vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX. Webster Bank told me in the letter that they were closing my account as of XX/XX/XXXX " due to information received XXXX. XXXX  did not make the decision to deny your account application and is unable to provide you with the specific reasons why this decision was made. '' They provided me a number to call XXXX  but when I called XXXX  to ask why my account was closed, XXXX  told me to could not provide that information. When I called Webster customer service, they told that I would need to contact XXXX  myself but I told them I already have and had already received a report from XXXX. I could not find any reason why my account would be closed from the report. They told me someone from their Fraud and Loss Management Department would call me about my account. 

I'm confused why my account is being closed. I'm very concerned that they're closing my account because they do not want to pay out the {$250.00} checking account bonus offer that they sent me in the mail in XXXX. I still have the postcard for the account bonus mailer. I have already completed all their requirements for this promotion. Their terms say : " Promotion valid for new checking accounts opened by XX/XX/XXXX. Customer must qualify for account and reside in NY, MA, or CT at time of account opening and promotion payout. Customer must have direct deposit of {$500.00} or more ( direct deposits are limited to payroll, Social Security, pension, or government benefits, person-to-person transactions like XXXX or XXXX are excluded ) between account opening and XX/XX/XXXX. OR Customer must have an average account balance of at least {$10000.00} for Premier Checking or {$1000.00} for Value Checking XX/XX/XXXX to XX/XX/XXXX. Customer must not have had an open Webster checking account since XX/XX/XXXX. At time of payment, account must have a positive balance and not be in the process of closing. Funds will be transferred into it by XX/XX/XXXX and will be reported by the IRS ; customer is responsible for any applicable taxes. Present this postcard to receive the offer. Offer is exclusive, nontransferable, and can not be combined ; one per household. Ask a banker for details. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: KS

Complaint narrative:
On XX/XX/2020 I received 2 letters from XXXX  XXXX  XXXX  asking me for money to pay a debt I do not own. They said that the creditor is XXXX XXXX XXXX. I'm very worry because they have my personal information. And all my debts are payed. They said that the balances are {$2.00}, XXXX and {$6.00}, XXXX. I tried to call them but never answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My loan at XXXX is in the process of being transferred to Loancare, LLC/XXXX  According to XXXX, the effective date of transfer is XX/XX/XXXX According to Loancare, the effective date of transfer is XX/XX/XXXX. 
I have already made my XX/XX/XXXX and XX/XX/XXXX loan payments to XXXX as of XXXX XX/XX/XXXX and XXXX XX/XX/XXXX respectively along with additional {$600.00} principal amount for each of those two payments. 
Loancare has been making daily phone calls to me including on weekends asking me to call back and when I do they say I am late on my XXXX payment. 
These calls are now turning into a daily harassment with no way for me to turn them off. 
I have requested XXXX already to expedite the transfer of my payments : however since they appear to disagree on the transfer date of the loan XXXX XXXX XXXX XXXX versus XXXX XX/XX/XXXX seen by Loancare ), they are not in a position to help out either.

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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I've had my mortgage since XX/XX/2018 and never have missed a payment or have been late and I was marked late in XXXX of this year with a 30 day late payment and I had the funds available the bank just changed that it wouldn't accept payment from my business bank account. I overnighted a check to rectify the payment.

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Company keeps verifying debt with credit reporting agencies. 

Company never responded to debt validation request when I reached out Company has violated the FCRA and FDCPA Account is reporting inaccurate on all three credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Beginning XXXX I have received a total of 12 fees on my checking acct. Pnc hasnt taken into consideration that deposits were made to cover the amount overdrawn. In fact a recent deposit of XXXX was made to my acct but because I was charged 4 XXXX fees my acct is still overdrawn. The deposit was made Sunday but wasnt available in my acct until Tuesday. I spoke with XXXX regarding my fees for earlier in the month and I was denied any reversal. Over XXXX in fees is excessive. I would like a reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: AL

