vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/2016, I updated my mailing address ( which was previously a po box ) to my current residence/mailing address. At that time, I opted out of online statements and contacted Barclay to update my address so I could continue receiving my credit card statements timely at my current mailing address. Unbeknownst to me, my address was not updated correctly by the customer service representative who assisted me which resulted in one missed payments ( two dings on my credit report 1-30 day and 1-60 day ) before I was able to correct the issue and bring the balance currently. Please note that my account was paid timely and in good standing with XXXX missed payments before Barclay 's made this error and has remained in good standing to date. Barclay refuses to remove the late payments despite it being their fault that the account was not updated with the correct address upon my request, despite various disputes over the years.

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 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
2 unauthorized transactions were taken off of my chime account chime was notified and a dispute was filed. Chime later stated the dispute claim was denied and no funds would be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have my mortgage with US Bank, last year I reached out to them since I was on unemployment during COVID. They placed me on deferment and any payments deferred would go to the end of my loan. I contacted them in XXXX asking to be removed from deferment since I had returned to work full time. I was told that my payments would resume the first of XXXX. I received a letter the end of XXXX informing me that my deferment had been extended 3 more months. I did not want them extended. I contacted XXXX XXXX and informed this to the representative who informed me she would note that I did not want to be placed in deferment and have someone reach out to me. No one reached out to me. Then after yet another 3 months of being in deferment, my payments were to resume XXXX. I get yet ANOTHER letter informing me that my deferment has been extended yet ANOTHER 3 months. I filed a complaint with the CEOs office and had a VP of operations contact me and he apologized stating that they dropped the ball and were not expecting all the deferments that they had due to COVID. He stated he would escalate my case and have someone reach out to me. No one reached out to me. I finally after 63 people that I spoke to and know one was willing to assist me, a representative got the information from me and I FINALLY received a letter that I was out of deferment and my payment would automatically resume in XXXX and be automatically withdrawn from my account. Here is is XX/XX/XXXX and my house payment STILL has not been taken out of my account. I have been on hold for 93 minutes with no resolution. I received a letter recently, before the letter regarding me coming out of my deferment, that I was the one that requested the extension. THIS IS A FLAT OUT LIE and anyone looking into my account can see how many times I have called to try and resolve this. I need help with this matter, I do not know who to turn to, no one is willing to help me and I XXXX not know what to do.

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 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My business checking account was frozen in XXXX due to a fraudulent check being processed by BBVA. Upon reviewing the check it was plain to see that it was not one of our company checks. We were told to set up a different checking account so that this wouldn't happen again. But that is easier said than done as we are paid electronically by insurance companies so a lot of work including verification is required make this happen. 
In the meantime a business relationship manager at BBVA continued to manually process payroll and other bills at our request. 

After the buy out was finalized on XX/XX/XXXX we no longer had access to the business relationship manager. Not sure what happened to him. I was also unable to see all my accounts at BBVA now PNC. On XX/XX/XXXX I went into the XXXX branch in XXXX to get the account unfrozen. XXXX XXXX the teller wasn't sure how to do it as she hadn't been trained in the new way to do this yet. And I believe her as I have worked with her for years. She is outstanding!! 

Despite follow up phone calls on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX nothing is happening. Each time I'm told that a review team " will get to work on it '', but each time I call they seem to have no notes on my previous calls and also are unsure why the account was frozen to begin with. This isn't surprising as I also have no statements available online prior to merger. For a bank they're record keeping is awful!! 

The bank seems to not care at all about my challenges to pay employees, bills, etc when I don't have access to my businesses funds. They are acting like it's their money!! 

Also it's difficult to determine how my business is performing when my book keeper is unable to complete routine monthly book keeping without having access to statements and downloads.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Applied for a XXXX XXXX card on XX/XX/2021. After making my application XXXX made two hard credit checks using two slightly different names ( XXXX XXXX XXXX and XXXX XXXX ). The second check occurred almost immediately after the first and was not authorized. 

After calling XXXX the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.

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 2021-11-08 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: TX

Complaint narrative:
Complaint : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b.

