vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
During late 2019 I was very busy and going through a tough time with the holidays before and around XXXX time at work and at home that I happened to miss a payment on my XXXX XXXX XXXX ( Formerly XXXX XXXX XXXX XXXX XXXX ) MyRewards Platinum visa credit card, my first missed payment in nearly 5 years of membership with this bank. Once XXXX XXXX XXXX was able to make contact with me through a phone call, I apologized and had them transfer the past due amount of {$33.00} to my credit card immediately. Furthermore, because I value my relationship with said bank, I made and additional payment only two days later of {$59.00} which is nearly double the past due amount and nearly triple the regular minimum monthly payments of {$20.00}. My credit score dropped 73 points points as a result of the one missed payment which is a heavy handed and absurd calculation by XXXX  and Transunion.

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 2020-03-25 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: SC

Complaint narrative:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was looking to buy 2 poppies. I found this wedsite online with 2 beautiful puppies at a very good price. The person that I was on contact provided me with flight tickets. I transfer an amount of  {$1400.00} on XX/XX/XXXX. I was told they were going to be deliver the next day at XXXX. Instead I received a new email from the shipping company asking for more money. I used XXXX from my bank account Bank of America I was really disappointed when I call them and the answer I got was there was nothing they could do for me I started searching online and there was a lot of people with bad reviews about the same person I transfer the money to. Its unbelievable that some many people complained about the same person XXXX XXXX with the same bank information and that person still have a bank account access. 

I save for a long time with so many sacrifices to get my daughter a puppy and its really sad that someone took an advantage of that. And that the bank that I been customer for years couldnt do anything about it. 

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 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: KS

Complaint narrative:
On XX/XX/2020 a woman possibly named XXXX called my XXXX year old father in law, from a restricted phone number and demanded to speak with me. My father in law told her that I was at work and not at the phone number she called. Which is his personal cell phone that I have never used or been associated with. She left a call back number with him of XXXX ext XXXX. This call back number is associated with NCB Management Services. I have never received a letter or phone call from this company, however they are harassing my family and friends for a supposed debt that I have no knowledge of. I have been contacted by other family and friends who have told me that they are threatening to send me to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am complaining about Shellpoint Mortgage Servicing. I consistently pay them, and they consistently send me certified mail threatening to foreclose. I continue to pay them every month. My payments are late due to financial difficulties, but I pay them every single month. When I speak to the collections department, I am told that the threatening letters are a " formality '' and that as long as I pay, they will not foreclose. These letters cause me significant amounts of stress. I have made regular calls and explained my situation to the company, and have continued to pay. These contradictory business practices have caused me duress and pain. Shellpoint is too aggressive. I do not believe the company when its staff says there will be no foreclosure, yet the letters indicate that this is the overall plan. The company says that it does not want my home. I do not believe them. This company is acting in bad faith and doing harm to its customers. I will also be writing to my Member of Congress to address these concerns. The company 's recent conduct also makes no mention, nor even offers any supportive words, concerning the Federal Government 's recent moratorium on foreclosures.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
US bank closed my account ; as there were attempts at fraud on my debit card ; and credit cards with them.I received a call ; and she says ; well you are in Texas where we have no branches there ; find a new bank there.This was XX/XX/XXXX.So far one excuse after another why the money left in the acct. have not been returned in 40 days.Imagine if that was my life savings.Many calls ; no action.

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 2020-03-25 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: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX has a Business Partnership with XXXX of which we have Automatic Daily Deposits. We ar3 still waiting for funds after 5 Days and XXXX refuses to contact their Business Partner to resolve this issue. We are requesting an Investigation into the Fraudulent Embezzlement Practices XXXX/XXXX is incurring on their Clients

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: SC

Complaint narrative:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

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 2020-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander doesnt mind reporting if your loan is late or anything negative on a report. However, they are reporting my balance incorrectly on my credit report for over 6 months. They refuse to update the correct remaining balance on my account. I also made a payment at XXXX XXXX last month and western union didnt receive the correct transfer so they reported me late. XXXX XXXX called Santander and told them it was in error on their end and they told me to put in a dispute but, when I spoke with someone else they said they would correct the error and send it to correct the credit report. This has not been done. Im requesting for the correct balance on the account to be reported correctly and to remove the 30day late off as a courtesy or error, They keep reporting like I owe {$3800.00}. when I owe them under {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
I shopped around and ultimately ended up going with Better Mortgage for my loan because they told me they could get it closed on time, and offered me an extremely competitive rate plus lots of closing credits, beating out the competition. 

After stringing me along for a number of weeks while they requested document after document that they then seemingly completely ignored, they told me my income was not sufficient to qualify for the loan ( it is way above what's needed ) and that if I still wanted to the loan I would have increase my down payment with a new interest rate and different closing credits. 

