vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I submitted a fraud claim to my bank for non authorized transactions made with my lost debit card. They provided me a provisional credit during the investigation. After some weeks I saw those credits being cancelled without any letter or comunication from the bank explaining the situation. So I decided to call them and they told me that the reason for denied the claim is because " I made business with them before '' situation that is totally false, Investigating this further I noticed that the " charge name '' is not the store, is the payment processor called " XXXX '', so I had more transactions with that name so the bank thinks that XXXX is the name of the merchant. I explained them this situation that XXXX is a payment processor and not the merchant name, so they reopened the case, also requested to submit a police report and since then my account is overdrawn without any solution for this issue. 
I submitted all I was requested to the bank and even that they didnt do what they need to do to solve this fraud claim. 
The original claim was submitted on XX/XX/2021 with the number 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 2021-12-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX I am filing this complaint myself I am not a third party nor an attorney. 
The reason for my dispute is -XXXX XXXX XXXX # XXXX {$510.00}, -XXXX XXXX XXXX XXXX XXXX $ XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.

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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND SEEN THAT AN ACCOUNT IS REPORTING AS A COLLECTION ACCOUNT 0N MY CREDIT REPORT. THIS IS INACCURATE AND IDENTITY THEFT. I HAVE NEVER HEARD OF THE COMPANY BEFORE NOR HAVE HAD ANY BUSINESS, COMMUNICATION OR SERIVCE WITH THEM. I AM NOT EVEN AWARE OF THIS COMPANY AT ALL. THE AMOUNT THAT IS BEING REPORTED IS {$130.00} WHICH I DO NOT OWE BECAUSE THIS IS NOT MY ACCOUNT. I HAVE DISPUTED THIS ACCOUNT WITH XXXX AND XXXX BUT NO SUCCES IN THE REMOVAL OF THE ACCOUNT. I HAVE SUBMITTED A POLICE REPORT AND AFFIDAVIT AND STILL THEY REFUSE TO REMOVE IT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Freedom Mortgage Company
State: CA

Complaint narrative:
I hired a company called XXXX XXXX to monitor my credit and protect me from Identity theft. On XXXX, I was informed by XXXX XXXX that Freedom Mortgage company has reported to the Credit Bureaus that one of my accounts is in major derogatory. I don't have an account with them in major derogatory, and all my mortgage payments are paid on time. I have been waiting for the final documents that follow the modifying agreement for the past 4 months, and I haven't received them from the freedom company. I have called the freedom company many times and still haven't received the documents that I have been promised by the freedom company that I will receive them. The incorrect report from Freedom to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely. Also, I have been told by the XXXX XXXX representative not to pay until I receive the final documents that follow the modification agreement; however, I kept paying. I made my last payment on 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 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TB Banks USA NA has exposed my personal information with different Law offices here in the city. I am getting all of these Law suits from different Law offices telling that T D Bank has File a Lawsuit against me I was never aware of a Lawsuit I have file a dispute on my credit report about the amout of the payment that I owe XXXX is looking into the matter and nothing has gotten done I dont think TD Bank be allowed to exposed my credit card information like that and share my personal information to other Law firms this information should have been between me and the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I paid the account for this XXXX credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called USAA and paid and was assured the balance was zero. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, USAA  has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of USSA for not alerting the customer of these bogus interest fee charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : Experian, XXXX and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.

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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I have disputed this account a couple of times and they fail to show proof of me owing any debt to them

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 2021-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
On two occasions, two separate credit card accounts that had credits owed to me were hidden from my dashboard. I only became aware that funds were due me and that I needed to submit a request for payment when I inquired by phone. 

I believe this is institutional and deliberate, as the telephone customer assistance was unaware that these accounts were inaccessible to me, and unable to explain why that might be the case.

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 2021-12-16 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:
Transunion is still reporting inaccurate information on my credit report after I have disputed this information several times, sending drivers license with correct address information and the police report filed when this happened. I was a victim of identity theft when several accounts were opened under my name and Transunion did not investigate or try to resolve this matter. I am in the process of buying a home and because of this issue I have been unable to provide a home for my XXXX. This is why I want to file a formal complaint against Transunion since XXXX and XXXX have investigated this case and deleted the incorrect information. This is unacceptable and it is my right under the FCRA to have this information deleted from my 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
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/21 received text said FreeMsg CHASE BANK FraudDid you attempt a {$1000.00} $ XXXX YES or NO Case XXXX Top Opt out reply STOP I texted back NO FreeMsg : CHASE fraudDept THANKS! We will be contacting you shortly. 

They withdrew {$500.00} then {$400.00} through XXXX while I was on the phone with them he called me. 

I've contacted Chase Bank approx 10 times and have spoken to many managers. They say as it's XXXX they can not return funds to me. The claim has been denied two times. today they said they are putting it through 'third time as a courtesy ' but I said what's the point you are just going to decline me. It's XXXX this is my money to buy my kids gifts. 

