vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX Chase Bank sent a settlement letter to resolve a balance of {$1700.00} for the amount of {$170.00}. The offer expired XX/XX/XXXX. I attempted to reach someone by phone to see if they would extend the offer, but was unsuccessful. On XX/XX/XXXX we wrote a letter attaching the previous settlement offer, and requested the expired offer be accepted. In the letter we stated if they did not wish to extend the settlement they were to return the check to XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The letter and check was from XXXX XXXX, my mother. We included an authorization letter where I granted her permission to work on my behalf. In effort to ensure the check was not automatically sent through an automated lockbox processing system, we taped the check to the lower right corner of the letter thus requiring manual intervention. Chase Bank cashed the check, clearing the bank on XX/XX/XXXX. Further, the check had language " Endorsement of check constitutes agreement of settlement in full ''. Per the Business and Commerce Code Title 1. Uniform Commercial Code under Section 3.311Accord and Satisfaction by Use of Instrument, Chase Bank had until XX/XX/XXXX to return the payment if they were not going to accept the settlement. Chase cashed the payment, but continue to report to the Credit Bureaus I still owe {$1600.00}. I have disputed with Chase Bank and all three credit bureaus multiple times, but Chase ignores my requests, and reponds to the credit bureau disputes that I owe the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
IRS Tax refund ( XX/XX/XXXX ) of Maryland state tax refund ( XX/XX/XXXX ) sent to wrong bank USAA Federal Savings Bank to an account with no affiliation. IRS on XX/XX/XXXX and MD XXXX on XX/XX/XXXX have requested the tax refund to be returned to them so that my refund can process and sent to me. The USAA savings bank has not released the money after verifying it is there in someone elses account where I have no affiliation. This should have never been accepted by the bank. I spoke with XXXX in member security and XXXX bank ID # 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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Creditors reporting I am deceased and old accounts still showing on my credit report. I would call the credit bureau to resolve the issue. They would say they would but when I would apply for credit I would get denied than later receive a letter stating I am deceased. I now have many inquiries that are affecting my credit score even more. This issue is preventing me from establishing good 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 non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America allows most consumers to withdraw up to {$300.00} in cash as an overdraft. Unfortunately due to COVID-19 and unemployment, I became dependent on the {$300.00} overage limit as part of my monthly budget. I have paid {$1900.00} in overdraft fees from XX/XX/2021 to today. In early XXXX, the bank turned off my ability to withdraw the extra {$300.00}. Obviously this caused great consternation. However, I accepted it and was told it would be re-evaluated in six months. Instead, the bank then turned my ability to withdraw the money on again a few weeks later without notice. All of a sudden I was incurring overdraft fees for repetitive monthly charges that had been being denied by the bank. I asked the bank to refund these fees due to lack of notice and they refused. Then the bank again turned off my ability to overdraft the account. This also caused great consternation. I don't think it is fair that the bank can turn this dependence forming and fee generating service on and off again without notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XX/XX/XXXX : I terminated my lease with Rental property owned by XXXX XXXX DBA XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I moved from property, signing lease with new company XX/XX/XXXX. Account at XXXX was paid in full at the time. I was told I owed nothing further by management of XXXX. 
XX/XX/XXXX : I find that I have a collections on my credit report. I reach out to management at XXXX XXXX  XXXX XXXX. They send me a move out statement with multiple late fees, which I was told were waived, and for rent and utilities for XX/XX/XXXX. I gave notice that I was moving XX/XX/XXXX. I moved out in XXXX of XXXX, these should have never been charged for XXXX. I was told there was nothing that could be done since it was already sent to collections. 
XX/XX/XXXX : I find the collections removed from my XXXX  and XXXX  reports. Equifax was unavailable. 
XX/XX/XXXX or XX/XX/XXXX : I filed a complaint about this company with CFPB and my complaint was forwarded to the FTC. Nothing was done about this. My complaint is being ignored. The company continues to report inaccurate information and has refused to fix their accounting process. 
XX/XX/XXXX : I find that the collections has reappeared on equifax. I have disputed this 7 times. Each time it is verified as accurate. I have explained that I do not owe this because I did not reside there. I have explained that it is a mistake on behalf of the property management. 
XX/XX/XXXX : I reached out to property management, they will not return my calls. They have stated that it would be removed but have taken no actions regarding this. 
XX/XX/XXXX : I filed a complaint with CFPB about equifax. Equifax responded that they were investigating but have done nothing to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
My husband died in XXXX lawyers and Trustees left debt and in XXXX doubled that debt using a company call Fiserv Lending Solutions that changed the account numbers on XXXX account that was already fraudulently transferred to me as debt instead of paying it off. XXXX with XXXX XXXX XXXX XXXX used this service to produce documents, new debt of XXXX dollars with rights to sale my home out from under me. Fiserv Lending Solution reproduces new documents, debts and rights against homeowners for banks and lawyers. XXXX XXXX XXXX has a criminal record working in Nursing Homes till a death occurred but is still in good standing with the Florida Bar. He was my attorney writing my wills, XXXX XXXX and business attorney for XXXX. 
One day after death Mr. XXXX took all of our personal information worked with 25 % share holders to appoint personal representative and Trustee XXXX XXXX to open a fraudulent docket with a fraudulent power of attorney under his Mr. XXXX as the deceased before Probate Opened, as the deceased. He used these fraudulent documents to take over all of our personal, business accounts, credit lines and collected 3 life insurance policies and all investment accounts and property. 
Using four dockets and rotating judges Mr. XXXX and XXXX XXXX whom I hired to protect me and my children was able to hide a criminal paperwork with many orders not signed off by a Judge, I will send docket to show this Racketeering. They produced more fraudulent documents and accounting split the estate and named themselves as Trustees and beneficiaries excluding me entirely and cheating my children of their inheritance as well. I am including documents that XXXX wrote of homestead protected and exempt in the hands of XXXX XXXX. Also included is a investigation by XXXX formerly XXXX that the loan I have been paying on does not exist. Also Fraudulent accounting that the credit line was a credit not a debt to me. Also the letter Mr. XXXX wrote to XXXX and Fraudulent debt and account transfers starting in XX/XX/XXXX to XXXX. Also all supporting documents that XXXX has been reopened. There are two civil cases one where Mr. XXXX was awarded legal fees. That case remains open because of procedural mistakes, due process and fraud. The Probate has been reopened for the same reasons and a Civil case in XXXX XXXX for Civil Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I applied for a mortgage loan with Amerisave Mortgage Company ; they ran my credit report, using XXXX  for this purpose. They rejected my application for items that DO NOT APPEAR on my XXXX  credit report including : * Serious delinquency * Amount past due to accounts * Level of Delinquency on accounts * Number of accounts with delinquency. 