At this point ( I'm supposed to close on Friday, XX/XX/27 ) I clearly do not have time to get a mortgage anywhere else. 

This is a total bait and switch- had they been up front with me about : A ) not being able to close on time B ) telling me there was an issue with my income C ) explaining that they might change my rate / closing credits even though I have a rate lock in place I would absolutely not have gone down the road with them and would have used a different lender who was not lying to me. This is costing me a significant amount of money as well as wasting a large amount of my time. 

Totally unacceptable business practices, I need this addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity theft. I have supporting documents to support my claims that I am a victim of fraud. Navy Federal closed my account for no reason and I validated my claims with police report to support reasons things happened with my account. A lot of these happened Because I am a victim of identity theft in addition to domestic violence.

Every time I reach out to Navy Federal security they tell me they can not help me and it doesnt matter if I am a victim of ID theft I can never have access to my navy federal account again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
XXXX. XXXX XXXX was our family XXXX  when we lived in XXXX in XXXX. We had medical insurance, the same medical insurance that we have had through the XXXX XXXX XXXX. XXXX. XXXX 's performed XXXX  services which were both covered by the XXXX XXXX and covered by independent payment. Our mailing address changed from our address on XXXX XXXX to our address in XXXX XXXX in XXXX. We did not receive any forwarding mail from XXXX office in regards to an outstanding bill. When I contacted the XXXX office about his recently, the billing clerk told me that " they just decided to submit the claim in XXXX '' and that they " never got any return mail back from the old address so ...? '' In other words, the clerk took it upon herself to send it to an independent collections collector ( Trojan ) to collect on a debt that I am not responsible for. Furthermore, it would be impossible for us to have been seen in XXXX in XXXX when we did not live there and also had another XXXX  at that time. They also took advantage of submitting a debt on my son XXXX XXXX 's credit report in which he was seen under age and not responsible for his XXXX  care at all. The medical clerk did admit the original date of service, insurance and the fact that we did have insurance and the fact that they were not sure of our mailing address. XXXX. XXXX 's office sold the debt to Trojan Collection Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 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: MA

Complaint narrative:
A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, XXXX   XXXX. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed 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 explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Overdraft fees since Corona virus and temporary loss of job. 
2 Over Draft Fees on XX/XX/20. One was paid when I called. 
2 ODF 's on XX/XX/20. One was paid as well. 
This bank has a history of charging overdraft fees. How can they kerpbtaking from people when there is no money in the account especially in times like we are in now.

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 2020-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, MGL 93A. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further  damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed 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 explanation
Consumer complaint received 2020-03-25 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: MA

Complaint narrative:
A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, MGL 93A. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further  damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SLM CORPORATION
State: FL

Complaint narrative:
My son is enrolled at XXXX  XXXX University ( XXXX ).  He applied to Sallie Mae for an education loan online in XX/XX/2019 for {$13.00}, XXXX. He emailed me in XX/XX/2019 asking that I co-sign his loan. I told him that I would have to see the terms and condition first before making a decision. I logged onto the Sallie Mae link he sent and started filling out the application to view his  loan information. I started filling out the required information, but did not complete the application because I disagreed with the loan terms. The main disagreement points were : ( 1 ) it was what I consider to be an excessive interest rate and ( 2 ) it was a Variable Interest Rate loan. My son may have accepted those loan terms,  but as co-signer, I did not accept the loan 's terms because I was shopping around for more favorable loan options. However, I did elect the required " fixed monthly payments of {$25.00} while you [ my son ] are in school and for a separation period of 6 billing  periods thereafter. '' ( Reference : Update on your loan application : Action Required pg 2. Repayment Options para. 1. Accessed via email XX/XX/2019 ). I was surprised to receive an email from Sallie Mae requiring a {$120.00} payment, which I never consented to paying. However, I did make the payment on behalf of my son because he could not afford to and I did not want to damage my credit rating. I believe that in trying to push/sell their high interest variable interest rate loan, Sallie Mae not only cut corners by processing an incomplete application ( mine ), but also approved me as a co-signer without my explicit consent. I consider the aforementioned business actions fraudulent and identity theft. I contacted Sallie Mae on numerous occasions, but to no avail. I have also filed multiple complaints against Sallie Mae, but so far I am still awaiting a satisfactory resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
Yesterday, Wednesday XX/XX/2020, I received a debit prepaid card from BRINKS MONEY that I did not apply for and had my name on it, after trying to call the company I got no answer and Im worried about scams or stolen identity

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 2020-03-25 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: FL

Complaint narrative:
I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block  Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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