vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have had no late payments for any of my credit cards, for this US bank card, zero late payments, yes my balance drastically went up in XXXX because of COVID-19, but still never a late payment. When I did get the extra money, I paid it completely off in late XX/XX/XXXX, {$6000.00}. When I used it in XX/XX/XXXX for work, a big purchase, it was declined. Finally got on the phone to speak to them, and they lowered my limit from {$6000.00} to {$700.00}! And that i was over my credit limit. This has greatly affected my credit utilization from 66 % to 97 % and even though I have excellent payment history, I now have horrible credit! I would completely understand if someone were a deadbeat and not paying bill on time regularly and you penalize them with a rate increase and decreased credit limit ... but this is crazy. Lowering credit limit based on other reporting credit score that doesn't take into consideration issuer credit history is not 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 explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Purchased mortgage on property XX/XX/2004 Fifth Third Bank dont have any imformation. The title company. Where down payment check. Lot of lost of closing refinanced on XXXX XXXX. They had all imformation. Mortgage account no was changed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Self Financial Inc.
State: CA

Complaint narrative:
I contacted Self Lender to try to close my account due to identify theft preventing me from accessing my account. I filed a report with the FTC and submitted it to Self Lender. They still continue to report me delinquent harming my credit on a monthly basis

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 there was fraudulent activity on my debit card which consist of two ATM withdraws one being of XXXX and one being of XXXX, as well as a charge from a restaurant of XXXX. Called within two hours of the charges being done to my account and made a claim with Bank of America claim # XXXX.I later come to find out that they put a charge of {$200.00} for a ATM withdrawal that I did so I called in immediately once I saw that I had explain to them that that XXXX atm withdrawal was done by me and they never made an adjustment and took into consideration that I had done that {$200.00} withdrawal days prior. So they were investing in a {$200.00} withdrawal like if it was fraudulent when it wasnt.Ive made numerous claims but they keep denying me and giving me the only option before putting it into collection is to pay. Company is Bank of America and it is a checking account been with them for roughly 6 years. 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 2021-04-10 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: DISCOVER BANK
State: AL

Complaint narrative:
I am an elderly, XXXX female and I signed up for a COVID19 related program with XXXX XXXX XXXX. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am an elderly, XXXX female and I signed up for a COVID19 related program with Bank of America. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.

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 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX every other month I get email saying student loan increased and lowers my score I email them about and ask them how did it increase if there a hold on payment and interest because covid 19 they told me that whats being reported I called XXXX they told me its false somebody playing with and I drop points for it I emailed XXXX  didnt get anywhere

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 2021-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
PennyMac is overcharging me for my escrow. Pennymac has used Calendar Year XXXX Property Taxes to calculate my annual escrow amounts for XXXX. When using Calendar Year - PennyMac is using two different years- taking amounts from both XXXX and XXXX to calculate my XXXX escrow payments. The XXXX XXXX XXXX says that Mortgage companies typically use fiscal year - and PennyMac has always used Fiscal Year in the past to calculate my escrow amounts. 

My Property Tax is broken into two payments ; For XXXX ( Total Tax = {$3000.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1300.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1600.00} For XXXX ( Total Tax = {$3100.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1500.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1500.00}. 

PennyMac has take the second half of Calendar year XXXX and added it to the first half of XXXX - using two different tax years to calculate my escrow. They are also comparing it to a split XXXX year - and because the town did not split the annual tax proportionally - PennyMac is claiming that my property tax went up {$550.00} dollars - which is not true. The Town Clerk and Treasurer/Collector ( ( XXXX XXXX XXXX Option 2 ) told me they have never seen a mortgage company calculate escrow by bills paid annually rather that Fiscal Year. My property tax only increased by {$80.00}. 

PennyMac is making me pay them {$1200.00} for a {$100.00} dollar annual increase Taxes and insurance. ( They have asked me to make payments of {$670.00} + {$280.00}, along with increasing my monthly escrow/mortgage payment by {$39.00} XXXX {$310.00} ). These additional payments are not justified. 

