vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: NC

Complaint narrative:
On XX/XX/2020 around XXXX XXXXXXXX, I { XXXX XXXX XXXX XXXX went to withdrawal money in the amount of {$300.00} off my North Carolina XXXX XXXX XXXX XXXX the bank associated on the card is Bank of America, which is a debit card for which I receive my Unemployment Benefits on.I was using a XXXX  machine in the town of XXXX XXXX, N.C. XXXX XXXX XXXX XXXX XXXX XXXX is the name printed on my XXXX XXXX XXXX and I went through the process of trying to withdraw the amount of {$300.00} and a surcharge fee of {$2.00} comes to the total of {$300.00} and the cashpoints machine printed my receipt and DID NOT send no money out and then a message come up on the screen and said that this machine was down and could not be used. So i got receipt and left to a different XXXX  ATM on XXXX XXXX in XXXX, N.C XXXX used it to withdraw the amount of {$200.00} and I did get the {$200.00} and so i looked on my receipt and it clearly took my {$300.00} from my card from what my receipt stated. I get home and call to check my previous summary which was my last two { 2 } withdrawals and it deducted it from my account, so now that the XXXX machine that feld to give me my {$300.00} I need my money put back on my card. I DO KNOW THERE IS CAMERAS AT THAT XXXX  PLACE SO IF THEY GO BACK AND WATCH IT WILL SHOW THAT I WAS NOT GIVEN MY {$300.00}. I have contacted Bank of America and I'm getting told they will need a claim filed and I have and no response back.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I in house refinanced with the same mortgage company " Sunwest Mortgage company inc. I had XXXX left in my escrow account everything current paid that includes insurance and taxes. They kept XXXX of my escrow account without my approval for corp funds. I question them and they said a mistake was made with the amount on refinancing and that the reasoning for keeping part of my escrow account. The called that a corp funds so they kept part of my escrow.. 

I look forward to your rely and a resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I got an apr of 10.14 and its too high! 
I agreed to pay but I lost my job trying to fight my insurance and I got left with a XXXX  debt with XXXX  monthly payment that I cant pay for. even before I thought its too high for new economy car. I asked around to refinance but they dont offer and they dont offer is because they got into a class action lawsuit about the bank adding a higher apr for another year or months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Disclosure Department XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the  county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I paid off the account, AAFES which was assumed by XXXX XXXX XXXX. I contacted the XXXX XXXX in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XXXX XXXX, 2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX/XXXX/2020, I was charged a {$95.00} annual fee for the upcoming year. I called in on XX/XX/2020 to discuss my options and decided to cancel the card since I did not think the benefits were worth the fee. I was told the annual fee would be refunded, but it has not been processed and my payment is coming 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 monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NV

Complaint narrative:
On XX/XX/2020, I received documents from PNC Bank in Pennsylvania with a debit card and account information about an account I did not authorize or request. On XX/XX/2020, I called PNC and spoke with a customer service representative who closed the account, at my request, and indicated that PNCs fraud department would be calling me, which they never did. I then proceeded to lock my credit with all three credit bureaus. 

This evening, XX/XX/2020, I received more documentation from PNC indicating that I have been overdrawn since XX/XX/2020. The amount of the withdrawal was {$50.00} and the overdraft fee is {$36.00}. 

I never authorized this account to be opened ; therefore, I never funded this account. I do not believe PNC did their due diligence in ascertaining there was no fraud being perpetrated at the time this account was fraudulently open, and I would appreciate your help in reversing these charges and any information to ensure my information is not fraudulently used again. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint, then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( XXXX, XXXX and TransUnion ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and TransUnion ). This matter is completely UNACCEPTABLE! 


TransUnion Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020, I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020, {$10.00} amount charged by XXXX ( Merchant ) My bank is Chase. 

I disputed this charge with Chase and was given a credit for the amount of {$10.00}. I was also mailed a new debit card. 

On XX/XX/2020, a claim reversal ( ID # XXXX ) appeared in my Chase Checking account and I was charged {$10.00} causing me to overdraft. I am currently unemployed and do not have any money til XX/XX/2020 and I now have to pay an additional {$34.00} overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I paid off the account, XXXX which was assumed by Transworld Systems Inc. I contacted the Transworld System in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XX/XX/2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XX/XX/2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX XXXX. As relevant proof I disputed these XXXX XXXX XXXX accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous XXXX XXXX XXXX accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( XXXX, XXXX and XXXX ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and XXXX ). This matter is completely UNACCEPTABLE! 
XXXX Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you.

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL I have sent to all 3 credit bureaus of my current drivers license and utility bill in XX/XX/2020, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TX

Complaint narrative:
READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( Experian, Equifax and TransUnion ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and XXXX ). This matter is completely UNACCEPTABLE!

XXXX Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL I have sent to all 3 credit bureaus of my current drivers license and utility bill in XX/XX/2020, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-11-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with Career Point college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-11-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: VA

Complaint narrative:
I went to 5 different ATM 's on, including 3 that were pointed out to me by the bank 's ( US Bank Reliacard ) phone app, and I could not withdraw any money. Every time I was given a simple do not dispense error. I tried various amounts ( XXXX ), none worked. Despite having a balance of XXXX dollars on there. No reason given, just refused to dispense. So its impossible to get cash off of this card.

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 2020-11-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tango Delta Financial, Inc.
State: TX

Complaint narrative:
The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with XXXX XXXX college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.

Company response to consumer: Closed with explanation