Complaint narrative:
These inquiries are a result of TUs inquiry issue in which inquires appeared twice I spoke to XXXX first and the a guy who at first gave me one name then later changed it to XXXX XXXX. The following inquires are still listed despite me mailing letters to the bureau as directed XXXX Inquiry from XX/XX/2020 - XXXX Inquiry from XX/XX/2020 - Informative Inquiry from XX/XX/2020 Informative Inquiry from XX/XX/2020 - XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/2020 + XXXX Dept Of Ed Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XXXX XXXX, 2020 + Misc. 
Dept Of Ed Inquiry from XX/XX/2020 - XXXX  Inquiry from XX/XX/2020 - XXXX Inquiry from XX/XX/2020 -

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 2020-12-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
According to my credit report CHILD SUPPORT ENFORC has been reporting inaccurate information. I have paid on time every single month by them taking wage garnishments out of my check. However, on my credit report, it shows that I've been on time XXXX XXXX XXXX-XX/XX/XXXX. The somehow a collection in XX/XX/2020 then On time inXX/XX/XXXX. Then Collection from XX/XX/XXXXXX/XX/XXXX, then on Time again from XXXX. According to the The Fair Credit Reporting Act Law ( FCRA ) it is a federal law that requires credit reports to be accurate and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I change my old car XXXX XXXX XXXX for a new XXXX XXXX XXXX, the XXXX XXXX send the payment to Santander Consumer USA, they don't want to process my payment, tell me I going to have to pay late fees, have a negative report on my credit and making strange collectors calls, for something, I don't own anymore. I just want the turn off my Loan, they know I change my car because I get the financial with Santander Consumer Again. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I graduated in XXXX, with five loans from XXXX. The total amount borrowed when I graduated was {$18000.00}. As of today, after going through a rough patch, relying on deferments on forbearances, I owe {$32000.00}. This is after paying {$4400.00}, so Ive accrued {$18000.00} worth of interest and penalties. Thats almost as much as I borrowed initially. 

I need this loan to be more manageable. I thought I would eventually qualify for student loan forgiveness based on my public service of working in XXXX  for four years and XXXX  for three years ; however, based on how the loans are structured, the loan will not be forgiven. 

There should be some type of cap on the amount student loan servicers can charge for interest and penalties. The amount I've accrued is 95.9 % of the actual loan. Something needs to give because I know I'm not the only one with this heavy burden. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted both the Finance company and the credit bureau about this issue on several occasions. After speaking with a representative at the XXXX XXXX XXXX XXXX she advised me to file a dispute which should fix the issue. However, teh fix has not been corrected. I have tried to contact them on several other different occasions only to get teh run around. 

I paid my payment on XX/XX/XXXX as indicated on my bank statements. The payment was due on XX/XX/XXXX. Therefore, was was never 30 days late on this payment. Their system posted the payment on XX/XX/XXXX which is not correct. I was advised that is may have been a system error based on the time that i logged in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: GA

Complaint narrative:
I have contacted both the Finance company and the credit bureau about this issue on several occasions. After speaking with a representative at the XXXX XXXX XXXX XXXX she advised me to file a dispute which should fix the issue. However, teh fix has not been corrected. I have tried to contact them on several other different occasions only to get teh run around. 

I paid my payment on XX/XX/XXXX as indicated on my bank statements. The payment was due on XX/XX/XXXX. Therefore, was was never 30 days late on this payment. Their system posted the payment on XX/XX/XXXX which is not correct. I was advised that is may have been a system error based on the time that i logged in.

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 2020-12-22 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: CA

Complaint narrative:
https : //usa.experian.com/  reduced my credit score by 20 points for no reason and keeps it low, while on another credit cards the score is high, for example, XXXX XXXXXXXX credit card  my score by XX/XX/2020 is XXXX points, but at Experian only XXXX. How to understand this and what it is? They constantly underestimate the score!