My property tax did increase between XXXX and XXXX - and I calculate a {$40.00} shortage between what I paid in and what my taxes/insurance actually were. In XXXX, I will be paying into my escrow account {$1100.00} ( {$290.00} XXXX thru XXXX XXXX + {$2700.00} XXXX {$330.00} XXXX thru XXXX XXXX for a total annual escrow balance of {$3800.00}. My XXXX property tax has already been set by the town and it is {$3100.00}. My insurance is {$900.00}. I will be {$150.00} short. 

PennyMac is making me pay {$1200.00}. With the shortages paid {$190.00} XXXX {$40.00} + XXXX ) ... ... PennyMac will be getting an additional {$1000.00} for escrow reserves, which is much more than they need. 

PennyMac is only required to have 2 months in escrow reserves - which comes to {$670.00}.

Therefore, I would like the Escrow Reserve over payment {$400.00} returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
RADIUSGLOBAL SENT MY NAME TO COLLECTIONS ON XX/XX/21. I DON'T THIS COMPANY.

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 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
On XX/XX/21, I ordered two free trial supplements on line. The order was cancelled on line and the company XXXX XXXX never sent me the supplements, but I did pay the small postage via credit card. I never heard from them again until I received a collection notice actually 2 of them today XX/XX/21 for XXXX each. They said I owed for supplements. I never received any supplements and they said they emailed me which they did not. Now the operator on the other end wants me to pay for something I did not receive. I told her I will not do so and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This is an attempt by a former landlord and its Debt Collection Agency to profit from the Covid-19 hardship. After successive phone calls in which I contested the debt, I demanded validation of this debt and the collector sent a letter demanding payment of a " late fee '' of {$3100.00}. The fee purportedly arose from my prior residential tenancy in Philadelphia. Commencing on XX/XX/XXXX, months before the XXXX expiration of my lease, I gave multiple written notices by certified mail, return receipt to my landlord stating that I would not be renewing my lease because I was fired due to Covid-19 layoffs. The landlord signed for my letters. It knew my financial condition. I was unemployed and couldn't afford a lease renewal. Simultaneously, on XX/XX/XXXX, the XXXX XXXX XXXX passed the Emergency Housing Protection Act ( " EHPA '' ) ( Sec 9-809 ) which barred landlords from charging late fees from tenants who experienced financial hardships due to Covid-19. The law covered fees imposed from XX/XX/XXXX to XX/XX/XXXX, overlapping the exact period of my lease. The EHPA rendered any lease provision charging such fees " void '' and " unenforceable ''. My lease expired in XX/XX/XXXX and on XX/XX/XXXX the Landlord demanded payment of the " late fee ''. The Landlord 's managing agent concealed my prior certified letters and unilaterally inserted her own dates to make my notice of termination appear late. The landlord then predicated its " Late Fee '' on the late date imposed by its own agent. I wrote the landlord regarding all of the issues and never heard back. On XX/XX/XXXX, I commenced a mediation before the XXXX. Attorney General. The landlord defaulted and never appeared to adjudicate its claim. Unfortunately, the mediation was voluntary and the landlord evaded a final determination. No further communications occurred over the last six months, until the current debt collector attempted to resurrect this claim. This debt was fraudulently manufactured by this landlord and was explicitly void under the Phila. EHPA, but this Debt Collector is acting oblivious to the underlying illegality and pressing a spurious claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
The company continues to harass me about an alleged debt they know is not owed by me. I have told them repeatedly to stop contacting me about it and they have now resorted to harassing my family members. This a blatant violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I made a purchase from XXXX  for a phone sanitizing case in XX/XX/2020. The product did not arrive as scheduled and as promised by the merchant. When the product did finally arrive, it was missing a component ( power cord ), instructions were in a foreign language, and the claims of FDA approval can not be validated. 

I have attempted to resolve with the merchant. The merchant 's website has an expired domain. The merchant 's email does not work. The merchant 's phone number does not work. The merchant 's XXXX page does list similar concerns and I have messaged them there. Although I can tell that they've read my messages, they do not respond. I've also filed a complaint with the XXXX XXXX XXXX in Canada about the business. There exist many, many complaints of a similar nature there. 

I've filed three disputes with XXXX to resolve this. Each dispute is closed in the merchant 's favor as they are able to show that I did agree to the purchase. This is not the issue with my dispute. I am not disputing that I made the purchase - I am disputing that the goods are not as promised. 

Further, I have found this exact same item on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a Capital One Quicksilver XXXX  card on XX/XX/2021. The promotional offer said I would receive {$200.00} cash back if I spend {$500.00} within the first three months. Once I activated the card and spent {$500.00} by XX/XX/2021 ( within the 3 months ), Capital One only gave {$150.00} cash back. I called to ask about it on XXXX XXXX, XXXX, around XXXX. The first person I spoke to at Capital One looked online, saw the {$200.00} promotion and transferred me because she could not answer my question. After being transferred I spoke XXXX from Arizona with Capital One. She was disinterested in helping me. She told me You cant believe everything online I told her that I had seen the promotion on Capital Ones website proper. She said she couldnt help. I asked her so I received misinformation from your own website to which she replied I guess. I followed up with So I just want to confirm that what I found on your website was misleading and misinformation. Her response was yea The promotional offer of {$200.00} when you spend {$500.00} is still active and can be found on Capital Ones website as of XXXX XX/XX/2021 : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with Experian with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.

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 2021-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Confirmation # XXXX Equifax, I disagree with your investigation results ; they do not abide by the FCRA therefore this investigation is incorrect. Equifax, you cant keep verifying that the item has been reported correctly. Equifax has been updating the same accounts as verified as accurate for several months now. 
*Attached is a copy of the USPS log of letters sent to Equifax about these accounts. 

According to sec. 314 of FCRA Equifax can not verify these accounts without providing the consumer with all the verifying documents. 
Account statements legally do NOT count as verification. 

Equifax has surpassed the 4560-day investigation window for these accounts. 
Equifax has verified the same accounts over and over again for 6 months and they are not 100 % accurate. Is this against the law? Yes. 
These accounts have accumulated interest since the initial dispute process began which is against XXXX. This is against the law. You are committing a crime. 

Has the lender claiming this account belongs to me sent you the signed contract between us? No, there is no contract these accounts do NOT belong to me. Equifax must delete these accounts, stop verifying fraudulent accounts. Did Equifax hire a third party to conduct an outside investigation abiding by the FCRA? No. 

How long are we going to go back and forth about the same accounts. Equifax have failed to follow the FCRA, you update inaccurate accounts, disregard my disputes, and fail to provide any legal document to tie me to these accounts. 

Who is verifying these accounts? Does my name XXXX XXXX XXXX XXXX XXXX along with my signature appear on a contract with these institutions? 
Does my employment information and phone number and address match? 

Equifax enough with your games you have damaged my creditworthiness which has resulted in denied credit. Equifax must delete these accounts ; this is my last attempt before I seek legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Colony Brands, Inc.
State: AZ

Complaint narrative:
Colony/Midnight XXXX  XXXX  ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with XXXX  with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I legally changed my name in XX/XX/2020 and reported the change to the Social Security Administration. I have also changed my name with my bank but have experienced numerous difficulties in changing my name with financial institutions, in part due to Experian 's refusal to update my credit file with my legal name. 

Most recently, I sent Experian a letter requesting that my file be updated and including copies of my driver 's license, insurance statements, Social Security card, and the court order of my name change. I received a form letter denial claiming that I had not sent them all the required information when I had, in fact, sent them everything listed in the letter. 

Experian 's behavior is grossly irresponsible and is directly causing me financial hardship, as I now appear to have no credit history and can not get approval for anything.

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 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Dates requested removal of negative items from my Cheksystems report are XX/XX/2021, XX/XX/2021, XX/XX/2021. This company hasn't removed any of the negative items. Items described as Account Abuse, and Overdrawn

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