vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my Citibank checking account earlier this year. The company immediately revoked my online access. The problem with this is that all my statements are electronic and I no longer have access to them. I called to ask them to email the statements and they want to charge me {$5.00} per statement. 

This is particularly insidious because the banks encourage us to go paperless to save them money. Other banks have allowed me to continue to access my account statements online after the account is closed. The bank never disclosed that it would be removing my online access. The bank needs to provide a means for former customers to access their electronic statements.

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
On XX/XX/2021 I requested that an investigation be completed and verification be provided to me on several accounts. I was not provided that information within 30 days. The Fair Credit Reporting Act states that verification must be given to me that the information is correct on my report. Not simply an agent saying verified. The documentation must be supplied according to law. The accounts in question are : XXXX XXXX XXXX Idaho XXXX XXXX XXXX : XXXX . 

Under the FCRA Section 616/617 unverified information must be deleted immediately. FCRA 609 ( a ) ( 1 ) ( A ) Documentation is required to include a signed contract with my signature, and all account documents.

FCRA 611 ( 5 ) ( A ) States that without proper documentation these accounts must be deleted immediately. 

I have already been violated. Let alone this character defamation with these reports they couldnt confirm and now I have to carry around derogatory remarks that have lead to denials effecting my everyday life and creditworthiness.

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
On XX/XX/2021 I requested that an investigation be completed and verification be provided to me on several accounts. I was not provided that information within 30 days. The Fair Credit Reporting Act states that verification must be given to me that the information is correct on my report. Not simply an agent saying verified. The documentation must be supplied according to law. The accounts in question are : XXXX XXXX XXXX Idaho XXXX XXXX XXXX : XXXX . 

Under the FCRA Section 616/617 unverified information must be deleted immediately. FCRA 609 ( a ) ( 1 ) ( A ) Documentation is required to include a signed contract with my signature, and all account documents.

FCRA 611 ( 5 ) ( A ) States that without proper documentation these accounts must be deleted immediately. 

I have already been violated. Let alone this character defamation with these reports they couldnt confirm and now I have to carry around derogatory remarks that have lead to denials effecting my everyday life and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I fell behind on my mortgage payments XXXX due to the borrower ( my ex husband ) moving out and filing for divorce. 

Early XXXX I had my leg amputated and am now considered permanently XXXX so I have been unable to work since this time. 

When the borrower moved out, I was unable to maintain the payments on my own. The cost of everything has increased so drastically but my benefits stay the same. 

I applied for a loan modification and was repeatedly told that the documents I submitted were not received and to re-send them. I remember one specific occurrence where a representative said nothing was received and I sent it three times, the next person told me they had everything on file. 

I have time and time again called and submitted the necessary documents for my mortgage company to help me, only to get the run around. 

I applied again for a loan modification on XX/XX/XXXX and was told on XX/XX/XXXX that the investor of my loan is not willing to review another application for assistance at this time due to me not providing what was needed previously. THIS STATEMENT IS A FLAT OUT LIE! 

Time and time again I had my daughter drive me to XXXX so that I could send what was asked of me. The cost to send from XXXX became so much that I invested in my own scanner and printer to save both my daughter and I the headache of going to XXXX every other day. I have on leg and ca n't drive.

I know with certainty that if you pull all phone conversations that I have had with SPS, you will hear the inconsistent communication from their end. You will hear me calling to confirm that they have what I sent only to be told over and over that it wasn't received. 

It is much easier to believe that SPS has no intention of helping me than my 20+ faxes, all showing successfully transmission, don't actually appear for your office. 

In the last two years I have lost my leg and my husband and now SPS wants to leave me homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Received letter from XXXX XXXX  see attached documentation that no balance is owed. Sent certified letter to Portfolio Recovery on XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX see attached letter. On XX/XX/XXXX I received another letter from Portfolio attempting to still collect a debt that I do not owe. They continue to report derogatory information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.

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 2021-09-21 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: NY

Complaint narrative:
XX/XX/XXXX in review of my complaint The Santander Executive XXXX XXXX sent me a letter on XX/XX/XXXX this is pertaining to XX/XX/XXXX it was not XXXX it was XX/XX/XXXX check number XXXX for {$700.00} posted on my account the balance left was {$57.00}. On the same day check number XXXX for {$800.00} posted to the account and an insufficient fund of {$35.00} was assessed to the account refunded on XX/XX/XXXX. Then on XX/XX/XXXX a sustained overdraft fee of {$35.00} was assessed on my account again! 
My concerns are this I did not have a cell phone this is why I requested alerts only by my email. I explained this to the manager of bank when I made the first complaint. The Santander Rep suggested now that I have a cell phone XX/XX/XXXX I should set up alerts right away so this does not happen again. This was a trick! The bank representative suggested this just so when the complaint was reviewed they would have in writing the account owner set up the alerts on phone after the discrepancy " not before '' and they did! I told her " yes '' I would but this doesn't '' justify '' your error! It doesn't matter if I set alerts on my new phone your branch did not send me an alert by email. Now on her statement she sent me ( like I knew she would ) she says I set up the alerts after XX/XX/XXXX. I did not have a cell phone ( I only use a land line, my daughter suggested a cell ) and the alerts should have continued by email not stop in 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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Midland Funding LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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:
On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I do not recognize these inquiries. Listed the inquiries on a separate document and I would like action taken immediately. These items are holding my financial ability and potential up. I am a victim of identity theft so I would like these items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I am eligible for public service loan forgiveness, but I am not getting answers, even though I applied for forgiveness back in XXXX of this year. 

