vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander bank received a request fro XXXX and they [ aid it despite the fact that my account is the type pf account that should not be over-drafted. They should have returned the amount unpaid. They then charged my account XXXX $ in fees. When I called to ask for help, the representative told me she was closing my account. I asked her not to. I called 3 other times and spend more than 7 hours on the phone with them. They told me my account was reopened and everything was fine. Two months later, i started getting calls from a collection agency. The collection agency calls me several times a day and says there is no way to resolve the issue aside form paying the amount. I have spent enough hours on the phone with Santander bank and they need to delete the debt like they said they would.

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 2021-06-14 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank is who my mortgage is through. I was supposed to have a Covid loan modification done in accordance with the CARES Act. I completed all of the requirements including making a higher modified payment amount and have been told that my loan modification is in underwriting waiting to close for the last 5 months. I found out today ( XX/XX/XXXX ) that it is not in underwriting and that they have been marking my loan as delinquent since XX/XX/XXXX because my documents were received too late. I was initially told that I was missing the suffix from my legal name in a signature and they were sending back new documents to sign. They were returned via XXXX the day after i received them. I have called more than 20 times checking the status and not until today have I found out an accurate status. The escalation specialist " XXXX XXXX, Employee # XXXX '' said he would put the process in motion to get this corrected. I honestly feel as if Flagstar is making an effort to take my home from me. And considering the massive fraud they committed and were convicted for in XXXX, it wouldn't surprise me.

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 2021-06-14 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: ARVEST BANK GROUP, INC.
State: PA

Complaint narrative:
Hi, Thank you for your attention to the following matter. 
My mortgage was sold to a new company ( below ). 
I was not informed of the change and I continued paying the original mortgage company that I have contracted and built my vacation home with. 
After finding out 30 days of the transaction took place, I did contact the mortgage company in the discussion, and I was assured that I have 60 days to transfer the funds and pay the first mortgage month. 
However, after 30 days I was reported to the credit bureau impacting my credit in, what I believe, unfairly. 
The account is current at this point. 
Thanks in advance XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Mortgage Acct # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial fixed the reporting issue with XXXX and XXXX, but they are now reporting my account was closed in XX/XX/2021 with XXXX. Clearly, this is inaccurate and a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have worked in banking 15+ years prior to being laid off due to Covid. My joint checking account with my wife is receiving fees although we have contacted the Bank letting them know our unemployment has been delayed and we are struggling to put food on the table. We originally asked for a debit block so that we don't receive fees but because of previous taxes and the pandemic, the account is tied to our money being deposited here and can't close the account. We actually have a XXXX balance of principal but were charged XXXX and then NSF fees on top of them totaling over XXXX . After my grandfather has been in the hospital for 2 weeks I finally get a chance to call the Bank and deal with this - the full negative XXXX $ balance is all fees and not XXXX $ sent to merchants or anywhere else. Bank of America 's solution is a credit line to pay my debt to them ( so they are offering an unemployed person a credit line to pay their fees back to them with no principal balance owed to the 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 monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nelson and Kennard, LLP
State: CO

Complaint narrative:
I had spoken to a representative and explained that I have been under XXXX since XX/XX/2020 and under XXXX XXXX. She said ok she will make a note of it this was a week ago and today I get served a legal papers threatening to take me to court. I attempted to contact them 3 times And I get hanged up on once its transfer. And they pulled my bank transaction without my authorization this is a joint account and no one gave permission to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Radius Global Solutions LLC
State: NV

Complaint narrative:
I cancelled a contract with XXXX XXXX XXXX XXXX ( Company ) that had been fraudulently opened by an agent of my business without authorization in my name. The contract was opened in XXXX. I called in XX/XX/XXXX after receiving access to the business e-mail and seeing they were still charging me for the account. I had paid all fees prior to this, despite not being responsible, as they were being withdrawn from my business account. XXXX XXXX XXXX XXXX sent an e-mail on XX/XX/XXXX stating that my contract had been cancelled. They made no statement of debt owed, or fee for cancellation of ser vices. After cancelling the contract, they sent a bill for collections in the amount of XXXX, for this years ( XXXX ) service contract. I disputed the collections with the collection agent, RADIUS GLOBAL SOLUTIONS, LLC, and asked for validation of the account. They sent back a very basic invoice with minimal information other than public information. I have made several attempts to contact XXXX XXXX XXXX XXXX  to dispute the information with their fraud department, but they kept transferring me to any department except ( CS, Tech Support, Accounts Receivable, etc. ) They have been totally unreasonable in contact attempts, and have threatened harm to my credit by sending this account to a debt collector. They also charged an unreasonable fee bordering on predatory for their service in comparison to several other similar platforms that I have recently researched.

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 2021-06-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is seriously delinquent in reporting by account balances. 
Equifax has NOT updated any account data since XX/XX/2019. 

This is the third time I have reported this, but nothing ever changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XXXX XXXX I applied for a refinance cash out with my existing mortgage Flagstar Bank. I locked my rate at 3.0 %. I paid {$550.00} out of pocket for appraisal. After appraisal Flagstar adjusted rate to 3.22 % they said because appraisal came in at XXXX instead of XXXX. When I looked at loan estimate it said 3.26 %. My loan officer XXXX XXXX said he would talk to his manager and get approval to correct it. 4 days later estimate still said 3.26 %. I emailed asking for an explanation and I was told it takes time. On the final loan estimate it said 3.3 %. I emailed got no response was told their internet was down. I have all emails of correspondence saved as documentation. I then began to look for other lenders as this rate was never agreed upon by me. I found XXXX XXXX and asked for my application with Flagstar to be withdrawn. On XX/XX/XXXX a formal letter was written by me asking for the {$550.00} out of pocket appraisal I paid for be transferred to XXXX. Flagstar said they would and it could take up to 48 hrs. After numerous emails and phone calls over 2 weeks XXXX still has not received appraisal from them. I would like my appraisal transferred as they agreed to do or refund me my {$550.00}.

