vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Woke up to find my checking account XXXX due to an unauthorized debit transaction of XXXX $ from money lion? I also noticed my email account was changed on the mobile app. I spoke to customer service and immediately filed a claim spoke with XXXX XXXX the chairman of citizens bank who apologized for my inconvenience but I will need to wait until the claim is processed up to 10 businesses days before my money is refunded. I also expressed my concerns regarding the lack of security the bank has provided. She blamed the entire situation on me. Stated I needed to set up an alert system that they could not assist me with that. That I should have set up a new account and transferred all my information over to it, I should have changed my username and password ect. I was told on the first incident that occurred. I explained that the representative told me that the situation was taken care of, and no further action was required I also received the letter stating that my credit from the first incident would be permanent as the transaction was fraudulent and no further action was required from me. I am a XXXX XXXX of a XXXX XXXX XXXX I do not receive any assistance. I can not have my only source of income compromised by the bank. They allowed someone to alter my email address and take large amounts of money from my account with out even notifying me at all. And they refused to expedite the claim because they stated they are processing too many claims at the moment. I have no idea what I am going to do I have no money to take care of my kid or myself this is considered as an inconvenience to the bank and not an emergency as they are not taking any responsibility and are holding me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I received the XXXX rewards Mastercard in XX/XX/XXXX with a limit of {$9000.00}. I used the card and paid monthly on time, then in XXXX of XXXX I received a notice that my credit limit was drastically lowered to {$2600.00} and my balance at that time was {$2400.00}. I then called First Bankcard to inquire why my balance was so drastically lowered and they stated that XXXX  reported to them that my score was XXXX. I then proceeded to state that was not true due to that I have an account with XXXX  and my score was at a XXXX, I also called XXXX  and they stated that a score of XXXX was not reported to First bankcard. I was also advised to send a copy of my credit report from XXXX  to their credit dept. and I did but no response by mail or a phone call after the review. So, at this point I did not use the card anymore and just started to pay the card down drastically so I can pay it off. Then in XXXX of XXXX First Bankcard then proceeded to lower my limit again to {$2200.00} and I called again to get an explanation which was useless because everyone just says we sent you a letter to explain. At this time, I was searching for a mortgage loan to purchase a second home and I did have more inquiries, but none of my other credit cards have either lowered my limit or closed my account. I have all my other cards for years and none have treated me the way First Bankcard have. Now today XX/XX/XXXX First Bankcard closed my account with a balance of {$2000.00}. This will be very harmful to my credit profile. This is not fair that they are allowed to do this to people especially during a time of a pandemic and the way it is affecting people losing their jobs and homes. I have been extremely fortunate to be able to pay my bills on time even through all this and maintain my credit and now to find out that First Bankcard is the only company not helping people currently. All my other credit cards and my mortgage company have been extremely helpful during all of this. I would like an investigation into this company business practices against consumers.

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 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: VW Credit
State: AZ

Complaint narrative:
I have an inquiry on my credit report from VOLKSWAGEN CREDIT. This was not me and I am not currently looking to buy anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Wells Fargo XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company does not send bills or any account notifications. 

Arbitrarily lock and restrict card usage when there is no balance owed. 

Customer service has hung up on me multiple times when calling to fix issues with the card, which is usually multiple times a month. The times that I have been on the phone with them they either barely speak english, or are extremely rude and unhelpful. 

Frequently, the company will take a balance payment and leave card locked for 2-3 weeks. Calling them has had the hold removed immediately every time. 

This company is predatory and needs to be dealt with for the protection of the people that the CFPB is obligated to protect.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Tilt Finance, Inc.
State: OR

Complaint narrative:
I got a loan disburstment into my account that i was told was ok to do it was from a ppp loan the XXXX XXXX XXXX XXXX XXXX they put the money in the account and then the bank froze the acvount and i have been going back and forth woth them for almoat 2 months no resolution i cant talk to anyone on the phone they say email only i cant talk to a manager or anyone for that part amd they wont disclose to me why this is happening and i was told to send all the documentation and i did but its been circles for almoat 2 months now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX  and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I was approved for a debt consolidation, personal, unsecured, installment loan on XX/XX/XXXX. The loan was funded on XX/XX/XXXX, with {$2800.00} direct deposited to my bank account. The XXXX in XXXX form indicates payments of {$20000.00} were send to XXXX as a payoff for one loan I was consolidating and $ {$15000.00} to XXXX for paying the 2nd loan. I confirmed my XXXX and XXXX account numbers on the TIL and online to ensure any payments made on my behalf were applied correctly. Upgrade indicates XXXX XXXX XXXX  sent paper checks to addresses in XXXX, TX ( I have specific addresses if helpful ). I am unable to confirm check numbers, receive a copy of the checks, or other confirmation. XXXX and XXXX have both indicated they never received payment for my loans from Upgrade or XXXX XXXX XXXX. On XX/XX/XXXX, the checks to XXXX and XXXX were cancelled and Upgrade indicates that the funds will be direct deposited to my bank account " in a few weeks '' with a " no later than '' date of XX/XX/XXXX. 

I have been charged interested on all XXXX loans and payments on all 3 loans. Specifically, my complaint with Upgrade and XXXX XXXXXXXX XXXX  pertains to the collection of interest and a payment in the amount of {$950.00} on XX/XX/XXXX for a loan that has not funded. I further express my complaint that it will have over 6 weeks since disbursement of the loan to the date that I will have received the funds. Upgrade/XXXX XXXX XXXX were able to direct deposit the initial difference of funds into my bank account immediately, putting me on the hook for payments and interest on the {$2800.00}, but can neither expedite nor confirm an actual transaction completion date. I remain concerned that I will not see the funds from this loan and have a 2nd full month of interest and payments on all 3 loans.

My final complaint is the lack of response to follow-up with Upgrade. While I have learned to get through their system by selecting options that make me appear as a new applicant, when I call customer service as an existing loan holder, I have waited on hold for as long as 3.5 hours ( but usually give up after 45 minutes on hold ) with NO attendant response. I have emailed and received an automated response that it will be 3 to 5 business days to hear back. My emails sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remain unanswered. I have been given some information by getting to their phone system, but most answers to questions are unanswered. 

Nobody can confirm check numbers sent on my behalf as defined in the Truth in Lending statement. Nobody can tell me how to opt out of the Arbitration agreement with XXXX XXXX XXXX. I suspected the last one and will consult legal counsel if required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2020 to XX/XX/2020, my regular mortgage payment was rejected from Santander saying they did not know what account to apply the payment too. I was not aware of this until receiving a notice that I did not make my monthly payment. The money was showing out of my account via an ACH payment. I called my bank that the payment originated from and they confirmed it was sent the same way it has always been previously sent. I contacted Santander customer service and told them that the money was showing as paid and our of my account. They had me submit an email to start an inquiry and showing the payment from my account. This inquiry went no where. I received some letters stating that they needed time and we're looking into it, but nothing else. In the mean time, near the end of XXXX, the money was returned to my account and that is when my bank told me it came back saying it did not know what account to add the payment too. Since I did receive the money back, when I made my next payment, I doubled it with this returned money. Same thing happened, and I again called customer service when I received a letter stating I did not pay. They kept telling me to just pay my mortgage, not listening to the fact that I did and it was being rejected though my bank said it was being paid the same as before. This payment eventually came back as well. The bank making the payment stopped ACH payments and started sending them by check instead. Have not had issues after. Nothing came of the inquiry I submitted. I was only out around {$40.00} in late fees which was not worth my time to dispute but I have now noticed that they reported on my credit score that I had a late payment. This is false and needs to be addressed.

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 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Tried to close an account, banker kicked me off the chat for saying the bank XXXX. Thus the banker punished me for trying to close the account and I now I have to spend more time trying to close this account. Below is the chat that is timestamped from HSBC. 

XXXX - XXXX XXXX  Close the account Now ASAP I want the money transferred to a savings account Your bank XXXX XXXX - XXXX XXXX  Since your inappropriate language/comments are continuing after being asked to refrain from doing so, I will be ending this chat. 
Conversation closed by the agent - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft CBNA/BBY Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number  : XXXX This is not mine. 

3. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine.

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 2021-07-07 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: FL

Complaint narrative:
I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: UT

Complaint narrative:
Enhanced Recovery is reporting on my credit for a debt I have already paid. I never received any notices from them and when I saw it on my credit this past month I called & settled it immediately. I should have received a notice because if I would have then I would have contacted them immediately. This went to collection in error anyways because I was working with XXXX to pay this.

Company response to consumer: Closed with explanation