I was hired as an XXXX XXXX XXXX in XXXX of XXXX. My loans were consolidated in XXXX of XXXX. I do not recall missing any payments. I asked that my loans be put in forbearance only one time, at the urging of a representative with PSLF. The reason I requested forbearance for a total of a couple of months was to get the payments to " match '' their due dates. 

I have submitted two addendums showing proof of payments and requests for payments where PSLF says no payment was due. 

Every time I call, I speak to someone different and am unable to get an answer. I've been told multiple times they are still processing my application to see if I've made the 120 qualifying payments. No one is able to tell me how much longer it will take to process. 

I have stayed at my job for the last two years solely because of public service loan forgiveness. I have spent hours on the phone trying to get answers as to whether I qualify and if not, why. 

Please help me get an answer. I've asked to speak to supervisors and been told my application had been expedited, but to no avail. I should be eligible to have my loans completely discharged so I can move on with my career.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
on XX/XX/20 I sent NCA a certified letter XXXX requesting deletion of an unknown unverifiable account they continue to report and verify on my credit reports. They have failed to respond to my repeated requests for information regarding XXXX XXXX. I have not been able to resolve this matter. I do not owe any such alleged debt. This company continues to violate my rights and federal laws causing me to incur financial damages. they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed a CD account by phone at XX/XX/XXXX, and the representative told me a check will be mailed to me. I did not received anything in the coming three months. Until I went to the branch two more weeks later, they found out the apartment number was missing and promised a new check will be mailed out soon. The same thing happened again in a month later. I didnt received anything for half year long. I called, I emailed and I went to the banker and manager for some many times. This XX/XX/XXXX, they informed me this was the last time the bank sent out the check for me. Right now is XX/XX/XXXX, I still didnt received the check not even a latter for account closing. 
I have been coming to the branch repeatedly for the past year to try to resolve an issue I have been having. Not only was the banker unable to help me resolve the issue, they couldnt even point me in the right direction to get this issue resolved. After they explained that they were entirely unable to help me, they had the nerve to try to sell me other bank products entirely unrelated to solving my issue.

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was affected by the Covid-19 Pandemic 2020 and I called Discover to discuss covid-19 payment options. Discover offered me a program to split my payments into {$150.00} per month until the balance was paid being that I was affected by Covid-19. I did not know my credit limit would be frozen once I started the covid payment program. I paid the balance off to {$0.00} but my available credit line is still not available. I have had no late payments since I completed the covid payment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a call from XXXX ( XXXX ) XXXX stating they were my bank ( JP Morgan Chase ) and that I had fraudulent activity on my card and that I needed to transfer money from my checking account ( {$2000.00} ) through XXXX to myself. I hung up and called chase and they said they would never ask for me to transfer money like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: PA

Complaint narrative:
I received an initial letter from a debt collector dated XX/XX/2021 with no verification of a legitimate debt owed. I made numerous phone calls to the company requesting verification but that information was never received. A letter dated XX/XX/2021 indicated as a formal demand listed hardship options being offered to settle this matter so I chose one of them and called the company and made a payment to settle the debt in full on XX/XX/2021. This payment was made via an XXXX card and the payment posted on XX/XX/2021. At the time I made the payment I requested a settlement in full letter be sent to me via email and was told I should receive it within 3 business days. I called the company on XX/XX/2021 regarding settlement in full letter and was told it would take 7 business days. When I called on XX/XX/2021 I was again told it would take 7 business days. On XX/XX/2021 I was then told it would take 7 to 10 business days to get the settlement in full email. When I called at XXXX ET on XX/XX/2021 ( the 10th business day ) I spoke with a supervisor who assured me she would request her manager send the email and I should receive it within a few hours today. After not receiving the requested settlement in full email by XXXX ET on XX/XX/2021, the representative I spoke with during the second call said the manager was gone for the day but I should receive the email by XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
XX/XX/XXXX I sent XXXX dollars for property purchase from Navy federal to the XXXX bank under my name. 

XX/XX/XXXX I received a call from XXXX  XXXX  that they cant not accept the fund since it is over XXXX dollars due the restrictions and advised me that Navy Federal should have known this. 

XX/XX/XXXX I have let Navy Federal know that it was rejected due to the policy and I asked when the fund will come back. 

XX/XX/XXXX Still dont see the fund back and I talked to the international wire transfer department and the assistant said that my branch should have been aware that over XXXX dollars is not allowed for wire transfer to XXXX and they have to send the fund back including the comissiom XX/XX/XXXX The fund is still located at XXXX  ( second back that Navy Federal used to do wire transfer ) and it still has not came back. 

XX/XX/XXXX I called the Navy Federal wire transfer and I was told that the fund might not come back if it was fraud. Then I was told that they sent the recall message to wellsfargo. 

It was not a fraud. It was the account under my name. Sending A bank to B. The maximum amount I could send was XXXX dollars and the Navy Federal branched in XXXX XXXX did not know and did not look up the regulations. At this point, they could not provide me the timeline and could not locate the funds. In addition, one assistant even told me there is a possibility I would not get the fund back. 

It is making me feel miserable. I sent the fund to purchase my first home here in XXXX and they even told me that the money I sent properly to my account would not come back to me. This process seems fraud and unfair to me and it occured due to lack of attention from Navy Federal. If I do not see the fund back for longer period of time, Ill open the lawsuit case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation