vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens Home LOANS STILL AS OF TODAY XX/XX/XXXX my loan is still showing past due!!! Which is Not TRUE!!! Hello I received a email from Citizens One which is my mortgage company saying my loan was past due one month! Which However was untrue I called spoke with a rep in the collections department who was saying same thing then she spoke with a supervisor which I never got a name saying they see the mistake her supervisor was going to fix it but its going to take 10 days I told her no because the last representative who actually took a the payment from me over the phone about two weeks ago said the exact same thing and nothing was never done and now my account is still showing late and were in a new month she said OK hold on Ill get you the supervisor however that did not happen she sent me back to the queue Honestly if you cant handle a problem I shouldnt be sent to a question because the rep did not want to do their jobs correctly!!!! I was sent to a que and spoke with a XX/XX/XXXX who is by the way was very helpful and was trying to do her best to assist me she stated that she will have the issue fixed but its also going to take another 5 to 7 days which I told her the previous two reps told me the exact same thing and nothing has been done yes when I first did my mortgage payment there was to return items I had to take it out of that bank and put it into my XXXX XXXX  which it was done by credit card us be paying the phones were taken out immediately I was there caught by a rep who took the difference of the two something which stated my account was fine itll take some time a couple of days to be updated but nothing was done and I do not want this to be its late or a credit report and not only that our family has been experience a heart ship n this is crazy for nothing to reflect when we are struggling to make ends meet due to covid!!! If Im not available I DO AUTHORIZE FOR YOU TO SPEAK WITH MY WIFE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The Debt Collector is trying me to pay the debt twice. I paid this debt on XX/XX/2020.Paid to XXXX XXXX, XXXX  of {$450.00}. And another collections office still says I still owe a different amount which is the same bill I wish your company would check into this since I don't have a phone number ( XXXX  XXXX ) by Comenity Bank. Than you for taking time to check this out. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/2021, I received an email from Chime Bank stating my account was suspended due to suspicious activity. I had zero warning. I immediately called customer service, after they already verified that I was the account holder, by my phone number, email, address, date of birth, and SS #. They told me I needed to provide proof of address and two forms of ID, which I sent in on the XXXX at XXXX XXXX. I have yet to get a response from anyone or a status update. I have multiple deposits going into my account and have no access. My rent is currently late because of this. I have called everyday since and have gotten no where. After seeing a number of complaints from other people, this looks like its their MO. They close peoples accounts for suspicious activity then steal their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: AZ

Complaint narrative:
i want to a complaint on the one of your reps representatives that I spoke with today XX/XX/2020. I spoke with XXXX in your fraud department, and a few others in customer service These representatives speak from an entitled perspective and aren't there to correct unverified, erroneous and inaccurate name, addresses, inquiries and previously disputed accounts. Furthermore the accounts that are being reported inaccurately you guys have so called verified inaccurate, erroneous and unlawful information going against the Fair Debt Collection Practices Act as well as USC Section 1602, 1605 and 1692. Due to your company not investigating my disputes from XX/XX/2020 till current you have verified the inaccurate accounts referring to XXXX XXXX XXXX  act XXXX, XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The following accounts that I have added above have been removed from one of the major bureaus XXXX  and XXXX. proof provided below, Due to XXXX  and XXXX not being able to verify these accounts under the 609 Credit reporting Act they followed the laws that are governed to protect our consumer rights. Due to these two major bureaus complying with the laws that protect me why isn't your company following these laws and complying as well. Also how are you guys verifying these inaccurate and unverified accounts? These laws state that you have to prove how you are verifying this information and due to you not having this information you are going against these laws which has caused me personally major distress The following inquires XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, have also been proved to be inaccurate and unauthorized by XXXX  and XXXX. The following public record being reported on my file is against the Fair Credit debt collection Practices Act act and the Fair credit reporting Act. You are reporting this public record as if you are the original furnisher, only the original furnisher can report accounts or information with written consent and compliance with the USC 1602 and 1692. This public record has been proved to be reported inaccurately by XXXX  proof provided below as well. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
What is this complaint about? 
Cost and time to constantly have to keep contacting the bank technical/security team to get access to my online banking. 

