vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: NJ

Complaint narrative:
On Three occasion I submitted My Official Identity Theft and Fraud Report that was filed with the FTC, as well as to the 3 other Credit Bureaus. I also mailed along with a notarized copy of my Identity and Victim statement of the XXXX. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XX/XX/XXXX, then again a second time via Certified Mail # XXXX signed and delivered on XX/XX/XXXX. And finally mail the report a third time via Certified Mail # XXXX, received by Trans Union on XX/XX/XXXX. This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my victim of identity Theft.. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX  that is clearly supported by all the documents I've previously submitted. Furthermore the account in question was open under another name thats clearly not my name, but the negative account is attached to my Credit file by Transunion doing and they refuse to delete or remove this fraudulent account off of my Credit file. 
The furnishing company has provided me not validated info on the account and say that account is not in their possession and are not doing any reporting. But Transunion still insist on willfully and negligently publishing this fraudulent, false and inaccurate information willfully causing me financial injury

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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I currently have a marine/boat loan with 53 bank. I had damage to the boat, and XXXX XXXX paid a claim. I had to send check to 53 bank for endorsement to pay the repair facilities. One month later I am still waiting on 53 bank to send us checks for the repair facility. I have called almost daily with excuses every day that someone else did not process the check to send to me. I sent detailed invoices for the repairs and how much was needed for each facility. Now one week later I am still getting excuses that the operations  director has not cut my check. I find this to be fraudulent behavior and its costing me daily storage fees since the work has been complete for two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I wanted this card to help me fund a rather large purchase, about {$7000.00}. 

I came across this credit card because i was searching for cards with good intro APR and balance transfer terms.This card came up and the USBank site advertised " For a limited time, get a special 0 % introductory APR* ( view terms and conditions ) on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49 % 24.49 % ( view terms and conditions ). Plus theres no annual fee ( view terms and conditions )! '' Based on this information, i decided to apply for the card based on this information. My plan was to make the purchase with the new card or make my purchase on an existing card and then take advantage of the " special 0 % '' fee on the USBank card. So I filled out the application. 

During the application, i found out that in spite of my excellent credit score, over 750 on both XXXX and XXXX, i was given a credit balance of only {$5500.00}. This was not even enough to cover the purchase. I accepted it because 1 ) my credit was already hard pulled at this point and 2 ) there was the balance transfer offer i could use. So i decided to go the balance transfer route. 

Now that I've submitted the balance transfer, I notice a charge for {$130.00} as a transaction fee! I then called customer service and they informed me that this is an expected fee. 

I feel this is a bait and switch and that i was lied to. This was not disclosed in the initial offering link that i followed. 

I would not have applied for this card if i had known there would be a fee. 0 % APR on balance transfers for 20 months does not mean that they get to charge me a percentage on any other fees that they decide to name something else. 

I have used balance transfers in the past and the fees have ALWAYS been disclosed on the offer itself! Burrying that information in disclosures and semantics is unfair and deceptive business practice. This is unacceptable!

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: ID

Complaint narrative:
I had previously disputed an item from Caine and Weiner because they had not provided notice of my rights to dispute. Since then they have sent me a final bill from the original creditor. I have responded to them that the amount of the final bill appears to be inaccurate and have requested all payment activity, all billing activity, terms and conditions for the policy, as well as the date and reason of cancellation. They have not yet responded to this dispute which originated in XX/XX/2020. They continue to report this in the full amount on my credit report. 

This is a violation of the FDCPA subsection 807 ( 2 ) ( A ), the false representation of the character, amount, or legal status of any debt. 

As I have indicated that the amount is in dispute and they have not provided proof of the amount showing all payment and billing activity as well as the terms and conditions which stipulate when a policy is cancelled due to non payment as well as the reason for cancellation, any reporting of this to a credit agency is a direct violation. 

At this point, if the resolution is not removing the debt and ceasing all current and future collection attempts and waiving all debt owed on this account, I will seek the maximum {$1000.00} that I am allowed to seek in damages under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This is the second time this has happened in a year. 
I was charged an overdraft fee of XXXX on pending items that were not overdrafted and my account balance was positive when the overdraft fee was applied. The charging of the overdraft caused my account to overdraft and then I was charged XXXX more in overdraft fees! I understand if I truly overdraft something but these charges I am being overdrafted on for XXXX didnt even fully come in and leave pending status until after the XXXX was charged. Citizens Bank was sued for this very practice some years ago and had to return fees collected to it's customers. I am very upset as I tried to reconcile with the supervisor on the customer service line and she would not listen to me or look at my account, she only wanted to tell me the overdraft policy. I know what the policy is. She would not look at my account or hear me out that the account was POSITIVE when the fee was charged. At no time was it ever negative on my mobile app or my online account, in fact I added XXXX to make sure it would not go negative when the pending items came in as cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the morning of XX/XX/2021 I noticed my account was overdrawn. Wells Fargo charge me an overdraft fee of {$35.00} even though the balance was available to cover the transaction. 

Order of events : XX/XX/2021, beginning day balance was {$380.00}. 
Two transactions posted ( {$300.00} and {$41.00} ) leaving the posted end of day balance of {$46.00}. 
I was then charged an overdraft fee of {$35.00} for the {$300.00} transactions. 
Leaving the balance of {$11.00} with two PENDING transactions ( {$70.00} and {$38.00} XXXX to be posted the night of XX/XX/2021. 

I reached out to Wells Fargo and was told that fees are charged based on authorizations XXXX and is something they can only see internally XXXX. Consumers are only able to manage their account based on information provided on the app or online. Wells Fargo is charging overdraft fees based on information only they can see and is unfair to consumer because it does not allow time to correct the overdraft. Fees should only be charge on posted transactions that overdraw the account, not authorization that are only privilege to Wells Fargo to see. A consumer can not properly manage their account based on these underhanded practices.

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
At the beginning of XXXX I disputed a collection account through XXXX XXXX  for Southwest Credit Systems trying to collect a debt that's over 8 years old from XXXX for {$830.00}. After disputing it, the company started calling my phone from clandestine numbers appearing to come from XXXX WA. but were actually originating from Texas. They would call multiple times a day and never leave a message. I decided to answer it one day and got a message from Southwest Credit Systems trying to collect a debt. They started calling my boyfriend phone multiple times a day ( A violation of The Fair Debt Collection Practices Act ). He would block the number and they would continue to call from different variations of the same number. They are not licensed to operate in the State of Washington, they have never attempted to contact me or send proof of debt. This is a zombie debt, or time barred debt. In the state of Washington the statute of limitations is 6 years. I have not had XXXX since 2013. This debt was sold to Southwest Credit Systems in an attempt to revive it and I dispute it. Especially when they feel free to violate the FDCPA. If you look at their profile under the XXXX  they have over 383 complaints. Naturally a collection agency will have complaints, but many are the same allegations from this unscrupulous company. I contacted XXXX and this debt is not on their records and in fact I'm eligible for another account if I wanted to. I ask that Southwest Credit Systems and other companies like them be investigated for their collection practices and violations of the FDCPA. I would like this company to remove whatever information they have about me or my boyfriend and delete this debt. I also contacted the state ATG in the state of Texas where this company allegedly resides about this company as well as the WA state ATG, the XXXX  and other appropriate entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have explained to Paypal that the bank transfer ( Transaction : XXXX ) was going to a closed account and they need to cancel that transaction so I can transfer to a different bank account. 
Paypal mentioned that I need t contact my bank for a transfer that is going to a closed account. My Bank has stated that Paypal can only fix this. However, XXXX and XXXX from Paypal are suggesting that it may take 30 days for them to fix this. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX, Perhaps I am too wordy when i write and that is what takes you off point so let me be direct. 

On the three XXXX cards. 1 out of the three is 23 years old and you have been trying to collect on this. It is a 23 year year old identity theft credit card and you are still trying to collect on this up until last XXXX Why?? The other two XXXX are almost as old and you were trying to collect on them up until XX/XX/XXXX. Back in XXXX XXXX XXXX and I spoke and she was sent a letter sent to her, the FTC Affidavit and the XXXXPD report. So you knew that this was identity theft .Yet you continued to report me like I was some deadbeat. You knew I owed no money on these cards yet you continued to try and collect on them until XXXX of XXXX. Your company has never reported anything correctly keeping the damages rolling forward and growing larger. You have caused cumulative damages by the way you have reported me and yes there were double reporting on the same card in the same year. 


How are you going to fix this?? 


Next is LVNV XXXX XXXX. 

Please tell me how you are collecting on a credit card that is not mine? You are collecting on a credit card ending in XXXX. My credit card arrived and was activated in XXXX. By XXXX my card was cancelled you can see this on the statements I have sent. So again my question is how can you collect on a card XXXX and then switch to XXXX? And no matter how XXXX tries to explain it, it makes no sense. I am not the owner of XXXX. any charges related to XXXX are the person who owns this card go find them its not mine. My card XXXX arrives and is activated in XXXX. New cards come with a XXXX  balance last I checked. Mine arrives and the balance from XXXX and all the late charges and fees are dumped onto my card. SO my XXXX never has a XXXX  balance ; it arrives with charges. I don't use it and never charged a XXXX to this card so it should have remained a XXXX  balance. And the card is shut down in less than 4 weeks. XXXX says but the company made these adjustments '' yes but that never got my card that I owned for a month down to a XXXX balance and the company continued to smash our cards together so it's a mess I agree with you there but look at the statements and it becomes very clear that a mistake was made and I owe nothing. But once again you report me as a deadbeat you call harass, phone the neighbors are very difficult to deal with. I don't know if you just don't want to be wrong? I am not sure what LVNV Resurgents issues are but me being in this mess is not a place I care to be

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2021 I received an email from my credit card company that my payment was returned by my bank. I called th3 credit card company to assess the issue as I have never have payment was posted to my account on XX/XX/2021 by the credit card company. Now I havr been making payments with my credit card company for a whole year. If they give you a post date the will take the funds from your bank the NEXT business day. I received a post date of XX/XX/2021. USAA stated that the credit card company attempted to take the funds on the XXXX and because it wasn't available they returned the payment. USAA didn't post the payment to my account to make my account negative to give me the opportunity to add additional funds to my account to bring it back position like most banks that don't try to charge you erroneous fees. They magically show you NO ACTIVITY of the negative item they just charge NSF fees for phantom items that are never presented to my account. I believe USAA has bad banking practices and doesn't have the best interest of the military and their family in mind when creating these practices during a global pandemic. I believe they are trying to get money from their members they have lost because of the global pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: ME

Complaint narrative:
On XX/XX/XXXX I called the bank only to be notified that they had frozen my account and after 50 minutes on hold they demanded I go to a branch to discuss why. I then received a call as I was driving from a branch in XXXX XXXX ME that they froze my account due to two deposits made at the end of XX/XX/2020 and one the first week of XX/XX/2020 from the State of Maine Unemployment. My husband 's company was furloughed for two weeks due to Covid-19 his claim was not fraudulent. We called the State to confirm as well as received a letter from his employer. The bank wanted nothing to do with it as they as processing their " own '' internal investigation. They first stated Unemployment contacted them which is a lie confirmed by Unemployment as well as the state level. They then stated XXXX XXXX contacted them again confirmed by Unemployment and at State level a lie that is not their process. They do not EVER contact banking institutions. I believe Keybank is conducting fraudulent activities that I demand investigation on. I have ZERO access to any of MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 have disputed information on my Equifax credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Equifax while providing the affidavit and twice now they are continuing to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: RI

Complaint narrative:
Two weeks ago I received a late notice. When I immediately called, I was told that my auto-draft did not come out of our account for XXXX. There was no explanation of why this happened AT ALL. I gave full payment that same day, and I was told the issue had been escalated and someone would contact me. No one ever did. I called again last week and was told that the previous person had not correctly applied my new payment from the week before. Yesterday I then received a notice of default in the mail. I am EXTREMELY upset about this. When I view my account online it appears to be current, with nothing overdue and no late charges. I requested via phone and email on XX/XX/21 that they furnish in writing ( email or hardcopy ), confirmation that my account is current and that there is no late payment recorded. After over 30 minutes on hold I was told I would get the requested email that same day ( XX/XX/21 ) detailing that we are not and have never been late or in default. That email did not come and I received a 2nd letter of default via US Mail and notice that they had contacted RI Housing. 

Here 's the history of my multiple attempts to straighten this out : Called on XXXX/XXXX/21, 51 minutes. Initial person I talked to ( XXXX ) said he or his supervisor would call me when they were done investigating and they never did. He also gave me his direct line, which was just the same number that is on the letterhead. He also gave me an employee code to use to get him directly, and when I called I was told that they had no way of putting me in touch with him, that they dont have direct lines. 
Payment taken in full on XXXX/XXXX/21, cleared from our bank account on XXXX/XXXX/21. Default notice is dated XXXX/XXXX/21. 
Called on XXXX/XXXX/21, 27 minutes. Person I talked to said that XXXX had not properly applied my payment from XXXX/XXXX/21. 
Sent above request via online form on XXXX/XXXX/21. Received a reply saying to call the XXXX number. Called on XXXX/XXXX/21.

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 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
TO WHOM THIS MAY CONCERN : On XX/XX/2021 I sent Americollect a request for validation on 14 different accounts showing on my credit file in the sum of {$2200.00} via certified mail. On XXXX XXXX, 2021, I show in my records my letter was delivered and signed for by an agent with a return receipt. Its been well over 30 days and I still have not received debt validation. The Fair Credit Reporting Act states that while these items are being investigated they must indicate to the bureau that the accounts are under dispute and will remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. This company is still to this date reporting invalidated information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation