vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have cancelled my MasterCard account with Fifth Third Bank since they continue to send me promotional checks tied to the account which I never use or want. I cancelled my account XX/XX/2019 and it took 20 minutes on the phone to do so.

Now, over one month later, I get more of the promo checks in the mail despite the account having been closed ( or I was told so ).

I am now over 20 minutes on the phone with them again and no one can tell me what is going on.

It shouldn't be this hard to close an account and once I have done so I shouldn't get promo checks over one month later. 
I don't trust them to properly close the account and stop mailing checks which I would be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ill begin by stating my problem is with PayPal mastercard in the amount of XXXX. To explain on XX/XX/XXXX I attempted to make a split payment purchase between my debit card for XXXX PayPal Mastercard for XXXX and the remaining on PayPal credit for a chassis for go kart and the 3rd payment method PayPal credit would not work we called and they told us try in another week which we did but it still declined for unknown reasons so I told merchant I was okay and we would not be purchasing product and we have been trying to get back the XXXX in our XXXX XXXX acct as well as XXXX that was Charged to the Mastercard reversed and have been running in circles. I never even purchased a product yet the balance on that Mastercard is 1200+ and interest I've been paying the limit on card is only XXXX so its over limit and I just need someone to take the info and fix this matter once and for all its insane how this has gotten to this I have communication between the merchant and I where the charges were reversed on his end and he did dispute 1 time due to the Mastercard taking it from him a 2nd time but he agrees we should be refunded so I have no where else to turn and am needing the fees interest and charge reversed and I'm still trying to fix bank as well. Thanks for any help. I will attatch screenshots of conversations between merchant and I along w statements where I was charged and if anything else is needed please email me at 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 2019-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I created a XXXX account in XX/XX/2019. My first mortgage payment was supposed to be paid on XX/XX/2019. I set up auto pay and per their instructions, I paid the first payment manually as it would take about a month for auto pay to be completed. My first payment was taken out of my bank account on XX/XX/2019. A second payment was taken from my bank account on XX/XX/2019. I never authorized the second payment to be taken from my account. I created a ticket within their application on XX/XX/XXXX when i noticed the second payment that was processed. I created another ticket on XX/XX/2019 again as I had not heard anything back from the company. I also tried to call the company but received no answer. I contacted my bank XX/XX/2019 for a refund for the unauthorized payment as it has caused me financial hardship.

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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have 6 Promotional balances ( 0 % ) with Wells Fargo. The balances are due at varying times starting XX/XX/2020. 
I am paying large payments to pay off each separate balance before it is due, but they are spreading out the payment a little to each balance. 
I called them and spoke to 3 people. They said the payment first covers the minimum due and then is applied equally to all balances, not the one that is due earliest. One rep told me that they apply the payment to the balance with the most risk, which would be the one due the soonest, right? 
The only thing stated in the offer close to regarding this is this : Your minimum payments will be applied first to lower APR balances before higher ones. ( mine are all 0 % ) Payments in excess of the minimum payment will generally be applied to balances with higher APR 's first. 
This must be illegal, to not pay off my balance that is due the soonest.

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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I never signed the documents that they are claiming I did. My signature is not to be seen anywhere on those contracts. Just a letter B handwritten. Someone else opened the account fraudulently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: FL

Complaint narrative:
ERC also known as ENHANCED RECOVERY Company , LLC obtained this account from XXXX the original creditor. This was sometime on or before XX/XX/XXXX. The {$630.00} debt amount was reported to me by letter on XX/XX/XXXX. The debt dispute with XXXX started with my letter back to them on XX/XX/XXXX. 

ERC re-aged the debt with the credit agencies by removing then refiling the claim against me in XXXX. 

ERC is a Florida corporation. FL has a 5yr. Statue of Limitations, F.S. 95.11. They broke FL law against a senior citizen, F.S. 501.2077. What are their penalties? 

See attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY bought the Debt from XXXX XXXX as of last year for two cards in the total amount of {$3200.00} one card is for {$1200.00} and the other capital one card is for {$2000.00} although the debt is nearly 3 1/2 years old. I didn't receive any documentation of my right to dispute or any paperwork for that matter. The next thing I know they're trying to take me for court and they didn't have an amount and no information specifically underlying my " case ''. I do not like the fact that this company is trying to bully me into paying a debt that I do not mind paying but using hostile tactics from a loan that they just bought from XXXX XXXX in XXXX and the debt pre-dates XXXX. ( Default of loans in XXXX ). This new loan has affected my credit score because it makes it looks as though my debt is brand new and it's not. I would like all reports from Portfolio Recovery to be removed since it's not from the original company ( XXXX XXXX ). I understand that Portfolio Recovery Soon after they first contact you, the debt collector is required to notify you of your right to dispute the validity of the debt. Then, you have 30 days to send a debt validation letter requesting proof that the debt is yours. After receiving your letter, the collector must stop collection activity until theyve sent the proof. Portfolio Recovery did no such thing. I never received that nor did I know that I have a window of time to dispute it. I understand that each state and rules may vary but my concern is that these loans will continue to be rebought over and over, as they continue to not only break the rules and keep me in the dark but hurt my credit and lively hood as well. I would like to come to some kind of peacful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Have filed a couple of complaints on equifax reporting incorrect info, they send me an e-mail the complaint is closed, they give me an access number, when i try to read it access is denied, i call speak to cust service, person speaks very poor english, she asks me many questions and does not understand, i ask for a supervisor, put on hold no body picks up can not get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax did not do any investigation into this matter they just forwarded the dispute to the creditors and ignored my identiy theft package and the fact that I am a Identity theft victim these account should have been blocked. At this point I have no choice but to file a law suit against Equifax because there treating this matter like it is a frivolous dispute. and just taking the electronic pdate from the that informationis true and accurate. FCRA states in section 605B that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any  transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 )  that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
and Ihave send in a complete Identiy Theft package on number of occasions.only to have it ingnored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RENASANT CORPORATION
State: NC

Complaint narrative:
Renasant bank Misrepresented to a major credit reporting agency ( XXXX ) on at least three separate dates including XX/XX/2019, XX/XX/2019, and XX/XX/2019, that account number XXXX is a true and accurate account that belongs to me. The representation that XXXX is an account that I have contractual agreement is false. I have neither signed nor authorized my signature for any such contract bearing the account number XXXX. I have advised XXXX and all other credit reporting agencies that this account is fraudulent and related accounts were a result of identity theft. Your company has never provided any contract nor can provide any contract bearing this account number but have represented to the XXXX that one does exist. This is an act of fraud on the part of renasant bank and repeated false verifications of account number XXXX as an account initiated and authorized by me is false. This is also a collection attempt on a fraudulent account for your company in which I have no relationship with. 
Prior to this bank sending these false verifications and updates I have mailed letters demanding all original copies of any paperwork bearing the account numberXXXX be provided along with other information about this fraudulent account be provided as well as action to be taken in accordance to 15 U.S.C. 1681 et seq / fcra section 609 et seq. These requests were  mailed via usps on XX/XX/2019 XX/XX/2019 and XX/XX/2019 to XXXX XXXX XXXX in XXXX Mississippi ; Renasant bank has not responded and has refused to comply. Updated information has been provided with this report I can also provide information regarding previous mailings.

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 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit Financial Corp.
State: NV

Complaint narrative:
This company is reporting inaccurate data to the major credit bureaus have disputed multiple times with each bureau. Requesting validation of said debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is obviously a XXXX and XXXX company. They have all these business suits working and can't figure out. They sent me a " new '' replacement credit card. The credit card does not have a plastic lining, and is very thin. The Waitress and customer service people who scan my cards, can easily break them and have also been complaining about the Bank of America cards. The card stains, and smoulders since its so thin and has no plastic cover. Nice thin and non plastic greasy credit. They are obviously XXXX and don't like XXXX XXXX   customers. Why are they sending new credit cards like this?

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 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial received a payoff for a totaled vehicle in the amount of {$16000.00} on Monday XX/XX/2019 at XXXX XXXX. Signed for by XXXX I have repeatedly called and for some reason they will not mark the loan paid, they are telling me something along the lines of this process takes 7 days. 

