vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 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: U.S. BANCORP
State: OH

Complaint narrative:
I used a 0 % balance transfer offer from my US Bank Visa card in order to spread out a {$4000.00} bill. ( I paid the transfer fee of XXXX right away and paid each month thereafter to shrink the balance. ) The monthly bank statements stated EXPIRES WITH STATEMENT XX/XX/2021, which struck me as vague -- no actual due date. I thought the balance due would be owed once I received my XXXX statement. Thankfully, I called and learned that the balance was actually due by XXXX XXXX. Had I waited for the XXXX statement, I would have owed hundreds in interest fees. 

I feel it is very deceptive to include the vague " expires with statement '' phrase. The bills should include an actual due date, unless the bank is purposely trying to trap people into owing fees.

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 2021-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
I took out a pay day loan of {$550.00} on XX/XX/2021. Including the finance fee, I was responsible for repaying a total of {$630.00} which was due on XX/XX/XXXX. I repaid the {$630.00} balance due online with my debit card which cleared and posted to my checking account that day. However, overlooking my repayment of the loan, on XX/XX/XXXX, Advance America presented a check to my bank account for repayment. Consequently, {$630.00} was erroneously deducted from my bank account and I was inconvenienced by their error and could not fulfill other financial obligations ( namely my monthly car payment and car insurance payment that was due ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
This is a Banking Practices Consumer Complaint involving a repetitive practice engaged by First Citizens Bank credit card payments by check. 
Checks submitted in payment for VISA card debt to First Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX are not being processed in a timely fashion, thereby passing the statement closing date and being assessed additional interest on the unpaid balance. 
Case in point : a check submitted for payment in full on XX/XX/2021 with an account closing date of XX/XX/2021 was not processed by the statement closing date of XX/XX/2021 and was finally posted on XX/XX/2021, thereby accruing additional interest for the additional days in cycle. 
Please note that First Citizens Bank is not the only bank engaging in this practice to collect additional interest on " past due '' accounts. Some are also charging a late fee in additional to the accrued interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
stdent loan was not to report negativity during the tome that they continually did. they agreed during covid pandemic they would not repot negative to the credit berro and they have been and not willing to remove my negative marks due to me paying off my loan early

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 2021-01-23 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: BTH Management
State: VA

Complaint narrative:
account I am not responsible for being reported on my XXXX credit report by plaza services. Not mine and claimed original creditor XXXX can not even legally lend online in virginia.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IN

Complaint narrative:
I never got a follow-up response from XXXX at Discover, regarding transactions and a negative balance. She told me they will look back into it and I never received an updated response. It has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to Equifax on XX/XX/2020, about unauthorized and inaccurate inquires on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. In the next couple of months I am planning on making a big purchase for my family and having my credit score go up would definitely save me a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
This is my 6th complaint against Axos Bank with no resolution. After telling me XXXX has denied the chargeback and still no valid tracking information has been provided. Axos advised me to work it out with the merchant. ( Again ) here is XXXX response from the XXXX and an email from the exclusive resolution team. here is the NEW information. no further resolution will be available with the merchant I need the chargeback completed. as the order WAS NEVER received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Monday XX/XX/2021 my edd Bank of America card was fraud someone deposited {$1000.00} out of my account! I reached out to Bank of America they did nothing they closed my card and told me to reach out to edd. I contacted eddd they stated that Bank of America can open my card and they dont know why they are telling everyone with this problem to contact us. The edd made note of the situation and stated that someone should contact me when my card will open back up. I do have a available amount and Im not allowed to touch the money because Bank of America will not give me any further details. They will not give me a time frame of when all of this will be resolved.

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 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On XX/XX/2020, the family renting my investment property moved. I prepared the property to be shown but on XX/XX/2020, we were mandated to stay home to " slow the spread. '' As a result, I was precluded from showing the house, therefore, I could not rent the house. I learned of the CARES Act and on Thursday, XX/XX/2020, I called SPS and spoke with XXXX. XXXX advised me that under the CARES Act I was entitled to a forbearance of my mortgage. I requested a 90 day forbearance for XXXX, XXXX & XXXX payments. XXXX confirmed that the three ( 3 ) mortgage payments would be moved to the end of my loan without penalty or interest. I accepted this relief in good faith and under the advice of XXXX cancelled my auto pay. 

I was successful in renting the property for XX/XX/2020, and called SPS to resume mortgage payments. I was told I needed to apply for a loan modification which I did. After months of submitting and resubmitting the same information I was denied the loan modification due to a " collection or charge off on my credit report. '' I believed that the " collection '' action in question was a {$290.00} disputed bill with XXXX which I offered to pay in full to resolve. I was told that was not acceptable and that I had " no home retention options. '' I was told that I was required to pay a lump sum payment or SPS would begin foreclosure on my property. I asked about repayment options, payment plan, etc. and I was again told " I had not home retention options. '' Together with a foreclosure notice I received a short sale acceptance form and a general third party authorization forms to sign over the rights to my property to SPS. 

I filed an appeal with SPS which was denied. 

In addition, to the loss of income on this property directly related to the Covid-19 pandemic, my income was reduced by 25 %. Further, since I was unable to travel for work my monthly travel reimbursement was reduced to zero, an average loss of {$350.00} a month. 

I am a single woman supporting my household on a single income. I accepted the relief offered by SPS to ease my financial burden while impacted by Covid-19, in good faith. I believe SPS acted in bad faith by refusing to find a way to make the loan modification successful after offering and promising to move three ( 3 ) mortgage payments ( XXXX ) to the end of the loan. I have never been late on a mortgage payment. I feel as if I have been a victim of a predatory lending practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/2019, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. 
-1 Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a vacation from a telemarketer. Upon review of their available resorts, I requested cancellation/refund, clearly within their written terms. When I received no response, I contacted Citibank to dispute the charge. In spite of clear documentation provided, Citibank repeatedly denied my disputes. Initially Citibank asked me to provide supporting documentation, and when I did, simply said they can not do anything with no explanation for why, and that the investigation was closed. I feel I have been wrongfully denied by both the merchant and Citibank and am hoping you can help. I have all the emails and executed documents to support my case and am happy to provide - I attached summary and final attempts to this request below. Kindly advise. Thank you so much in advance.

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 2021-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
An email from the CFPB Ombudsman 's Office stated that : " we understand that your Mother submitted a consumer complaint through an interpreter provided by the CFPB, but that some of the complaint was left out in what was submitted to the company. You also shared that the interpretation was not a very good one The HSBC Banks response reads : Unfortunately, we are unable to communicate with your son about your accounts as we do not have a valid power of attorney on record for him. Were unable to accept the one provided with your complaint because it is for an individual named XXXX XXXX. 

XXXX XXXX, my husband, passed away in XXXX. XXXX XXXX, one of my children, has a valid power of attorney now ( see attachments ). 

I do NOT believe that the closing balances of my accounts was {$1700.00} because I was NOT allowed to access my online accounts to cross check the closing balances with my records. 

According to my records, which include the paper statements, {$1500.00} was already missing from my bank accounts when HSBC closed my accounts in XX/XX/XXXX. 

Also, there was around {$170.00} in Rewards missing from my HSBC credit card account when HSBC closed my accounts in XX/XX/XXXX. The Rewards in my credit card account should have been credited to my HSBC bank accounts ( see attachment ). 

As I emailed Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX at HSBC, I need the following six numbers from my HSBC accounts. For simplicity, the total numbers do not need to be itemized, and the numbers may be rounded down to the nearest dollar : 1. The total number of my check deposits and their total dollar amount 2. The total number of my cash deposits and their total dollar amount 3. The total dollar amount of my XXXX deposits 4. The total dollar amount of my bank transfers ( i.e., to and from XXXX XXXX, etc. ) 5. The total dollar amount of the monthly charges and/or late fees 6. The total dollar amount of the interests from all of my HSBC accounts On XX/XX/XXXX, Mr. XXXX XXXX emailed me perfunctorily regarding the above request/numbers, but he failed to get back to me ( see attachment ). 

I ask HSBC not to send me any indemnification provisions unless the missing {$1500.00} can be accounted for. 

Please see the attached letter for the details of how HSBC has violated their own zero tolerance policy for discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, For the past year I've needed to freeze/unfreeze my credit with the 3 agencies to get a mortgage or open a bank account. I have accounts at all 3 to do this. XXXX  and XXXX  have always worked properly. However, Equifax, through their https : //my.equifax.com/ always have issues preventing me from lifting a freeze. 

In 2020 this prevented me from getting a mortgage and prevented me from opening a bank account. 

When I log in to the website or the app, I'm always presented with the following text on screen : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX. and XXXX XXXX. ( ET ), Monday to Friday. '' Calling the phone number is a phone tree that ultimately is a recorded voice recommending you log on to my.equifax.com. Their entire support system is circular. 

Last year after repeatedly typing 0 's to reach customer service I finally reached their customer support in XXXX who were able to manually unfreeze my credit report for a short time so that I could get a mortgage. They were never able to resolve the issue with my login. 

So now I'm facing an IT issue at Equifax that they are unable to resolve and I'm never able to reach anyone about, and it prevents me from living life in the modern world. I need to open a bank account and I'm not able to. 

This situation is insanity. Equifax is totally unresponsive and there's no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The fraud is being committed by Capital One bank. Recently they changed from fixed to floating billing cycles but 'promised ' the due date would remain the same. There is no notification nor way to find out when a billing cycle ends. I had set up, for the first day of the next cycle a payment of over {$600.00} for utilities for several months ' billing. I wanted this had checked online for the date and determined for my account with its payment due on the XXXX, that a transaction on the XXXX would be the next cycle ; i even gave it a day. The slammed it on the last day and the bill is due immediately. They refused to do anything. I should not be allowed for them to NOT provide cycle information for this exact purpose. 

My consent was not given to have that charge show up on that cycle and all attempts i made to ensure this were overridden by their ability to whimsically place a charge on one month or another that far from a due date.

Company response to consumer: Closed with explanation