vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX of XXXX I filed bankruptcy due to falling behind on mortgage payments. US Bank increased my payments almost {$200.00} without an explanation. Whenever I called the bank NONE of their employees were educated on the tax process and how this could have happen.I made several attempts to contact US Bank to resolve prior to filing, and each time I spoke to multiple employees who NEVER provided the correct information. I was able to successfully bring my mortgage current and have attempted since to stay on time with my payments. Unfortunately US Bank is making it almost impossible for me to make my payments on time. If I call in to make a payment they will charge an {$11.00} fee. when I asked for another option I was told I can go online and make a payment. when I log into the main website for US bank it provides the correct information. Once I select the option to make a payment it automatically directs me to an alternate website that states my loan is delinquent and they will not accept payments on my loan at this time via the online payment method. MY LOAN IS NOT PAST DUE When I called and provided this information to a representative, the rep advised that I would have to send a letter stating I accept the receipt of e-statements. E-STATEMENTS HAVE NOTHING TO DO WITH MAKING A PAYMENT ONLINE. I'm also already enrolled in E-STATEMENTS I sent my XXXX and XXXX payments to US Bank via my XXXX XXXX XXXX bill pay. US Bank RECEIVED the XXXX payment on XX/XX/XXXX and the XXXX payment was RECEIVED on XX/XX/XXXX neither of my payments have been updated. My loan is showing due for a XX/XX/XXXX payment. this is incorrect and when I called in I'm being told US Bank is not showing proof of payment. Although my loan was DISCHARGED in  Bankruptcy, US Bank sent me an email requesting PAYMENT for XX/XX/XXXX. Clearly in violation of my rights after having this loan discharged in a  bankruptcy. Yet they are using tactics to garner fee income. I wish my loan was still with the original lender XXXX XXXX XXXX and was never sold to this TERRIBLE XXXX 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 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC is not providing clear information about all the fees for the account.

I suggest you simply go to http : //www.us.hsbc.com and try to find yourself the fees for the Choice Checking. If you go to this product page at https : //www.us.hsbc.comXXXX, you will not find a single link to the complete fee table.

This is an absurd. It should be very visible and accessible.

I had to contact the bank to have access to this information, that should be easily available. I ended finding the link : https : //www.us.hsbc.comXXXX  However it does not clearly state how much is it a transfer to my own account in a different bank.

When I attempted to the transaction, no fee was displayed - however knowing how disorganized HSBC is, I can't trust no fee will be charged.

There is a reason why I actually no longer use this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Has pull a hard inquiry on my credit which I did not get approved for. Now I am trying to apply for an apartment and this is not allowing me from getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On or about XX/XX/XXXX I received a XXXX XXXX credit card in the mail from XXXX XXXX. I had not applied for this card. I immediately cancelled the card, filed an identity theft claim with the FTC and froze my credit. I sent written confirmation to XXXX XXXX XXXX as instructed by the FTC, actually using the letter they provided. I received a letter yesterday ( XX/XX/XXXX ) stating that my claim of identity theft with that account had been denied and I would be responsible for the charges which are {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
Hello : I have a mortgage with US Bank. They have a relationship with a company called XXXX XXXX which has been processing my bi-weekly payment for almost 10 years now. I have several times requested a detailed amortization schedule which reconciles my payments every two weeks and they refuse to give them to me. I went to US Bank and they only gave me a monthly amortization schedule. When I told them I need to bi-weekly version, they tell me they can't and that I have to go to equity accelerators to get that information. I've now spent hours with equity accelerators and they claim they are unable to give the information to me ... ..they point my back to US Bank . 


I believe there is a scam going on here and would appreciate your help.

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 2019-03-05 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-05 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I went to XXXX XXXX in XXXX, WA. to make XXXX purchases. The cashier told me that the old XXXX XXXX card is no longer accepted, so she opened a new card for XXXX XXXX American Express. I told her that I had a credit on the old card of {$120.00}, and if she is closing that out, to please transfer my credit to the new card or send me a check. 

I did not receive a statement from XXXX XXXX American Express until XX/XX/XXXX. They added a {$38.00} late fee, and {$3.00} interest charged for late payment. I called both XXXX XXXX and American Express.  XXXX XXXX finally sent me a check for {$120.00} credit on the old card, and American Express removed the late charges off my new card. All was well, until I realized that this mistake lowered my credit rating to XXXX. I have always taken pride in having an over 800 rating! 

I am pretty upset about this because I pay my bills in full every month, and often make early payments. Please look at my American Express payment history. If I had received their statement prior to XX/XX/XXXX, I would have paid it. Please restore my credit rating.

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 2019-03-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.

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 2019-03-05 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: SLM CORPORATION
State: NY

Complaint narrative:
Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Pulled a Hard Inquiry on my account which caused my credit score to drop and now I am unable to apply for an apartment and relocate for my new job.

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I made a purchase of over {$500.00} on my XXXX charge card ( issued through XXXX XXXX ).  On XX/XX/XXXX, I paid the balance, in full. I tried to use my charge card on XX/XX/XXXX and was unsuccessful. I was unaware that my account had been closed without my permission or any type of notice. This caused a decrease in my credit score by over 25 points. I do not carry a large outstanding balance on any of my cards, and I try to use all of them at lease once every 6 months to keep them open and active. I am trying to maintain a high credit score and low utilization rate so that I can purchase a home in the near future. This is not the first time Comenity Bank has done this to me - closing accounts with no notice. I have lost at least three accounts in this manner, thus causing credit score fluctuations and concerns. 
Through my account, online, on XX/XX/XXXX I received a notice regarding changes in the way they calculate the minimum payment due, as well as changes to their arbitration process. NO WHERE did I read that they were closing my account. 
My personal assumption is that they close these cards regularly so that it incentives customers to continuously open new accounts ( new account = discount on purchase & employee commissions ) ; this behavior can have a negative impact on one 's credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Pull a hard inquiry when I did not get approved for the car I wanted. Yet it is still on my credit report. This is stopping me from applying and getting approved for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX has willfully reported to the credit bureaus an account without first verifying if the alleged debt is mines by properly sending correspondence to verify the debt. They claim they mailed correspondence which I never received by mail. USPS has lost mail in transit due to carrier mail issues. I have spoken with the local supervisor from the USPS for XXXX and it was confirmed scanned informed delivery which I get a preview of mail was lost in transit. XXXX  XXXX XXXX is stating I called them and I did inform them I had seen a scanned image of upcoming mail but the mail was lost in transit and never delivered to my mailbox. Under federal law I have a right to dispute all alleged debts. I received a uploaded document from the CFPB from them and immediately disputed the debt as involved in fraud case by mail to them. They have failed to remove the reporting from the credit reporting agencies. Under provisions of the federal law the FDCPA states, the if debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report. XXXX XXXX XXXX is assuming the correspondence was received which it was not. I discovered the actual alleged debt from an uploaded document they sent again to the CFPB. This is now my second attempt for them to comply to the law. After the the fourth attempt I will be seeking other legal remedies. This company from numerous XXXX   complaints have a history of ignoring federal laws and continuing collection activities this is why I am getting the CFPB involved in https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Today, XX/XX/2019, I attempted to obtain my free credit report from Experian using XXXX. However, the website returned an error message saying my identity could not be verified. It asked me to send proof of identify. 

I have had this happen every single year for the past several years, and I am tired of jumping through hoops to get my free credit report from Experian. 

Next, I went to the Experian website to fill in a complaint form, and the website said I had to call them because they couldn't take the dispute online. That number is useless for my purposes as I couldn't talk to a live person and it's a system designed, I think, to make you give up. 

So, I am beginning to think that they are intentionally trying to make it difficult for me to get my credit report. 

I believe it's illegal for these companies to profit from my information and then refuse to provide it to me via my free annual credit report.

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 2019-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
i opened a loan and investment account with them back in XXXX of 2018. i ran into financial issues in XXXX due to job changes. i know i had enough money in my investment account until i got my money right to cover payments. i called them dozens of times to have my investment account put towards my loan and was told every single time " that's no problem, we will just need to have a supervisor contact you back to do so. well a supervisor never called me back after any call, anytime i requested one, one was never available. now they are reporting negative payments on my report while i have been doing nothing but trying to resolve the debt and their negligence is causing it to be later and later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Servicing , Inc has declined assistance and will not review the workout package that was submitted. The reason for the default was because of the divorce and the ex-wife was living at the property without making any attempts to make payments has she was responsible. I have intentions of keeping the property and would like to be reviewed for a modification assistance and also a principle reduction as my property value its very low with a high principle balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: ME

Complaint narrative:
I have had an auto loan with Penfed for a 4+ years. I make my payments online through their website but recently, even though I have been trying to make my last loan payment for the past two months, I have been locked out of their site. 

I live in XXXX and occasionally go to XXXX for medical treatment, so all my payments are made from the same locations, with the same IP addresses. 

I was going to XXXX, so I tried from XXXX to make an address change online so that I could receive the discharge documents at my XXXX address. 

There are no land lines or cell towers available at my residence, so i had canceled my cell service about 3 years ago. I have been totally XXXX for years now, so I rarely leave my house. 

When I tried making the address change to XXXX ( which was my previous address on the loan as well before I moved to XXXX ), it wanted a phone confirmation so I canceled it since the phone number they had was no longer operational ( no optiom to change it or receive an email confirmation either ). 

So I decided to change the phone number to an IP phone, but in order to do that, it again wanted to send me a confirmation through MY OLD PHONE NUMBER. What kind of stupid programming does that? Why would anyone get a new phone number and retain their old one? As a result, it locked me out of the system and I couls not get back in, with a message to CONTACT THEM BY PHONE. 

I sent them 2 emails and a message through their automated message page on their website explaining my situation, yet the only reply I received was one telling me to call them. I live in XXXX XXXX in XXXX. Other than gas station stores, there are no stores, pay phones or even public transit service. I would have to drive 40+ miles to XXXX in extreme snow, which I DON'T, and then drive around until I could find a public phone ( which I am not even sure as to whether there are any ). 

So I want my account unlocked so I can make my layment and I will not be paying any fees for late payments either. In this day and age, what kind of website doesn't give you the option to be contacted by email??? 

Thanks ...

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 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. 

I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. 

There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
This is a debt that was charged by XXXX  for internet after multiple attempts to close the account. I moved from the residence and was forced by XXXX to open a new account due to a new zip code and they did not close my old account and continued to charge me on both accounts- my new residence as well as my old one. my new residence 's account is still open and currently paid in full. this charge is not valid and i have tried telling the collection agency this, have given them my current accounts number, and disputed the collection on my credit report and they are still saying the debt is valid. 

Details are as follows : Opened XX/XX/2018 ( 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX Creditor information- EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CT 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 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA stated on my credit report that my card is past due 60 days. This is inaccurate and I have proof that I have been making payments. The card just accentually went over it credit limit but I have been paying down on it to bring that limit down.

Company response to consumer: Closed with explanation