vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
FIFTH THIRD BANK ILLEGALLY FORCE-PLACED HOME OWNERS INSURANCE 2 MONTHS BEFORE THE RENEWAL DATE OF MY OLD SLIDE POLICY, DISREGARDING THE FACTS THAT I TOLD THEM I HAD A XXXX XXXX XXXX XXXX CITIZENS XXXX AND IT WAS BETTER AND LESS MONEY AND THAT I WOULD SUBMIT TO FIFTH THIRD WELL BEFORE THE EXPIRATION OF MY OLD SLIDE POLICY. WHICH I DID PERFECTLY ON XX/XX/2023. AGAIN, MY SLIDE POLICY WAS UP ON XX/XX/2023. I HAVE HAD THIS XXXX. WITH FIFTH THIRD BANK FOR 30 YEARS AND HAVE ALWAYS PAID THEM ON TIME IN SPITE OF TAX AND INS. INCREASES. I SUBMITTED BOTH XXXX AND XX/XX/2023 PAYMENTS WITH THE CORRECT AMOUNT THAT I HAD PAID EACH MONTH ALL YEAR. THEY SENT BOTH PAYMENTS BACK SHORTFALL. FIFTH THIRD TOLD ME I DID NOT HAVE TO XX/XX/XXXX AND THAT I NEEDED TO PAY THE RENEWAL OF SLIDE THEY FORCE-PLACED INS. THAT INCREASED MY XXXX AND XXXX PAYMENT {$1000.00}. MORE A MONTH. THIS IS WRONG, I KEPT THEM UPDATED AS I WAS GOING THRU THE DOCUMENTATION OF THE THE NEW HOME OWNER, CITIZENS AND PROFORMED PERFECTLY AND ON TIME WITH THE NEW POLICY. NEVER DID I AUTHORIZE FIFTH THIRD TO DO WHAT THEY DID AND IN FACT NOTIFIED IN ADDITION TO FIFTH THIRD BANK, SLIDE AND THE INS. AGENCY CONNECT TO ME AND SLIDE MULTIPLE TIMES!..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a capital One CC. I defaulted in late XXXX. Caught up with a large payment of {$9000.00} in early XXXX. Have made every payment. I have spent every dollar, paying every XXXX. They are making a TON of interest off of me. Yet they restricted my card, I understand I DONT want it, BUT they will not let me redeem my rewards. 
Again, I spent the money and I am paying it ... .Yet I can not redeem. 
I have called and spoken to several people and they will not do anything. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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: TX

Complaint narrative:
Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts immediately.

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 2023-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
every time i try to lower my payments they always say that they can lower it however they still say that I have to pay around {$300.00} a month. They are not helpful at all before covid they do not lower it no matter how times i speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
I called Equifax multiple times to let them that they have the wrong name on record. They have XXXX XXXX XXXX XXXX I sent the documents multiple times to remove XXXX as it is not considered a legal name. The record was corrected 7 years ago and then they added XXXX back the record.Also they sent me a credit report shows that removed the 8 credit inquires from XXXX but you go online they still reflect. I dont feel comfortable dealing with people in XXXX XXXX my personal information this is the reason we had issues with data breaches and it violates the United States security for fellow Americans.Everytime I call Equifax I ask to speak to a Supervisor or transfer to a United States customer service they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XX/XX/2023 {>= $1,000,000} received adverse action letter. i responded back in red ink. i also noted to them that my application was a security collateral / interest from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have the right to credit. This is my security collateral i want to utilize. 
If i cant use my security this is security fraud. if i am declined where is my security interest? 
If i continuously declined i am suppose to get line of credit for the amount applied. 
I do not accept this offer. 

I responded with affidavit fact stating that they failed to follow federal laws .Their policy states they participate in federal equal credit opportunity act. They havent provided enough evidence on their decision. This is discrimination. I have the capacity to enter into a binding contract. i also stated that my application was rejected by either a general manger or system they have in place and that i demand a manual review or evidence that they have the authority according to Federal Laws and Regulations to deny me the right to credit or extend credit. The applications ask me question about my employment, my age ( DOB ), race, etc .... i have my rights according to Consumer Credit Act that prohibits creditors from denying any right, benefit, or privilege. I also told them don not ignore this notice they have 5 days to respond back certified mail if they do not respond their silence is validation the claim of discrimination against me Done in Good Faith ucc1-308 without prejudice all rights reserved by : XXXX, XXXX for XXXX XXXX XXXX ( without recourse ) they responded that they would continue with their decision of denying me an extension of my credit. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX XXXX XXXX XXXX  ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a checking account, I called and was told that a soft inquiry would be ran