This is ridiculous, they have their funds, they need to release the loan, so I may apply for a new loan and go buy a new car.

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 2019-06-11 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 my credit card account was hacked by an impostor. He/she changed the account address, added another authorized signer and redeemed about {$800.00} worth of reward points into cash and wired it to a checking account. 

I found out about this XX/XX/XXXX. Matters were straightened out except for filing a police report. The people at TDcardservices said the police department should fax to them in their official letterhead what information they required to fax # XXXX XXXX XXXX Today XX/XX/XXXX, at substantial inconvenience, I went physically to the XXXX, Florida police headquarters which is were I had been told theft reports are to be filed. According to the Police I should obtain from TDCardservices an incident report and give it to the Police. I explained to them what TDcardservices said. It didn't matter ; they will not fax anyone anything I am caught between the two. No one seems to be concerned about catching the perpetrator, and I am missing an official, valuable record of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had two credit cards with Bank of america for over 13 years ; one master $ XXXX limit and one Visa also $ XXXX limit. 
* The master card one, i only use it to maintain the account open, no usage in the last couple of months. 
* The visa card, I only use it at two locations, my employer cafeteria ( average {$7.00} per day ) and XXXX once-twice a month. 
Bank of America suddenly have revoked both of my accounts at the same time, with the reason of " irregular transaction activity ''. Knowing that I don't even make many transactions, I have questioned BoA for further explanations, however they claim not been able to explain to me any further due to their policy which of are not available to customers also according to BoA. 
This was escalated twice up to credit department customer solutions upper management who have told me that reasons would be available only through subpoena file in court.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
1st Equifax 'NEVER ' gave me my complete credit report even after I contacted them telling them it was incomplete. They further closed the case against them with CFPB knowing they had not fulfilled giving me my complete credit report. 2nd After contacting Equifax 's CEO XXXX XXXX and informing him of all the problems I was having with his company, Equifax lowered my FICA Score from XXXX ( the other 2 credit reporting agencies have my FICA Score as XXXX ) to XXXX. No one who uses Equifax is either going to give me any credit or are not going to give me favorable rates. This is retaliation for reporting Equifax to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I financed my mortgage with XXXX XXXX XXXX through XXXX XXXX XXXX. My closing disclosure showed my monthly payments to be in the amount of {$1400.00}. The forms signed at the title company on my closing date of XX/XX/XXXX included my First Payment Letter showing that same amount of {$1400.00} to be due on XX/XX/XXXX. The booklet with monthly mortgage dues also showed the same amount. 

I received my first statement from XXXX XXXX XXXX in XX/XX/XXXX for first payment due on XX/XX/XXXX. The statement showed a payment due of {$1600.00}. I immediately contacted the company to question the amount and they advised that they would verify and get back to me. I had to call them back several times to follow up as I did not want to be in default but no one could provide me a straight answer on the difference in amount from my closing disclosure and the statement. I was set up online and went ahead and made my first payment in the amount of {$1400.00} and advised them that I would be paying the amount shown on my closing disclosure until I would get an explanation on the discrepancy. One person would say they calculated it incorrectly during the closing, another person would say the escrow changed. I finally got a hold of XXXX XXXX XXXX who was able to get me to the manager and the manager 's  explanation was that there was a glitch in the system. I refuse to accept that explanation and I went by my closing disclosure 's amount to budget my bills. On my XX/XX/XXXX statement, they applied a credit of - {$200.00} to the total, bringing the new amount due to {$1400.00} which is the amount originally shown on the closing disclosure. I thought that maybe they fixed the problem but on my XX/XX/XXXX statement, the old amount due of {$1600.00} was showing again. 

To avoid additional taxes and fees, I have been paying the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have called and disputed these things on my credit report and I have let them know that this information is incorrect. I also have sent multiple letters and the issue is still ongoing. These accounts are listed incorrectly XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 2019-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There are 4 inquiries on my account by Kohls/Capone on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called Kohls to dispute the inquiry and request a letter of deletion under the direction of XXXX, Kohls stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.

Company response to consumer: Closed with non-monetary relief