vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX money was taken out of our checking account to an. we contacted the bank they told us it was for the housing insurance because our insurance company dropped our coverage. We followed up several times with the bank and contacted the XXXX  department. We were told by the XXXX department they do not remove funds from your account but add any fees or charges to the end of your mortgage. In XXXX we decided to pay off our mortgage and found out that we had to pay an additional {$3100.00} in order to complete the mortgage. When we contacted the XXXX department and told them the full story they reiterated that they do not take the money out from your account but add it to the end and that is why we had to pay the extra {$3100.00}. Now when we contact the bank they tell us that they can not find out why or where the money went to. We've been on the phone and at the branch talking to every possible department. we sent information via fax and other documents to the main branch, at times they said they did not receive that information, And they had no further ability to help, and as of today they told us they are unable to help us., so this is why we decided to contact the FTC 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 2022-04-06 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: WI

Complaint narrative:
Hello, An account that did not belong to me was sent to collections, I paid the collections agency so that it would not hinder my credit. However, the collections agency reported it to the XXXX credit monitoring agencies. 

I have a letter from the collections agency stating that since it was paid the account will not be reported. Using this info I disputed all three credit monitoring agencies. 

XXXX and XXXX conducted an inquiry and promptly removed it from my credit report. 

Transunion however will not do anything about it and no matter how many times I dispute it, I don't receive any communication back from Transunion. Transunion 's website is not user-friendly enough to an extent that it discourages people from disputing an error om the report. I don't believe Transunion conducted any kind of inquiry and instead only interested in selling tools to improve credit. 

Thank you, 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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, when attempting to go online to check statements and pay my bill, my login was blocked with a message that my account had been locked due to suspicious activity. I called the number Chase indicated and was on hold for XXXX minutes before I was connected to someone. The representative was unable to help me because the " XXXX XXXX XXXX '' was not available after XXXX XXXX. 

The next day, still unable to access XXXX ) my account ; XXXX ) get information about my due date ; XXXX ) or my current statement, I called into the various numbers attempting to gain access to my online account. I was able to confirm my card was still available for purchases, but my linked checking account and online ID were " restricted. '' Despite several calls, I was unable to reach the team until close to XXXX on XX/XX/XXXX. When the call back happened from the " XXXX XXXX XXXX, '' the rep disconnected the call because of background noise ( I was along a highway pulled over ). I called back to talk to a supervisor and was advised I could not have a paper copy of my statement or any other document. 

I called again on the morning of XX/XX/XXXX to the " XXXX XXXX XXXX. '' I was connected and discussed my case for XXXX minutes with a representative. Again, I asserted that I had the right to a paper statement since I was unable to access any of the electronic documents or make payment through the website. I was denied that request. In addition, I was told the only way to unlock my online account or gain access to statements, etc. was to go to a branch and present XXXX forms of ID. In addition, despite having authenticated with multiple individuals and having just provided the required ID at account opening for the checking account just XXXX weeks prior - I had to provide this documentation or I would not gain access to any of my accounts again. 

This is a clear violation of XXXX XXXX and other applicable regulations. If the bank does not provide access electronically- it is my right to receive a paper statement at my address that I can use to pay my bill. Even when I requested to close my accounts, I was denied that ability by the team. 

Chase can not hold my money XXXX and prevent me access to the tools I need to pay my bill and maintain my account- especially when it could impact my bureau reporting and credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-04-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TN

Complaint narrative:
My daughter ( XXXX ) just got a job and needed to get her pay check direct deposited. I tried to add her to my Netspend debit card account. I had to email the company 's verifications department with a copy of her birth certificate and social security card. In the meantime, my debit card account was locked, I could not make any purchases with my card. And, they held her direct deposit from her employer in a pending state for 3 days, XX/XX/XXXX through XX/XX/2022. After I uploaded the information to them they denied my request to make her an extra card holder. They wanted me to upload my driver 's license and social security card. I refused to do so because I had already done this 5 years prior when I opened the card account. Also, when I spoke with the customer service representatives they did not tell me that any of my information needed to be uploaded. In fact, I spoke with them XX/XX/2022 at XXXXXXXX XXXX  and they told me that the only thing needed was my daughter 's information. Previous phone calls revealed that the customer service reps are telling people the only way to get an extra card holder on the account is to give your social security number to them over the phone. I feel this is a security breach and a violation 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
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX  tasted RMP services in XXXX of XXXX XXXX XXXX paid off my full a out I owed them, there were XXXX things equaling around {$600.00}. During the XXXX versatile I specifically asked the woman when and if it would be deleted from my credit report and she stated it would be within XXXX weeks. Upon going to get a house loan they were still on there ( a year later ), I called RMP services and they stated there was no documentation of her saying that so they won't remove it. I disputed them on my credit report and one was taken off but not the other. I was advised by my credit repair guy to contact you guys since she had specifically stated they would be removed and now they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
FIRSTPOINT COLLECTION RESOURCES , INC . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX To : The Office of Registered Agent for FIRSTPOINT COLLECTION RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX XXXX XXXX, Title XXXX XXXX XXXX, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Back in XX/XX/XXXX when I submitted my Intent to Proceed on submitting a mortgage application to Union Bank, it was made only after seeing the Union Bank Mortgage XXXX XXXX flyer online that advertises a top Rate Discount of the 0.50 % for combined balances over $ XXXX. ( It was only since this advertised rate discount matches what I was and am still being offered by XXXX XXXX, that I decided to pay the application fee and submit an Intent to Proceed to Union Bank. As I had already submitted an Intent to Proceed to XXXX XXXX. ) In fact, this Union Bank advertisement is still posted on Union Bank 's website today, XX/XX/XXXX, https : XXXX is the first, top search result if you XXXX " union bank relationship discount ''. Given that thisflyer advertisement is still posted on Union Bank 's website today, and is without an expiration date and is freely open and accessible to the general public, I'd ask Union Bank to reconsider and honor this posted Rate Discount for my home mortgage loan, including the maximum Rate Discount of 0.50 % for transferring $ XXXX to Union Bank XXXX and all subsequent pricing tiers listed on the flyer ). I've instead been informed that these discount pricing rates expired in XXXXXXXX XXXX  XXXX, as Union Bank 's current Relationship Pricing rate discounts range from 0.125 % to 0.25 % less than the current online advertised flyer.

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 2022-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
we have a account with Wells Fargo as a savings account for my son. we don't check the account often as it is a XXXX account for a minor which can not be touched until he turns XXXX from what I understood when we opened the account. XXXX day as we were curious i asked for the balance of the account and I saw on the statement there had been someone by the name " XXXX XXXX '' taking money from the account XXXXXXXX XXXX  every single month, i asked the banker XXXX XXXX XXXX about the charges and she told me they have been going on for over a year which was a shock to me because as i said a savings account like the one i opened for my son can not be used or touched until he is of age. she told me it was fraudulent as i never even heard of this person and she opened a report for it. We called the company that was getting paid this amount every month and they informed me they wouldn't be able to do anything that i needed to contact the bank. after multiple times of going in personally and getting no answers i called in and the person on the phone told me they wouldnt be able to do anything and i would not be getting the full amount that was taken from me, she also told me that companies are allowed to take the money without even getting ID confirmation and not get into any kind of trouble. I got a letter in the mail today saying the charges on my account were " correctly charged '' and that i would not be reimbersed my XXXXXXXX XXXX that im missing, id only be getting {$400.00} credited back on my account and that the case was closed which is not correct. in no way should i be charged that amount when i did not give anyone my account information nor did I accept to have these charges on my account for a person who i have never met or heard from in my life. On XX/XX/2022 I got a letter saying that I was only getting back {$400.00} out of the {$900.00} thats not correct. Also in that same letter it says our deposit account agreement explains we must hear from you no later than XXXX days AFTER WE SEND THE FIRST ACCOUNT STATEMENT ON WHICH THE PROBLEM OR ERROR APPEARED yet they never sent me anything about my account at all. This couldve been prevented if they had sent me my account statements as it says in our agreement!!

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Bait & Switch. 
XX/XX/2019 due to the onset of the pandemic. I received mailing from XXXX  For hardship due to covid-19. An option was to refinance through XXXX or another bank. I chose XXXX since. I'm already a customer. For two years I asked for a manager or supervisorexplain the terms. 

To help me get refinancing. I was told to keep paying my mortgage payments. Then, I was told to stop making my payments for 3 months. So that, my loan could be modified. I repeated that, I just wanted to refinance. To lower my interest rate. National average was btwn 2-3 %. 

Finally, I received a packet to modify my loan. The mortgage payment was lowered. Not the interest rate. Additionally, the life of the loan was extended another 10 years! Again asked for a manager or supervisor. 

This goes on for years .... I get a call later saying, they stopped refinancing. BUT 2 days later. I get another brochure from them say that, I can refinance through them. I was offered yet, another modification. To but me, in deferment again, paying an additional {$100.00} more for 40 years. I asked, again about a lowered rate. I was then hit with you owe XXXX. 

Then following week with a counselor on the line. They told me, I now owe XXXX? HELP ME! THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was sent a Citibank credit card on XX/XX/2022 I did not apply for. I contacted Citibank immediately ( the same day ) and was directed to the fraud department. They have started an investigation and closed the account that had been opened in my name. I then contacted all credit report companies and placed a freeze on them as well as a fraud alert. I have also reached out to my banks and other credit card companies to notify them.

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 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
Contacted I.Q. Data International , INC in response to a letter I received in the mail on XX/XX/XXXX, spoke with a rep named XXXX and asked for a detailed statement of account. 
She stated that I owed XXXX and that I moved XX/XX/XXXX which is completely incorrect I moved XX/XX/XXXX and I only owed 1 month and thats XX/XX/XXXX. I would like to have this matter settled immediately. Please assist me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
I recently paid off XXXX in credit card debt, 5 weeks ago. My credit report still states an 83 % usage of rotating credit. This is incorrect, the time it takes for agencies to improve your score after paying debt off, is far longer than usage impacts your credit score. This is unfair and wrong, how long will it take for my credit score to be reflective of my good credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I never received the merchandise for this order placed on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had originally contacted the merchant on XX/XX/2022, and XX/XX/XXXX both via email ( see attachment enclosed ) and telephone, both times the merchant has confirmed saying that no sales were to be finalized ( C.O.D. ) The merchant assured me there wouldn't be a charge made to my account. 

XXXX TO SHIP TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX INVOICE XXXX DATE XX/XX/2022 TERMS Due on receipt DUE DATE XX/XX/2022 SHIP VIA XXXX priority mail QTY ACTIVITY RATE AMOUNT XXXX MUSIC INSTRUMENTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ship smaller XXXX as agreed over the phone - reduced to {$230.00} instead of {$250.00} Reduced shipping from {$60.00} to {$55.00} SUBTOTAL XXXX TAX XXXX SHIPPING XXXX TOTAL XXXX XXXX DUE {$290.00}

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 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WV

Complaint narrative:
Every couple years, debt that is not mine is sent to a new collection agency. I fight it, it is found to be in my favor, and is deleted from my credit report. It has happened again with Credence Resource Management regarding the same cellular phone bill for {$1200.00}. All they have done is send a paper stating that they feel I owe it, which I do not. This account has been proven numerous times to belong to a former family member with a similar name. My name is XXXX XXXX, whereas this belongs to XXXX XXXX. Due to the similarity, I do understand the confusion, but this debt simply is not mine. PLease once again delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/2022 Discover deceitfully reported my current balance instead of the statement balance on the day my bill closed which was {$70.00} and my credit score dropped over 37 points. I called and spoke with a supervisor XXXX who stated she would submit a dispute to Discovers credit bureau investigation team. This needs to be corrected immediately as this is an illegal practice. I am not legally responsible for a balance that wasnt billed to me ( especially for a pending transaction that hadnt posted when my bill closed.

Company response to consumer: Closed with explanation