vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
This debt is past statute for collections. FBCS, Inc. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have not received a statement of my account since XX/XX/2019. I have called customer service for help with no results. The problem they say is that they can not verify my phone number. They want me to fax or upload a copy of my phone bill to them for verification of my phone number. I do not have a fax machine nor am I tech savvy enough to upload my paper telephone bill. The credit union has the wrong area code for my account. I have tried to access my account on the internet with the same result. The area code on their web site is wrong and I can not fix it. I telephoned the credit union. The representative hung up on me after a long telephone call because I can not fax or upload my telephone bill. I must assume the last 15 payments were received and properly applied to my account because I have not been contacted for late payments. However, I do not know if the balance of my account is larger or smaller now, than what it was 15 months ago. In addition I have never received payment coupons to make the payments. I have to try and make some kind of coupon hoping and not knowing what is happening with my account.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX at XXXX repeatedly failed to provide proof of debt. They attempted to fraudulently charge me the cost of a full carpet replacement knowing this collection was unlawful under Georgia Law. Additionally, they were required to provide me with an itemized statement no later then 48 hours post move out. This was never provided. This company then reported this amount to my credit knowing that this amount was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Chrysler Financial had my vehicle repossessed on XX/XX/2020. The requirements to get my vehicle back were a payment of {$2500.00} and proof of insurance in 20 days. I paid Chrysler financial on XX/XX/2020 and showed proof of insurance. Chrysler Financial failed to process my release in a timely manner to XXXX XXXX, the third party vendor who needs to release my vehicle and who hung up on me multiple times from XXXX before they closed which resulted in my being unable to get my vehicle back the day I was entitled to get it on XX/XX/2020. Neither company is taking responsibility and illegally have my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am attaching a detail of the events that lead to my complaint. 

In summary, My bank, Regions Bank, allowed a fraudulently endorsed check for {$3000.00} to be deducted from my account. 

Apparently, the bank of first deposit ,  XXXX  XXXX XXXX, allowed a fraudulently endorsed check to be deposited into an account even though the check was payable to another organization. 

There should be no time limit on correcting this 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 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I opened a new free checking and savings account on XX/XX/2020 with First Citizens Bank. I signed up through a promotion that stated I would earn a {$300.00} bonus by making 10 debit card transactions and enroll in eStatements. I have met these terms as of XX/XX/2020. The bonus terms stated that the {$300.00} should be paid out within 120 days. As XX/XX/2020, the bonus has not been paid. I contacted the bank through secure messaging on their website on XX/XX/2020 requesting when the bonus would be paid, but they have not answered my question. I am now filing this complaint on XX/XX/2020 to seek a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avant Credit Corporation
State: CA

Complaint narrative:
This debt is past statute for collections. XXXX XXXX. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  and Experian are fraudulents on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquires from following accounts are frauds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX 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 2020-09-03 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: GA

Complaint narrative:
I am a XXXX male and withing the last 6 months ( during the Pandemic ) Bank of America decided to close my 3 credit cards. They sent me a letter giving me generic reasons as to why my accounts were possibly closed. The last straw was the third one they closed. I called the bank and after getting transferred several times I ended up with a Supervisor who stated I was possibly a risk and the bank has every right to cancel my cards and there is nothing I can do about it. I need a credit card. I need financial support especially during these uncertain times however I cant seem to shake the feeling that because I am a minority with not much to offer they can just do to me whatever they want. I wonder to how many more minorities they've done this too. I am not happy with Bank of America 's practices, or how I was treated as a long term good standing customer.

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 2020-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received from Capital One Bank a letter stating that my credit line dropped from {$50000.00} to {$20000.00}. I checked my credit history with XXXX and everything looks very good, no frauds, no mistakes. I called the bank to ask what happened and they told me I didn't spent enough even I use my card almost everyday. I am worried that my credit score will drop drastically for something that I worked hard all my life to be in very good shape. I don't think is fair if you are paying your balances in time, you don't have any loans, any debts, to go through this. Is this real standard procedure? In more than 20 years i never experienced something like this. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020, Pandemic Assistance of the State of Nevada claims a lump sum payment in the amount of {$6700.00} was made to my checking account with Bank of America. This was done under their transaction # XXXX. Bank of America claims they never received and that I need to contact PUA in Nevada to trace these funds. PUA tells me these funds were transferred and that I need to have Bank of America trace these funds, cancel the transaction and return these funds for reissuance. have been trying to rectify this situation for several months now with either side willing to budge. Mean while my funds are lost in limbo with no one willing to even investigate. I'm a  XXXXyo vet with a XXXX and could really use some assistance ...

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 2020-09-03 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: PA

Complaint narrative:
I was issued a US Bank Relia Card several weeks ago with a $ XXXXn balance. Two weeks later there was a balance listed on the card, I then activated the card. Today XX/XX/2020 I attempted to use the card at both an ATM machine and a credit union. The card was rejected/declined both times. I have been trying to call the company all day and the wait time lasts for hours or the system will disconnect you so that the call can not be successfully completed.

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 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I never received a letter from Transworld Systems indicating they have collection on me, I tried sending a fax but they claim they didn't receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a new joint checking account with my wife XXXX XXXX XXXX approximately two decades ago at a branch in Washington DC. ( Citibank account XXXX XXXX ) We have been Citibank customers ever since. The terms of checking account package that we opened included no monthly maintenance or administrative fees. I understand this was a called a Regular Blue account at that time. 

I recently learned that our account was changed, without our knowledge or consent, to a new type of account called a Citibank Account Package that included a $ XXXX monthly fee when certain minimum balance requirements were not met. Since we had no idea that our account had been changed to a new product, we were not cognizant of the minimum balance requirements and consequently we were charged a monthly fee of {$25.00} on many occasions. Citibank online records only go back 18 months and I was able to identify a $ XXXX monthly account maintenance charge posted in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I was not able to check further history.

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 2020-09-03 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: CA

Complaint narrative:
TransUnion and XXXX are fraudulents on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquires from following accounts are frauds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX 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 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I never received a letter from XXXX XXXX indicating they have collection on me, I tried sending a fax but they claim they didn't receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
In XX/XX/2018 I had applied for an apartment in XXXX, Virginia. At application time I had paid an application fee and security deposit to hold the price that I was quoted that day. I was advised on move in day I would sign my new lease, pay my first months rent, and get the keys. The day I was supposed to sign my lease and move in I called the apartment complex and told them I was no longer interested due to my new commute to work.That is when I was told that I would still be responsible for rent AND I would have to pay monthly for the unit until they were able to find someone else to rent it. I didn't even have a unit number so how am I to know when or if it is occupied. I never signed a lease, I have no contract with them. The application is just that an APPLICATION. About 6 months later I seen that they had put this account on to my credit report as a collection account and Hunter Warfield is the creditor attempting to collect these funds. I have since requested account validations via disputes and nothing has come of it. I have not been shown the proof that I have requested asking how they think i owed them this ridiculous amount of money. I am sure they are ignoring my requests because there is no proof. There is no lease. I would like Hunter Warfield to remove this account from all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: GA

Complaint narrative:
Sent in a request on items that are no obligation to on XX/XX/20. Recently, just received a response, over 60 days, on XX/XX/20 and Equifax has ignored the request for accounts that were in question and has deleted accounts that were never asked to investigate. 

They removed Dept XXXX and XXXX XXXX, XXXX XXXX accounts which there were no issues with. Removing these accounts, brought down my credit score even more, which was purposely done. 

There's also no sign of investigation on the accounts that were in question ( XXXX, XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation