vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Peoples Bank had an advertisement for a bonus for their checking account as well as a bonus for their savings account. I clicked the link for the bonus and signed up for the checking account and savings account. The terms for the checking bonus were " Get a {$300.00} bonus when you open an XXXX  XXXX  XXXX account when you receive qualifying direct deposits in the account totaling {$2500.00} or more within 60 days of account opening ''. The terms for the savings bonus were " Open a Savings or XXXX XXXX account & maintain a balance of at least {$10000.00} for 60 days and get an additional {$100.00} bonus ''. I opened up the XXXX XXXX XXXX  account and met the terms for the {$300.00} bonus and I have now received that bonus. However, I also opened up the XXXX  XXXX  account .and met the terms for the {$100.00} bonus. I should have been paid the {$100.00} bonus but I have not received the savings bonus payment as of now. Please credit me {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX  : Chapter XXXX bankruptcydischarged Reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I lost my home to a wildfire in 2021. At the time of the loss, I had only force placed insurance coverage through the mortgage lender. My understanding of said coverage is it only protects the lender and pays off the loan. Since I suffered a total loss and had no HO policy, I therefore could not continue to make my mortgage payment as well as a monthly rent to have housing for myself and my son. I have contact my mortgage company and advised them of my financial status. I have also requested more information regarding this claim process and confirmation that my understanding that my loan would be paid in full but have not received adequate information. I am now being told that the forced place carrier has submitted payment far less than my mortgage balance and I need to submit the difference before my lender will apply any monies they have received from the insurance carrier. I do not have that amount available nor do I understand how the adjuster 's report devalued my property so badly. 
I am in need of assistance as I am in default and I can not even sell the bare land to try and repay late fees/penalties to the lender. 
I understand that I have no compensation for my personal belongings, expenses paid for housing however I do not understand why the principle balance of my mortgage loan was not paid by the insurance carrier.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
BRCLYSBANKDE : Has reported my debt twice that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice and are also reporting incorrect balances. I called XXXX who is the other creditor reporting i owe them when its the same debt as BRCLYSBANKDE but with a different amount. 

When i called XXXX they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX XXXXXXXX, XXXX cardXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX XXXX XXXX XXXX, # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX XXXXXXXX, XXXX card, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
-I switched cellphone carrier 's on XXXX.22 went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX -On XXXX.22 I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX22 or XXXX.22 were annotated on the bill. 
-I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request but I never was contacted. 
-In XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX22 of {$280.00} but no mention of the XXXX.22 {$260.00} payment. 
-Then on XXXX.22 I received a collections notice form Convergent on behalf of XXXX stating that I owe {$340.00}. 
-To date I have not received any follow up from XXXX in regards to my XXXX22 payment of {$260.00} towards my XXXX account. Also when I logged in online on XXXX22 to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX I began receiving bills that made no sense and my online account did not allow me to see all the billing. 

PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was part of the XXXX company breach and someone use my personal information to get multiple credit cards and get approved rental apartments units

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
My mortgage servicing was recently sold from XXXX to Huntington Bank. I have already filed a written complaint about XXXX ( see complaint XXXX ) Now I am having the same issues/problem with Huntington. 

My XXXX City Taxes are way past due and should have been paid from my escrow account. I have a TAX LEVY letter in hand that both XXXX and Huntington also have. There is {$22000.00} in my escrow account. The taxes due are about {$11000.00}. 

Separate from the XXXX experience, this have been my calls with Huntington. I have been fighting with these XXXX companies to pay my PAST DUE TAXES for almost 3 months now. Here 's the latest : XX/XX/XXXX : I notified Huntington of a TAX LEVY letter that I received for unpaid CITY taxes. The representative on the phone assured me that my UNPAID CITY taxes would be paid within a XXXX business days. 
I was told that my problem would be escalated and that Id get a call back. 
I never heard back NO CALL BACK XX/XX/XXXX : I called back to confirm that my taxes had been paid and was told no, not yet, I was assured that theyd be paid promptly. 

XX/XX/XXXX : I called back again to check status. Still unpaid While on the phone, the representative ( XXXX ) indicated to me that the reason that taxes havent been paid because Huntington received a notice that my property was scheduled to be apportioned. I asked her where she got that notice from. She had no idea. She could not find any such notice. Instead, she said it was just in the notes. 
I then asked her to get my City Tax office on the phone with us, which she did. My city tax department confirmed that they have NO RECORD WHATSOEVER of a pending apportionment. 
XXXX said that shed note that and escalate it and have someone call me back. 

