ( XXXX XXXX, XXXX ) stating that I need eight more payments. I have NO confidence in any information I receive from Fed Loan Servicing because last year ( XXXX XXXX ) they said I need seven more payments, I made those payments and now ten months later they say I need eight more payments. They keep moving the finish line ; this is unfair and deceptive practice and serving mismanagement and incompetency at best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have a FHA loan through Penny Mac. I orally requested for 180 day forebearance plan under the Government Cares Act, and before the initial 180 days expired, I orally requested for an additional 180 days. My initial 180 days allegedly expired on XX/XX/XXXX. I received an unscrupulous and unlawful XX/XX/XXXX letter from Penny Mac titled, " Notice Of Default And Intent To Accelerate ''. The letter reads as follows, " This letter is a formal demand to pay {$8600.00}. '' " And Penny Mac may invoke any remedies provided for in the Note and Security instrument, including but not limited to the foreclosure sale of the property. '' " This letter is formal notice by Penny Mac Loan Services, LLC that you are in default under the terms of the documents creating and securing your loan. '' " The loan is due for  XX/XX/XXXX and subsequent payments, plus late charges, and/or any escrow balances, fees and cost. '' " As of today, the total delinquency and reinstatement amount is {$8600.00}. '' My FHA mortgage is under the forebearance plan, and it's unlawful under the Federal Cares Act to receive a default letter from PennyMac, while I'm under the forebearance plan. I'm not required to pay any mortgage payments, late fees, or penalties during my forebearance period. Lastly, I have an audio recorded conversation with Penny Mac 's representative, stating that Penny Mac have honored my second 180 days forebearance plan, and never stated that my loan is in default or delinquent status. I will be more than happy to provide the recording to CFPB upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report after their investigation

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 2020-10-23 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: NC

Complaint narrative:
I was notified today that 'XXXX  XXXX '' placed a collection on my report. I have been paying this account through XXXX XXXX which is XXXX 's in house collection weekly. And XXXX XXXX who works for XXXX conveyed to me once payment was being made that it would not go to collection. Especially since Maryland is one of the states that is participating in the " Ban collection due to state of Emergency because of COVID-19 ''. I have been SEVERELY affected due to COVID-19. And this is affecting my credit.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.

Company response to consumer: Closed with explanation