I showed them the text and phone numbers of phone call origination, proof that I called the number back, then called XXXX after I found out I was tricked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/AMERICAN EAGLE PLCC listed on my XXXX Credit Report is reporting a payment made on this Charge Off account on XX/XX/XXXX for {$51.00} last payment made on this account was XX/XX/XXXX. This account has not had money sent to it from myself and has been in charge off status since XXXX. Each month they also report activity with Charge off/missed payment. The credit limit listed is {$1500.00} and they are reporting a balance of charge off is {$2000.00} I have disputed this account multiple occasions violating my consumer rights and this company still inaccurately reports damaging my credit score and 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
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Wayfair credit card has been frozen for more than 2 months. No one can help. I dont even know the reason. Every time I check in, I cant talk to the customer service department at the phone number on the back of the card. Instead, Im transferred to a Wayfairs. In other departments, I even asked them to transfer to the customer service department, but every time it was blocked, and strangely they asked me to explain why I need to transfer to the customer service department, and it is necessary. The last time I even deceived me and the translator and put me and the translator on the line for about 20 minutes, knowing that the translator asked me to call again because there was no answer for too long. Every time I call in, I am only told that I need my personally identifiable information. This is to protect my account. I will receive a phone call or text message from the bank within 24 to 48 hours, or the bank will send a letter It may take 7 to 10 days to contact me. However, I have been waiting for more than 2 months without any news.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: INVESTORS BANK
State: NY

Complaint narrative:
I lost my car on XX/XX/2021 and 6 transactions were made using my Investors bank debit visa card. I opened a claim with my bank and they gave e provisional credit for only one of the 6 transactions. After a few weeks the claim for those other 5 transactions was declined because the conctacless was used for the payment, something that doenst tell anything if I authorized or not those transactions. 
I reopened the case saying that doenst make sense that answer and more if one of the transactions was approved to get the money back and the other 5 dont. Since then Im still waiting for an answer and my money back. 
Claim number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Paramount Capital Group, Inc.
State: UT

Complaint narrative:
I took a loan out with them to get my semi truck license. They tell us if we don't pay the loan they take away our license and put us in prison for non payments. They also never have a set amount on intrest like when I pay XXXX one month XXXX will go to intrest and then the next month only XXXX will go to intrest the next month. They will also hound me call when I first got the loan called ever 30 minutes back to back XX/XX/XXXX. I also got an email from a trucking company saying they like to higher me and they take on my loan. Im wondering if they sold information on my loan to other trucking companies without my permission. Recently they been calling me when I'm sleeping as I work nights. An because of its been braking my XXXX hours of sleep I need to operate my semi truck safely. The intrest rate is also never the same amount it always changing every time I pay. I also have not gotten a email or mail saying how much went to intrest and how much went to the the principal. Since this XXXX and there are some month where I never got the mail or email on the loan. Also they changed address and never up date the paperwork I used to get In my email. I had to call them to get where I was to send the payment to by mail and it was frustrating. Some time I send them a money order in the mail around the XXXX or XXXX and they won't deposit it till the XXXX or XXXX of the next month and clam it was late an such. I did that for a few months before I got sick and tired of them sending me an email saying it was late then not deposit it till later. know I have pay about XXXX in total so far and the loan was only XXXX if I remember right. An even working with them is hard as they sometimes will give me XXXX for over paying them at times. They also never told me what the total amount for of money that be for interest. The paper says it's 18.99 % but never said the amount of interest is like XXXX I believe is about the interest. I have also heard from other truck driver will pay it off an the loan an the company will reopen the all ready pay loan again for no reason. I'm wondering if i have all ready pay off the interest and they are just tackle more on. I was also looking at my state license so they have a license for debts collectors and another one but there corporations license has been expired since the XX/XX/XXXX. Doses that affect them being able to do business here? Know there over charge me and there not telling me how much I have left on intrest only how much is on the principle. An I thought it was supposed to be group together as a total. As when I bought my first car they had shown me intrest and values an other stuff add together to show the total I was to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CO

Complaint narrative:
I wrote a check to XXXX XXXX for my water bill. I made a mistake writing the check and wrote {$1000.00} in the number part and wrote {$110.00} in the number part of the check. Banks are required to use the number part of the check. XXXX XXXX processed the check with XXXX Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX at XXXX bank and was told I was correct and the {$110.00} amount should have been the correct amount. She stated XXXX bank processed the check thru US Bank XXXX XXXX XXXX XXXX on XX/XX/2021 and was told they could not find the money. I have spoke with XXXX numerous times and keep getting the same story. It appears to me as if US Bank and XXXX bank are being evasive about refund my {$910.00}.

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 2021-12-16 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: CA

Complaint narrative:
I am disputing public record which displays a bankruptcy. I disputed the bankruptcy with XXXX and received a response that the bankruptcy stays as reported. XXXX stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.

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 2021-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I applied for my SCRA Benefits for XXXX XXXX XXXX. The Company informed me via phone, that my APR rate would be lowered from at 4.77 % to a 3 % due to the SCRA benefits. However, that never happened. I have been reaching out to this company for over an year now, still no valid response. The only thing I am being told is that the system is down, so they can not apply the SCRA benefits to my account. I paid the car off last XX/XX/2020, and initiated my SCRA benefits with XXXX XX/XX/2020. 

I did not receive anything in writing from this Company, I requested numerous of time and never received anything. 

I do have emails I sent them with my requiring documents, as well as follow up emails tracking the status of my SCRA benefits. 

I was also informed that I couldn't talk directly to their SCRA department, so I was only able to talk to supervisors and they would email the SCRA department directly or provide me with their email, which I have emailed them numerous of time as mentioned.

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