This problem carries back to the former loan servicer ( XXXX ). I have been BEGGING both XXXX and now Huntington since XX/XX/XXXX to PAY THE TAXES THAT ARE DUE TO MY CITY immediately. Both have refused to, given me the run around, and broken promise after promise to pay this bill and also to call me back. 

These are the FACTS : Huntington has a TAX LEVY LETTER from my city The amount of taxes due is CLEARLY STATED on the letter The City had CONFIRMED that there is no pending apportionment And, yet, Huntington still refuses to pay the bill, thus putting me at risk of a TAX LIEN. 

Again, this issue traces back to the prior service provider and I have been fighting to get this paid since XX/XX/XXXX. Almost 3-months of repeated phone calls, faxes, emails. Navigating phone systems. Having every person tell me they understand my frustration and will get it escalated and taken care of. All for nothing. Its not fixed and I am beyond stressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted by certified mail to Equifax, XXXX, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

Equifax Track # XXXX XXXX  Track # XXXX XXXX Track # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The company, ProCollect Incorporated, located in XXXX, TX sent a piece of mail to my home dated XX/XX/2022 stating that I owe {$3000.00} to the account # XXXX with the customer # XXXX. The letter states that the creditor was " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' They have asked me to make a payment arrangement as soon as possible with the agency, abbreviated as PCI, or to pay to the Leasing agency. It was signed by a XXXX XXXX from PCI. 

I have contacted the company to dispute the charge, explaining that this was fraudulently charged and they are adamant that my personal information on file is correct and that the debt is owed regardless. I have since frozen my credit with the three major bureaus and changed my accounts as I am able. 

Please help me resolve this issue as it is very distressing and damaging. 

Thank you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I WAS A PART THE XXXX BREACH, SO MUCH ACCOUNT ARE OPEN ON XXXX, XXXX, XXXX WITH OUT MY KNOWLEDGE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Made a XXXX payment thinking it would cover 3 months, now they say it only covered one month. No provision to defer payments to cover their mistakes. Now going to report account 30 days late to compound the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
The account has {$0.00} balance for many months. Citizen Bank incorrectly reported 30 days late payment on the {$0.00} balance. I have an open case # XXXX with Citizen Bank since XX/XX/2022 but they keep promising to remove the negative information with actually doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX : Has reported my debt twice  that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice  and are also reporting incorrect balances. I called Portfolio who is the other creditor reporting i owe them when its the same debt as XXXX but with a different amount. 

When i called Portfolio they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 to the CEO of Bank of America XXXX XXXX XXXX XXXX Included with my remittance coupon was a remittance letter stating that I was aware that Bank of America has been double dipping on my payments, XXXX being from my personal bank account through an electronic payment method and the other via my XXXX XXXX XXXX trust named after myself. The remittance coupon IS the payment that Bank of America is using to access the funds in my trust AND they were taking my hard earned income. 

The coupon is the negotiable instrument, per UCC 3-104 and by definition from XXXX 's XXXX XXXX, which was accepted by Bank of America via the Postal Rule and was received by XXXX XXXX on XX/XX/2022. The value of coupon was written " Full Balance '' for the total sum of {$7300.00}. Included on the money order was this hand written information : UCC 3-603 and UCC 3-311 . 

I called customer service on XX/XX/2022 noting that my balance had not been discharged for the above mentioned amount. I was shuffled to XXXX different individuals who could not provide remedy to my situation. They did state that they could not find my payment and would open a case. The case # is : XXXX. 

In addition, on XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 and UCC 1-308 to the payment processing center in XXXX, Texas. Included with my remittance coupon was a remittance letter stating the definition of a coupon per XXXX 's XXXX XXXX. The definition states : A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Once again, I called customer service on or thereabouts XX/XX/2022. And again, the customer service rep could not find my remittance coupon which was converted to a money order via my beneficiary signature without recourse. The value of coupon/money order was {$5000.00}. 

The coupon/letter was received on XX/XX/2022 by XXXX XXXX XXXX Included on the money order was this hand written information : UCC 3-104, UCC 3-603 , UCC 1-308, UCC 3-419, HJR 192, 12 USC 411, and 18 USC 8. 

To this date my balance has not been discharged for the above mentioned amount. I have tried on XXXX separate occasions to pay and/or discharge my credit card account via acceptance for value using the attached negotiable instrument, the coupon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00}

Company response to consumer: Closed with explanation