vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am an Ohio pandemic unemployment recipient. My funds have been frozen on my usbank reliacard since XXXX. 2 payments totalling XXXX are being held after verifying my identity several times. They have requested my State issued ID, proof of social security, tax documents, and a selfie, all of which I've sent. These are the same documents that Ohio unemployment insurance accepted to verify my identity.

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 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Original Debtor XXXX care Hospitalists XXXX XXXX XXXX XXXX XXXX NV XXXX Gave My Treat information along with XXXX XXXX XXXX, cost and dates of service to Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX which is a XXXX violations as collection agency can not have my medical records XXXX charged XXXX and the other XXXX which 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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Due to COVID, my tenants unexpectedly breached their lease and I wanted to take advantage of the Federal COVID relief by forbearing three mortgage and interest payments on my loan. This was verbally discussed with my lender, US Bank, and they didn't charge me late fees for this period. 

I got new tenants and resumed payment on my loan on XX/XX/2020. I paid my XXXX and XXXX payments ( mortgage, interest, escrow for taxes and insurance ). US Bank submitted a Payment Deferral Agreement to me on XX/XX/2020 for a deferral of 5 months. 

I've spent hours on the phone trying to get them to change the Deferral from 5 to 3 months and they have been unable. Today I lodged a " formal internal complaint '' with them and created this CFPB complaint in an effort to get this resolved.

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 2020-10-28 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: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I was affected by Covid. I contacted Citizens OneHome Loans ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted Citizen One Home Loans and are working with them on the back payments. Citizens One Home Loans has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, Citizens One reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting Citizen One Home Loans with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting XXXX accounts with negative information. I requested proof of such bad debt and they failed to provide any proof, just referred me to contact the creditors. 

I contacted the creditors ; XXXX XXXX and XXXX, and neither XXXX provided any proof. 

Both accounts still showing on my Experian credit 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 explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I am trying to redirect my excess payment towards the second credit balance on my TD credit card ending in XXXX, but to do so i have to call since automated system and online system will not redirect excess payment to customer requested balance but always applies it to an older balance. It is on their website, to call and instruct the 'human agents ' to apply the excess payment to the deferred interest balance of customer 's choice. 

But XXXX does not provide human assistance even after being on hold for nearly an hour every day. They wall off customers with an automated service that is useless for the purposes mentioned. And when a human agent is requested the customer is put on hold forever due unspecified external reasons. Making the customer unable to pay off the loan to the deferred interest balance first and forcing the customer to pay the interest. 

Have never seen a more incompetent customer service and bank than XXXX XXXX 

The phone humbers they give me on the statement is XXXX And the customer agents who claim to be just handling online services transfer me to another department phone which is XXXX where i wait for hours everyday just to get some human to redirect and apply my payments. SO far i am unable redirect my excess payment to the balance of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I was notified today ( XX/XX/XXXX ) by my credit monitoring service about a recent hard inquiry to Equifax from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never requested any type of lending from XXXX XXXX nor have I requested lending or a credit card from any other entity sine XX/XX/XXXX. I am concerned that someone XXXX have my information. I have put a freeze on my Equifax credit reports and a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I received today this weird mail From XXXX XXXX XXXX about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding XXXX km More than tolerance level. The ticket is for XXXX 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX consumer enrolled with XXXX XXXX XXXX sponsored by XXXX for payday loan debt assistance through a negotiation process for consumer for 15 months ( shorter or longer ). Consumer completed a DocuSign document, enrolled in the program and began making the necessary payments of {$180.00} by debit every two weeks towards these and other debts. These debts included XXXX XXXX, medical debts, etc. However, one year after making payments, consumer began to feel uncomfortable and noticed that monies that were to be used towards paying down the debts were being applied towards a " Financial Success Kit and Identity protection plan ''. Consumer requested this to stop and then double-checked account payments. XXXX assured consumer that most of these debts had been settled -- including XXXX XXXX. Consumer verified this as well. Consumer did not receive any further calls or mail notifications from these companies and assumed that the debts had been paid. 
XX/XX/XXXX -- Consumer viewed credit report and discovered that National Credit Adjusters has bought the " XXXX XXXX debt '' and placed it on my credit report in the amount of {$1800.00} and updated it to be ongoing beginning XX/XX/XXXX. This debt is from XXXX. The amount of the debt is inaccurate and has been placed on my credit TWICE. National Credit Adjusters is not the originator of the contractual debt. Debt has been paid according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Contacted the bank thru message center, no reply. 
paid off credit card a/c 's on XX/XX/20 unable to access auto pay settings on the banks website to manage autopay. 
can not make the change needed bank charging interest on XXXX balance, making debits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I received Notification that a new collection account was placed on my credit report by Credit Management for XXXX XXXX for {$260.00} account number XXXX. 
I immediately called credit management to discuss the bill. Representative stated they received the account from XXXX XXXX in XX/XX/2020. Explains it a wrap I did not order them any money I paid the account to a different collection agency in XX/XX/2020. I was told to contact XXXX XXXX  formally known as XXXX. 
Call XXXX  XXXX  XXXX  gave the rep the account number and was told I had a XXXX  balance. She ran my Social Security number in our system and I did not have any other accounts she can not explain why the account was sent to a different collection agency. She had her supervisor to look at the account and a supervisor said the same thing a ticket was created and was sent to the department to handle this account to have it removed from the collection agency and removed from my credit report I was told to call back in three days call back on Tuesday night The representative told me the same thing the account he pulled up had a XXXX  balance and he could not explain why he was sent to a collection agency I had to give the specially handling department time to review the case to call back on Friday. Call back again today and spoke to another representative she also looked at city account and could not explain why an account with a XXXX  balance went to a different collection agency she had her supervisor to look at the account her supervisor said the same thing another ticket was created and I will provide both ticket numbers. 
Bill with XXXX  Total Bill {$780.00} Received Credit {$310.00} for equipment Balance {$460.00} The account was sent to XXXX XXXX collection agency Account number same account number XXXX Set up a payment arrangement to make 4 payments of {$120.00} Payments made XX/XX/2020, XXXX & XX/XX/2020 Ive included a copy of my credit card statement showing payments to 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 non-monetary relief
Consumer complaint received 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed this Chapter XXXX several times due to inaccurate information ( address, case number ; its all wrong ). I filed the initial dispute with all three credit bureaus on XX/XX/XXXX. I received a notification from XXXX  on XX/XX/XXXX that the Chapter XXXX had been validated. On XX/XX/XXXX, I received a person email from XXXX stating that they could NOT authenticate me in their system ( because I disputed through CFPB ) and they needed me to fax them copies of my SS card and license ; or send them by email. The issue is this : 1. It is not up to me to bear the burden of proof to authenticate who I am to them. When I submitted the CFPB dispute ; I gave you my last 4 of the social, birthdate and complete address information. I called XXXX the same day gave them all of the information that they requested and they STILL could not authenticate me. When I filed this dispute ; it was filed through the CFPB which shows the last 4 of my SS # and my birthdate and address. That is how they got my email address. 
2. Due to the number of data breaches etc., I do not feel comfortable sending my information to them via fax or email. Again, I do not believe I should have to send this information to them. They should have this information handy if they are sending this information to credit reporting agencies on a regular basis. 
3. Based of the fact that XXXX  stated that they received validating from XXXX and then XXXX couldn't verify me. Something isn't adding up.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I requested that Lexis Nexis place a security freeze on my Consumer Disclosure and they have not even taken the time to answer my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I had my mortgage over 30 years. Select Portfolio servicing bought the mortgage. I was in a modificaton. When it ended I was informed that the maturity date on my mortgage came. I am being denied any type of hardship. Now they are threating to foreclose on my home. I am a senior citizen and a XXXX veteran and I don't want to loose my home. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.

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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I received today this weird mail From Cedar Business Services about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding 10 km More than tolerance level. The ticket is for {$810.00}. 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
First, this is the dispute I filled with Citibank. Dispute case XXXX APPEAL Hello, I am disputing/ case XXXX  XXXX on my debit card ending in XXXX This charge was made on XX/XX/XXXX i n XXXX FLORIDA . I did NOT authorize this nor did I make this purchase. There were 3 changes on XX/XX/XXXX XXXX for. {$68.00} 1 for {$38.00} and another 1 for {$290.00} All made in Florida I LIVE IN CA LIFORNIA and did not make these changes! NONE of these belong to me. Credit for 2 of them was issued back however you are not crediting me back the XXXX.. Please look into this and have this cleared up. If you have any questions please feel free to contact me at XXXX. Citibank will not credit me back the {$290.00}. They claim there is not enough evidence even though the y credited me back for the other 2. all of these charges were at the same place at the same time. 
I am not getting any resolve from citibank. They have been looking into this for several months a nd I keep getting the run around and keep getting transferred from person to person telling me t hey are looking into this and yet no resolve. I went into Citibank on XX/XX/XXXX spoke to a woman name XXXX  XXXX phone is XXXX who told me that she would help and could see the change was obviously not mine. She then went on vacation for 2 weeks, upon return I called her on XX/XX/XXXX S he told me she was in the middle of an audit and would not be able to help me then said I'd have to take this up with the dispute department that she could not help. That is what I have been doing for MONTHS! Please help me resolve this as I can not get help from Citibank. they are not protecting me or my money Thank you, XXXX 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 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed an SDI claim with the State of California EDD office. The State of California EDD office issued the payments to my Bank of America EDD debit Visa card and I set up automatic transfers of the full amounts to my bank account ( checking ), however, none of the payments were transferred to my checking account. The payments were supposed to be transferred as follows : XX/XX/2020 - {$89.00} XX/XX/2020 - {$620.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$400.00} XX/XX/2020 - {$620.00} All of these transactions appear on my B of A EDD card account as transferred however the amounts never ended up in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions, LLC (KY)
State: OH

Complaint narrative:
On XX/XX/XXXX I had a sever XX/XX/XXXX I could not get into see my family doctor. I called my insurance at the time. They recommended a urgent care facility instead of an emergency room. The cost would be less. I went to the urgent care which was in my provider list. When I arrived they checked me in took my XXXX co pay for urgent care. I saw a PAC who sent a prescription to my pharmacy. There were no tests or further interaction. I went home, about 3 months later I received a bill from XXXX XXXX XXXX in XXXX Oh, the amount was XXXX. I called my insurance and they told me that the billing was incorrect and that XXXX billed it as a XXXX, that copay would have been XXXX. I called XXXX and told them they needed to resend the bill as they had collected my copay from me as a urgent care. They said they would send it back thru. I only had the insurance until XXXX of that year I then turned XXXX and my insurance went thru XXXX. I did not hear anything from anyone on the bill until XXXX on XXXX. A collection agency sent me a demand letter for the XXXX. I called them explained the issue. They deemed it uncollectible. Again a period of time went by about 18 months. Then I received another demand letter from Credit Solutions of Kentucky, I again called explained the situation, they told me that XXXX said I owed it and if they said I owed then I did. I said I was not paying it. I started getting phone calls daily, I finally told them I was not excepting anymore of their calls and the woman told me the calls would not stop. And they did not they call sometimes several times a day some weeks every day. I am not going to pay this I do not owe it. I have kept my call log since XX/XX/XXXX when she told me that the calls would not stop. I answered one more time and told them that they can take this issue to court I would be happy to take the issue before a judge. I want the harassments to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.

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