What type of problem are you having? 
I am a XXXX Citizen and have a bank account with Center State Bank in XXXX, Florida. I had a holiday home there hence the reason for the bank account. I have now sold this property but need to keep the account until all my taxes and administrative items are finalised probably into the middle of 2021. 

Every single time I try to log onto the online banking it says I have been locked out/or there is an error. 

I telephone the bank at considerable cost to me to get absolutely nowhere with them. They get me access which normally takes them anywhere from30 - 60 mins ( all the time hanging on the phone from the XXXX XXXX! 

But as soon as Iog off from the account and try to log back on the exact same thing happens again. So I have to phone the bank again - they refuse to deal with me via email - which is not helpful at all. Or what would actually be helpful if they could just sort out the account. 

What company is this complaint about? 
Center State Bank Who are the people involved? 
I have spoken to : Branch Branch Manager Central Bank XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This card has not been used in months and carried a XX/XX/XXXX balance. I noticed my credit score drop and upon review found that there is a mysterious late charge. Capital one is not responding to my inquiry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have recently disputed this account. It was removed and placed back under my Credit. I asked for documentation showing I signed signatures in that name on any documents. No documents or signatures provided signed by me. I am not the account holder nor is it my name. I believe its stolen identity. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXcitibank na/best buyXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank na/best buy XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have two mortgage 's with two different companies, one has been fine while the other ( Citizens One Home Loans ) has continuous issues with billing and payment processing. The most recent incident was frustrating because I received the statement for my XX/XX/XXXX payment, I paid the payment as billed, but in progress the company changed the payment amount for the month of XXXX XXXX payment which was already billed and paid. They received my payment check, cashed it, but never applied it to my loan. Subsequently, after the payment due date I'd received another bill for the XX/XX/XXXX payment due with a different payment amount. The new bill didn't reflect the payment I had already made, so I checked their website. The website reflected the money I sent as received, but not appied to my account. I was being held in a suspense account. I called to inquire and they said that because it wasn't sufficient to cover the newly billed amount they couldn't process the partial payment. 

I called regarding the issue after 2 hours I was advides the company would not apply the payment as of the date they received funds which I feel unfairly allowed them to hold my money and continue to charge me interest on a higher principal amount for a period of time as result. 

I feel it was also confusing that they send new statements for the same due date as previously billed having a different payment amount, I would think that if a change was needed it should have been effective the following month which had not yet been billed or paid. Neither the statement or the website reflected that I owed only the difference from the amount I'd already paid and the new statemented amount. Neither the statement or the website explained why the payment I'd already made was being held in this suspence state. 

I feel their practices are deceptive and unfair to the consumer. My second mortage company sends clear communications and consistent billing, while this company is sending me different statements every over other week without clear communication of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: MI

Complaint narrative:
I have a medical debt from 2015 in collections for the amount of {$490.00}. This amount was paid by my insurance company in 2015 and the collections account is a mistake. I have disputed the account on my credit report several times, but XXXX XXXX andXX/XX/XXXX refuse to remove it. The account is with MERCH & PROF COLL BUR XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/lXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: DISCOVER BANK
State: GA

Complaint narrative:
I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Discover Bank XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I never received a verification of the debt. I have requested validation verification of the debts without any respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hi, I noticed today I have a credit card account on my credit report belonging to Elan Financial Services stating it was opened in 2014 on XX/XX/XXXX. At this date I was 14 years old and can say with confidence I did not sign up for this. My credit report notes payments have always been on time for this report and XXXX says the balance is just short of {$10000.00}. I have not known about this credit and have not used any of it, or payed any of these payments. I am trying to get to the bottom of what is a fraudulent line of credit in my name. Thank you for the help. 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 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
I received a letter, then a phone call from Fox Collection Center XXXX. On XXXX, XXXX at XXXX XXXX.This was a bill for {$3600.00} thru XXXX XXXX XXXX XXXX. Upon talking to them it was for a XXXX XXXX that occurred on XX/XX/2020 while working at XXXX XXXX in XXXX Tennessee. I was taken unconscious to XXXX XXXX XXXX in XXXX Tennessee, that bill of {$210000.00} was taken care of when transferred to XXXX XXXX in XX/XX/2020. I have been granted SSDI. Why are they HARRASSING me and telling me to contact XXXX XXXX XXXX, why is this coming up a year later. Why is it being reported to the credit companies they say it is not there problem. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Because of the Pandemic during the months of XXXX and XX/XX/2020 the car payments were late. I called the Lender and explained that Millions of people were waiting for their unemployment payments due to not working because of pandemic. Lender agreed that I would not be penalized for late payments. All of a sudden I notice my credit score drops 30 points because the lender reported me late. I was able to make my XX/XX/2020 Payment because I received the {$1200.00} stimulus check but I was still waiting on my unemployment. I Filed for that unemployment in XXXX and did not receive my first check until XX/XX/2020 and you will see that on my credit report I made a payment of XXXX and XXXX at one time. The lender did this on purpose they know late payment will drop your score and if they keep your score low they stay in business. Something needs to be done about this type of fraud. I have no problem allowing my cell phone records to be pulled to show proof there were calls to the lender during that time. What other reason would I be calling the lender? I have never called them since getting the loan and since the last call to dispute. Infact I can show my bank statements where I was not charged late fees for that month so then why was I reported late to credit bureau.

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 2021-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
The IRS made a direct deposit to my Paypal account on XX/XX/2021 for {$600.00}. The account number has been verified as correct. I spoke with one person on the XXXX that said no deposit received. I spoke with XXXX on the XXXX, he stated it has been received and he assured me my funds will be posted on the XXXX. Its been a delay due to Paypal systems. I spoke with XXXX on the XXXX, she can not explain why XXXX said itll be posted on the XXXX, and refused to give me a supervisor. She just informed me it takes 3-5 days. Today is the 5th day and nothing has posted to my account. Its really sad that PayPal, a large company like this would delay the processing of funds. Especially during a time like this. Their customer service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
I am a struggling XX/XX/XXXXlike so many are. 

I have been using my own personal credit cards to inject money to my business. 

I have since been told that's not ok. 

Fine but see the attached email to see what they asked for all things that if nothing else I would not give them anyway. They are asking for a customers personal information and my banking statements? Is that even legal? 

But here is the real problem they have held every deposit I should have received and I can't communicate with the risk department directly I have email them 5 times no response When I call the company they transfer you to a dead line to leave a voicemail I apparently have done something wrong ok I get it but they should release the money I have earned They cancelled the XXXX dollar charge but they have not given me any deposits this week. But they are withdrawing money every day for fees Please please please please help 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 2021-01-08 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: AZ

Complaint narrative:
i want to a complaint on the one of your reps representatives that I spoke with today XX/XX/2020. I spoke with XXXX in your fraud department, and a few others in customer service These representatives speak from an entitled perspective and aren't there to correct unverified, erroneous and inaccurate name, addresses, inquiries and previously disputed accounts. Furthermore the accounts that are being reported inaccurately you guys have so called verified inaccurate, erroneous and unlawful information going against the Fair Debt Collection Practices Act as well as USC Section 1602, 1605 and 1692. Due to your company not investigating my disputes from XX/XX/2020 till current you have verified the inaccurate accounts referring to XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The following accounts that I have added above have been removed from one of the major bureaus XXXX and Transunion. proof provided below, Due to XXXX and Transunion not being able to verify these accounts under the 609 Credit reporting Act they followed the laws that are governed to protect our consumer rights. Due to these two major bureaus complying with the laws that protect me why isn't your company following these laws and complying as well. Also how are you guys verifying these inaccurate and unverified accounts? These laws state that you have to prove how you are verifying this information and due to you not having this information you are going against these laws which has caused me personally major distress The following inquires First premier bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, have also been proved to be inaccurate and unauthorized by XXXX and transunion. The following public record being reported on my file is against the Fair Credit debt collection Practices Act act and the Fair credit reporting Act. You are reporting this public record as if you are the original furnisher, only the original furnisher can report accounts or information with written consent and compliance with the USC 1602 and 1692. This public record has been proved to be reported inaccurately by experian proof provided below as well. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.

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