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 2021-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Capital One Essential Checking account was recently automatically converted to a Capital One Simply Checking account about 3 weeks ago. When this happened, my checking account was no longer connected to my Capital One 360 savings account. Because of this, I am not able to take any money out of my savings accounts. I have called several times for a resolution beginning over 2 weeks ago. I have important financial events coming up that require the use of my savings but am unable to withdraw anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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:
Please take notice that I XXXX XXXX XXXX, am a victim of identity theft. I viewed my credit report file with XXXX  and I am horrified that someone stole my personal information to commit fraud and as a consequence, there are multiple collections accounts on my file. From any perspective, this is an intimidating and overwhelming process. On XX/XX/XXXX, I completed an identity theft report on www.identitytheft.gov. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

There are 10 dishonest hard inquires that need to be removed, suppressed, disputed and blocked from my credit report, see below : I. XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX V. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX VI. XXXX Inquiry date : XX/XX/XXXX VII. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX There are 3 fraudulent accounts on my credit report that need to be removed, suppressed, disputed and blocked : XXXX XXXX XXXX, Opened XX/XX/XXXX, Account number : XXXX Amount : {$6100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Opened, XX/XX/XXXX, Account number XXXX Amount : {$5400.00} XXXX XXXX XXXX Opened XX/XX/XXXX, Account Number : XXXX  Amount {$1900.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1900.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. These phones itself are a violation of the FCRA.

To my knowledge, section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2021-06-14 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: CA

Complaint narrative:
Please take notice that I XXXX XXXX XXXX, am a victim of identity theft. I viewed my credit report file with XXXX  and I am horrified that someone stole my personal information to commit fraud and as a consequence, there are multiple collections accounts on my file. From any perspective, this is an intimidating and overwhelming process. On XX/XX/XXXX, I completed an identity theft report on www.identitytheft.gov. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

There are 10 dishonest hard inquires that need to be removed, suppressed, disputed and blocked from my credit report, see below : I. XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX V. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX VI. XXXX Inquiry date : XX/XX/XXXX VII. XXXX Inquiry date : XX/XX/XXXX VIII. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX There are 3 fraudulent accounts on my credit report that need to be removed, suppressed, disputed and blocked : XXXX XXXX XXXX, Opened XX/XX/XXXX, Account number : XXXX Amount : {$6100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Opened, XX/XX/XXXX, Account number XXXX Amount : {$5400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX, Account Number : XXXX  Amount {$1900.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1900.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. These phones itself are a violation of the FCRA.

To my knowledge, section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: U.S. BANCORP
State: MD

Complaint narrative:
I had a fraudulent charge on my account form XXXX  online for {$230.00} on XX/XX/2021 I file a dispute the same day describing my account is fraudulently charged and I was told there will be a credit but on the letter they sent me XXXX XXXX the transaction was not billed and they closed my dispute on the contrary they charge me for the same amount {$230.00} I would like to get the fraudulent charge off my account specially the customer service personnel I talk to XXXX and his supervisor XXXX were very rude and lack knowledge even if I waited for a month without resolution they want me wait another month

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 2021-06-14 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: VA

Complaint narrative:
I have been attempting to verify the legitimacy of the reported Bankruptcy XX/XX/2011 XXXX ID # XXXX. 

XXXX, XXXX and Equifax has repeatedly " verified '' this as accurate information. 

My question to XXXX, XXXX  and Equifax has always been : " Which original source of the information did they verify accuracy with ''? 
I know the clerks at the City of XXXX courts, who have told me that they don't speak to the credit bureaus at all. So who did they " Verify '' this with??? 

My XXXX XXXX report has a security freeze on it, so they couldn't have verified it with them, could they??? 

I am confused and genuinely feel like a victim of the big corporate society who is trying to keep the little guy down. Please help. I have no where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NY

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
The XXXX statement for my XXXX XXXX  Visa card shows a charge to XXXX  on XX/XX/XXXX for {$42.00} which I did not make. I PROMPTLY notified the card Issuer ( BARCLAYS ) that this was a mistaken or fraudulent charge. Barclays placed this transaction in dispute while they investigated. On XX/XX/2021 I received a letter from Barclays Investigation Department which I do not understand. They state that " their investigation is complete and research indicates that the account is valid ''. What does that mean? I never questioned the validity of any account. I only dispute that I made that charge. 

I do not know the status of this transaction, nor do I know how to find out. I have spent hours on the phone trying to get information. They CAN NOT be contacted. I have called every phone number I can find on the letter, on the card, on the statement and on-line, all without result. Very frustrating. Please help. 

Barclays cancelled the old account which ended with the numbers XXXX. They sent me a new card, account 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 2021-06-14 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I purchased product from a handbag merchant called XXXX and used my American Express Card going through XXXX for {$180.00}. I never received my purchase. I filed a dispute with American Express, they withheld payment. The merchant finally mailed my product so I closed the dispute and American Express advised they would chargeback. I contacted XXXX who adv they are waiting for the chargeback information from American Express. When I contact American Express they advised they have completed the chargeback, but the many XXXX Representatives I have spoken with advised there is no communication from American Express. I have placed numerous calls to American Express and XXXX, but continue to get the runaround. I wound up paying XXXX {$180.00}, since I did receive the product. I need the XXXXAmex to be rectified so XXXX can credit the original charge. This has been going on for over a month.

Company response to consumer: Closed with explanation