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 2023-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
On XX/XX/23, submitted small business application for sole proprietorship in response to advertisement of {$1000.00} bonus if certain conditions were met. Despite repeated attempts to inquire on the status of my application, I have not received a disposition. I am of belief and suspect the slow-walking of the application is tied to the {$10000.00} in credit card funding that was submitted as an opening deposit as this funding option has been removed from the application workflow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
got a call from walmark on a XXXX XXXX didnt order amt XXXX call # XXXX XXXX XXXX on caller id threading w legal action and arrest warrant issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated 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 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a XXXX XXXX  and Webster Bank is giving me one problem after another. I went online today and saw that 2 new accounts were opened without my authorization. I called customer service and XXXX helped close the accounts but they were " investment '' accounts that were opened without my knowledge and authorization. 
XXXX XXXX # # XXXX {$0.00} {$0.00} XXXX XXXX # # XXXX {$0.00} {$0.00} I told XXXX that I hope they won't try to charge me fees for XXXX balances. He said they should not. 
Want to make CFPB aware of this because of what happened with XXXX XXXX XXXXXXXX and XXXX XXXX opening unathorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX Shortly after XXXX my account was hacked, and monies were taken from my 'protected ' bank account on Coinbase and invested in XXXX twice. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XX/XX/2023 XXXX XXXX Shortly after XXXX my accountwas hacked again. This time the hacker was allowed to purchase and/or sell XXXX  to other accounts from my account at least three, but probably more, times via various trades and other devices. ( See Highlighted Transactions ) During this period of time, and as before on XX/XX/2023, I was never asked for confirmation nor informed of any of this activity. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX On XX/XX/2023 I contacted Coinbase via telephone XXXX XXXX and spoke with a representative. I requested assistance from the representative, and none was given. The representative was barely discernable and kept-on repeating the transactions I was contesting. In addition, the representative also kept repeating that I owed Coinbase money. Nothing at all was attempted to resolve my situation. 

Coinbase was clearly negligent in not only allowing a hacker to infiltrate my account, but to further allow unauthorized transactions to take place without my consent, or informing me of such activity. Furthermore, Coinbase failed to protect my banking information from said hacker who then easily managed to transfer monies from my XXXX XXXX XXXX XXXX Banking account ( s ) into Coinbase to then be used for unauthorized trading and sale. This fiasco has caused me financial damage and distress over several days period of time and continues to do so as I write this complaint and demand for recovery of lost finances. 

In addition, after contacting Coinbase they made matters worse by offering no repair or recovery whatsoever, but simply demand that I pay them money instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
I opened a checking account XXXX, XXXX 2023 using the promo code XXXX at Axos bank. According to the term, i should receive {$100.00} once i completes all the requirement. I had a {$1500.00} direct deposit to this XXXX account on XX/XX/2023. According to their term, " All eligible awards will be delivered to your Rewards Checking account within 60 days once all eligible requirements have been met ''. However, until the today, I have not received the bonus. Please help me get the bonus i should have gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am in the process of selling my home. I have reached out to my mortgage lender multiple times to better understand my mortgage terms. I've called three different times and have received different answers. To validate terms in writing, I was given an email. I have emailed them four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. I am simple trying to understand if my loan is assumable. 

Lender : Ally Financial Email : 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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC Systems and XXXX XXXX has continued to harass me for a debt not owed. 
This has been removed from a credit report years ago only to show back up on my report years later. 

A salesman called me one day representing XXXX XXXX XXXX. ( I do not recall now what yearn it was ). 
He told me that he could switch me for my then current service provider ( XXXX ) for a promotional fee of some sort. ( I do not recall ). 
He said that he worked directly with XXXX as well and could return my current equipment and switch the service. ( I found out later from XXXX that XXXX had nothing to do with their services. 
A tech had already come out and installed a dish. The dish was not installed at the location the salesperson and I discussed, and I did not have the promotional services as discussed with the salesperson. 
I immediately called cancelled services and requested equipment pick-up. 
On top of the false advertisements and fraudulent sales tactics used, XXXX attempted to withdrawal funds that I did not authorize from my bank account. ( I was able at the time to reverse the charges ). 
I did at one time speak to someone in accounting at XXXX who claimed to make all adjustments needed and resolve the problem. Only to see it on my credit report like a year later. 
I complained and it removed. Now years later it shows up again. 
I am sick of the issue and both the creditor and XXXX XXXX XXXX contention to continue to harass. 
On top of all that< I have not received a collection letter or a phone call from IC Systems since it was removed from my credit report years ago. 
Absolutely negligent and a disregard for people 's 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 2023-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
The Lender on my new Jumbo mortgage is impounding too much money into escrow to cover property taxes and home insurance. The name of the XXXX is : CrossCountry Mortgage LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per CFPB 1024.17 Escrow Accounts ( c ) ( 1 ) ( i ) Charges at settlement or upon creation of an escrow account, I have performed an independent calculation of the Aggregate Adjustment number on the Closing Disclosure and have come up with a materially different number than my lender. 

My calculation shows that the Aggregate Adjustment should be a credit of {$2100.00} whereas the Closing Disclosure shows it as {$790.00}. The lender is padding the escrow account by {$1300.00} too much. 

I attempted to get the lender to fix this up until the last minute at closing, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated 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 explanation