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a complaint against Bank of America. 
I have been a customer of the bank for 15 years. 
We have 2 credit cards with the bank, both on auto pay. 
Credit card ending in XXXX had a payment of {$320.00} which was auto deducted on the XXXX of the month. 
On XX/XX/30 I had called to have the payment reduction to the minimum payment of {$210.00}. 
The agent on the phone did all the necessary changes. 
Now I am getting a bill of {$460.00} for XXXX. 
Because their system did not process the autopay on XXXX I am now tacked with a late fee. 
The agent on XX/XX/30 did not mention the need to make a payment as he indicated that {$210.00} will be deducted on XXXX. 
This is a scam, to squeeze every little bit from the customer. I have been auto paying my bill for months. Not charging a month and Then tacking in a fee. 
Please investigate

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 2020-12-22 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: OneMain Finance Corporation
State: OH

Complaint narrative:
I am a victim of Identity theft there are numerous accounts on my credit reports that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I called Total Card to advised the company that the account ( the account # - XXXX ) was sold or transfer to another company furthermore this writer asked total card to update the account status for this account from {$430.00} written off to transfer or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: IN

Complaint narrative:
I sold my house and closed on XXXX XXXX with my loan paid in full by XXXX XXXX. I had updated my address both online and over the phone before closing. After not receiving an escrow refund, I called the mortgage company to inquire about the refund. The mortgage company told me that they had sent the check to the address that was just closed on. They then cancelled the current check and started a work order for a new check. They stated that the new check would be mailed by XX/XX/XXXX. Called around XXXX XX/XX/24 and the company confirmed that the check was mailed to my current address. Called today ( XXXX XXXX XXXX to tell them that the check hasn't arrived. I'm now being told that it wasn't sent and " looks weird '' but that it should be sent soon.

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 2020-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This complaint can be associated with another one with ID XXXX, which was filed on XX/XX/2020, against Chase bank, on the issue that Chase closed my credit card accounts ending XXXX, XXXX and XXXX without valid reasons, and is still pending a resolution. 

After filing the above complaint, I was contacted by Chase bank and told that an investigation was ongoing. I was also given a contact person named XXXX and a phone number XXXX, XXXX. But l was never able to get through that number again, and was never called back even after leaving messages. 

Late in XXXX I received a letter from Chase, dated XX/XX/XXXX, informing their decision, not only having closed my credit accounts, but also to close my checking ending XXXX and saving ending XXXX on XX/XX/XXXX, again without any reason. Since I can not get in touch with Chase Executive Office regarding this issue, and XX/XX/XXXX is approaching, I assume the above two accounts will be closed anyhow, so I have to file another complaint with CFPB. 
Now that Chase decides to close my checking and saving accounts, I think I may have a clue why they want to do that, and I have to say the decision is rediculous. 

I opened these XXXX accounts in late XXXX, during which time there was a promotion from Chase, that to receive {$300.00} bonus if open a new Total Checking account with direct deposit, and to receive another {$300.00} bonus if open a new saving account at the same time, and then deposit {$15000.00} into the saving and keep it for 90 days. 

Once I opened these XXXX accounts, I arranged direct deposit from my employer and I received the checking bonus already. However, when I initiated an ACH pull from my external account withXX/XX/XXXX to Chase, the transfer was cancelled by Chase. I called their customer service and was told such large amount of money transfer was considered risky and was not allowed online, and I had to go to a local Chase bank to deposit a check. While thinking this is not so reasonable because Chase wants me to deposit a large amount of money to receive bonus, yet Chase also dictates such large deposit unsafe, I fully followed their instruction to deposit my check in a local Chase branch. Now I am afraid Chase is exactly basing on this " unsafe '' large amount deposit to determine my accounts risky and close all of them. 

I also note that I deposit that check of {$15000.00} to my Chase saving account on XX/XX/XXXX, and now it just passed the 90 days which is required to keep that balance to receive the {$300.00} bonus, and since Chase is going to close my accounts on XX/XX/XXXX, I don't think they will honor that promotion to me. Really irony!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 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: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from Equifax, XXXX, and XXXX. To this day over 60 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 plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in XXXX week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed removed.

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
On XX/XX/2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, XXXX card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named Brock and Scott PLLC. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.

Company response to consumer: Closed with explanation