None of these exist on my credit report, though these were the basis for their decision. I take fraud seriously and I would like them review my application with my ACTUAL Credit report. There is only one negative item on the report, which I am disputing - a {$69.00} XXXX bill that was opened by someone else ( identity theft ). I reported the identity theft to XXXX and the Virginia Attorney General and XXXX accepted it. However a year later they resumed collections anyway. Again, a dispute has been filed with XXXX. However this does not fall into any of the categories listed above that Amerisaves listed as the " key factors that adversely affected your credit score ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Ive been trying to close this account since XXXX. They keep reopening the account because of an automatic payment that keeps withdrawing. Ive tried stopping those payments multiple times however they keep attempting to debit from my account. 

I asked them on XXXX to stop the transactions as they are no longer authorized and they wont do it without a {$32.00} stop payment fee. Asked if they could expedite the account closure and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX to pay off a charged-off account, I was told they no longer had the account and to contact MRS and associates. I called them immediately and told them I would like to settle the debt and be done with it, the phone rep said we can settle your account for XXXX and will send you a letter in the mail that the account has been settled and closed. She co-erced me to give her my debit card info because she said it would only take two days to process and would be the quickest route, which was a red flag and should have known that she was a con-artist then, I gave her my debit card number and she took the money out of my account and then set up recurinng payments without even telling me and the other issue is that they didn't even update the credit bureaus at all! They just took my hard earned money and could not get a person on the phone after that. They are TRASH and should be shut down. I have all the letter correspndance they sent me and will be glad to upload. On XXXX XXXX they updated the account to a derogatory account that's late and don't even know how that is possible because the account was settled but they sent me a letter in the mail that was dated XX/XX/XXXX but mysteriously just got it a week ago. They just took my money and think they can just get away with it. I really don't want to deal with this trash company again, so I would like the account to be updated to {$0.00} which was the original agreement that we made over the phone and the rep knows that was the truth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN

Complaint narrative:
Closed checking account with XXXX XXXX ( XXXX XXXX, hqtrd in WI. ) has been reported to XXXX as having a negative balance. The bank that acquired that assets/accounts ( First Citizens Bank in NC. ) has not produced the requested documentation/evidence of what created the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
ON XX/XX/XXXX I received a cancellation notice from XXXX XXXX XXXX XXXX phone. They stated in the notice that I had a past due balance of {$140.00}, and my services had been suspended for all numbers associated with the account. I did not take any action as I had paid the bill in full on XX/XX/XXXX amount {$140.00}. 
I opened the account with XXXX XXXX XXXX on XX/XX/XXXX but I started having billing issues beginning of XX/XX/XXXX. I was charged {$110.00} even though my monthly payments was {$71.00} an overcharge of {$48.00}. I talked customer service and they stated they will prorate and I will pay {$23.00} instead on XX/XX/XXXX my bank was charged {$29.00}. I complained again to customer service about the increase but nothing was done. 
I was in a 2 years contract but after 8 months I decided to terminate early my contract. I went to XXXX XXXX XXXX  store in XXXX, TX on XX/XX/XXXX. The manager offered me a deal to pay {$140.00} of the remaining 12 months of the contract. I paid it off on XX/XX/XXXX. 
I went again to XXXX XXXX XXXX on XX/XX/XXXX after receiving the cancellation notice but, the store attendant could not pull up any of my information, it's like I never existed. Apparently, when one of the technician was working on my phone he accidentally erased the number I was using at the time. 
Because XXXX XXXX XXXX is falsely collecting this amount and reported me to all 3 credit bureau my credit score went down 23 points. The turned this bill to a collection agency SEQUIUM ASSET SOLUTION who opened a collection account on XX/XX/XXXX and the account is noted in my credit report and it is having an enormous impact on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: PA

Complaint narrative:
I submitted disputes and an FTC report for the following fraudulent accounts. They have not been deleted. 

Transunion : XXXX {$330.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX {$330.00} XXXXXXXX XXXXk XXXX XXXX {$1200.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$210.00}

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 explanation
Consumer complaint received 2021-09-04 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: PA

Complaint narrative:
I submitted disputes and an FTC report for the following fraudulent accounts. They have not been deleted. 

XXXX : XXXX {$330.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX {$330.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$10000.00} Experian : XXXX {$3200.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX {$210.00}

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 non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
XXXX ( XXXX ) XXXX This company will is telling me they will fix my access to my Citizens Bank account. I dont have one. Its a scam!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: CT

Complaint narrative:
XX/XX/2021. It came to my attention that my account was late. I called usbank cc company immediately and learned that my monthly payment had increased. It had increased by {$1.00} more than I had set up my automatic payment from my checking account to draft. For this, usbank charged {$28.00} and added it to my account balance, further increasing my monthly payment. Several months went by, each time the balance increasing because they kept adding on {$40.00} late fees. By the time I found out this was happening, I owed {$230.00}. I called usbank and fixed it immediately. The cc company reversed the late fees and I paid the amount owed immediately. There was no intimation that they would report me as late. On XX/XX/XXXX, I found out that a late payment remark was sent to my credit reporting bureau. I have never had a late payment in my life. I am XXXX years old. My credit score was dropped 40 points. This seems highly punitive. The bank says they are legally obligated to report due to the 'fair credit reporting act '. How is this fair?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
All of my XXXX XXXX earnings and transaction 's, by design, are processed through

PayPal.

PayPal has prevented my access to my account and states that I may, " never have access to such, ever ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX, the amount of $ XXXX, included $ XXXX overdraft XXXX, by TD BANK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
the payments were over looked and wanted to see whether u can remove the negative impact on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: ND

Complaint narrative:
In XXXX of XXXX, I paid {$50.00} for a Netspend Visa prepaid card. I tried several times to activate and use the card via the internet. On XX/XX/XXXX, I finally called customer service to activate the card. After 30 minutes of waiting in queues, entering personal information into automated prompts, and giving personal information to a live representative, I was informed that I needed to send photos of my social security card and government issued ID to verify my identity before the card could be activated. I complained that it was too difficult to get my {$50.00} after which I was informed that my balance was $ XXXX. I feel the extreme difficulty in activating the card is purposeful with the intent of the company to charge fees at {$6.00} per month for unused/inactive cards. I am not sending copies of my ID cards for {$14.00}. Essentially, I have been defrauded by Netspend for {$50.00}. Their business model is obviously unethical and unfair to consumers. It may also be criminal, and if it is not, it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
======================================================

Company response to consumer: Closed with explanation