TransUnion must remove all information reporting from and relating to XXXX XXXX ( Original Creditor 10 XXXX XXXX ) including third party debt collection accounts associated with XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) : Account # : 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 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have no clue what this debt is pertaining. I have tried to validate this debt with the address contained on my credit report as well as looking up the company on XXXX. Both letters sent to the address were returned to me. Whatever this collection might be, it seems like it's past the 7 year reporting timeframe. The credit bureaus, also did not assist me in rectifying this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 33 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank purchased BBVA Compass and the conversion of the bank accounts from BBVA to PNC has been a disaster. Once the conversion took place, I no longer had access to my BBVA online accounts, all my bank account numbers were switched, and I still do not have access to our BBVA bank statements prior to the conversion. Also, all my " Bill Pay '' payments scheduled to be sent by BBVA were no longer sent out by PNC. This caused payments to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Exchange Finance Company
State: TN

Complaint narrative:
I have asked Exchange Finance to Validate the alleged debt they keep calling stating that I owe and Im not getting any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
I am writing this complaint to remove 3 inaccurate and fraudulent accounts from my credit report in the amount of {$220.00}, {$130.00}, and {$120.00}. Enhanced Recovery Company LLC continues to report false and unverifiable debts to the Credit Bureaus. This company continues to violate the FCRA AND FDCPA laws and regulations. Enhanced Recovery failed to contact me about the supposed debts before placing it on my credit report. I have NEVER done any business with this company. I have not requested, received, accepted or utilized any goods, tasks, or services with them. I have no contract with Enhanced Recovery Company, verbally, written, expressed, or implied. Through certified mail, I have repeatedly requested chain of custody. This company has failed to provide me with an original contract bearing my signature with specific dates, as well as proof of their authority in this matter. Enhanced Recovery has failed to provide ANY documents proving that this debt is within statue of limitations. They have failed to provide all purported assignments, sales, and/or transfers of the alleged account and debt in question, a verified itemized statements of all services, money, property, or insurance. In summary, Enhanced Recovery Company has failed to provide all documents that they intend to rely upon as proof should this action end up in a court of competent jurisdiction. They havent provided EVIDENCE to prove this accounts accuracy. I ask that they close the account, remove the item from my credit reports, and do not resell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
1. The account holder banked with BB & T.

2. The account holder was deemed to be unable to manage her property in a legal proceeding for the appointment of a guardian of property and of her person.

3. BB & T accepted the Court Order appointing the guardian and the guardian began managing the account and paying the ward 's bills.

4. SunTrust and BB & T merge and become Truist. 
5. Truist 's On-line banking system will not permit on-line bill pay access for the account. 
6. The XXXX calls Truist Customer Service seeking a resolution and gets sequentially referred to someone who will handle the inquiry. 
7. Truist personnel advise that it is the bank 's " policy '' not to let a guardian access bill pay features of its on-line services. 
8. It is pointed out that a guardian is the legal equivalent of the account holder and can transact all business, from closing and account to paying bills.

9. Bank personnel advise without explanation that it is simply the " policy '' of the bank that he can not do so electronically, and that the guardian has to use written checks to pay bills 10. This makes no sense to the XXXX, since, for example, he can clearly close the account, he asks who is responsible for establishing this " policy. '' 11. Bank personnel avoids the questions, refuses to respond and advises in effect that the policy is the policy. 
12. Bank personnel suggest that the guardian change the nature of his relationship to the account in its records, which, it is pointed out, would be improper since he is court appointed, and doing so would be a misrepresentation and misconduct by the guardian.

13. A request to speak to a superior is denied.

14. A request for contact information for the source of the " policy, '' is not only denied by Bank personnel, but the existence of such a place is denied. ( Which has to be an outright false statement, i.e. a lie. ) 15. No explanation is given, and even the means to request an explanation or to suggest a change in the " policy '' is denied.

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 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX charged a {$17.00} purchase to a credit card ( XXXX prime card managed by XXXX XXXX ) which I'd cancelled several years ago. 

XXXX then auto drafted payment from my Bank of America checking account. When I used the card and the account was active I had it on autopay. The account was over drawn so Bank of America rejected the auto draft and charged me {$35.00}. 

This process repeated itself 5 times. Bank of America agreed to waive two of {$35.00} charges but wouldn't credit me for the remaining charges. 

I asked what benefit or service did I receive in return for the {$35.00} charge, they indicated that according to banking agreement I would be charged {$35.00} each time the account was overdrawn and another bank attempted to draw payment. I escalated my request to a supervisor who called me. I plead my case but he would not issue any further credit. I asked if I could escalate the case further and he said there was no process for doing so and indicated that if I had no questions related to other matters that he would terminate the call and hung up on me. Bank of America employee XXXX employee id number : XXXX While the {$35.00} fee may be buried in the fine text of the agreement and perhaps legal to the letter of the law this is nothing more than extortion and the bank taking advantage of individuals who have no recourse. If the bank paid the credit card bill and then turned around and charged me a fee for the service I could at least say there was consideration offered for the charge. This was nothing but an excuse to extort funds from individuals already under financial duress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On or about XX/XX/2021, I noticed a negative report on my credit report, an account I did not recognize. On or about XX/XX/2021, I initiated a dispute with the credit agency, explaining that I did not recognize the item. At the same time, I mailed a letter to the data furnisher. My credit report has not yet been updated.

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 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Lending Club Corp
State: VA

Complaint narrative:
On XX/XX/21, I received a bank statement from Lending Club Bank in the mail regarding a bank account that was fraudulently opened under my name. I called Lending Club Bank on XX/XX/21 informing them that I did not open up this account. The customer representative acknowledged that this appeared to be a case of identity theft and that my name, SSN, DOB and address was used to open up this account under my name. He indicated that an investigation will take place and assured me that I would not be financially responsible for any of these charges. He instructed me to contact the Federal Trade Commission, credit reporting agencies, my bank and the local police department. I am currently in the process of contacting these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Complaint summary : On XXXX XXXX, I pre-paid in FULL, the amount of {$530.00} for PET DAYCARE services for my pet dog. 
Note : Services NEVER rendered. 
Start date : XXXX XXXX End date or good through date:1 year. 

Issue : On XX/XX/21, XXXX XXXX ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. 

Applicable regulations : UDAAP Unfair and Deceptive Acts and practices for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with Reg Z for billable dispute.

Reg Z : Conduct a reasonable investigation within 30 days. Note : How do you dispute an amount paid to a company that is CLOSED and filing for Bankruptcy out of the blue? 

Desired resolution : Full refund back to my credit card totaling {$530.00}. 
pursuant to the Regs above. 

Next steps : In filing this Federal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ), I will send this copy to the Nevada Office of the Attorney General and Local channel XXXX Action news to shed light and awareness to other innocent consumers/victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
My payment came due on XX/XX/2021, on XX/XX/2021 I was contacted by XXXX main the agent calling ( a woman XXXX said if I scheduled my payment on line or over the phone with her I would not be contacted again. After I got off the phone with the lady I went on the website and scheduled my payment for XXXX for {$330.00} which is the amount showing past due their website. On XXXX XXXX main called my cell phone at XXXX pm and XXXX pm according to their records, they didn't leave a message and then called my employer at XXXX pm on XXXX. When I received the message from my employer I returned the call to XXXX main and after being transfer once I spoke to XXXX. I advised XXXX when I completed the loan application I requested to not be contacted at work, as this isn't allowed and against company policy. I was assured during the loan process they would not contact my employer. XXXX then explained they were calling because a late fee would be assessed on XXXX bringing my past due amount to {$350.00}, I had only scheduled a payment for {$330.00} as that is what the lady advised I needed to pay back on XXXX when I set up the arrangement for the past due amount. I advised XXXX he cant contact me at my place of employment and inquired as to why they were calling when I had a payment already scheduled to come out of my account on XXXX, at which time he advised because as of XXXX the amount would be {$350.00} ( includes a late fee ) vs the {$330.00} that I was originally told to pay. I don't understand why they are calling me to collect a late fee that hasn't even posted to my account yet, especially when I communicated to them and had a payment schedule on line already to take care of the past due balance.

Company response to consumer: Closed with explanation