vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed an unverfied account ( XXXX XXXX ) with EXPERIAN LLC XX/XX/2020 I was informed by Experian on XX/XX/2020 that the account ( XXXX XXXX ) was removed from my Experian report. on XX/XX/2020 the unverfied account was placed back on my Experian credit report without notifying me within business days. Under the FCRA guidelines Credit Bureaus reinsert a deleted item from your credit report without notifying the consumer within 5 business days the violation is consumer protection afforded by the FCRA THE FINE IS {$1000.00} paid to me and the legal jurisdiction FCRA section 611part ( A ) ( 5 ) ( B ) ( ii ) Experian has refused to pay the fine and I demand now experian pays the fine to me within 15 days

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 2020-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
I used their finance service to purchase an item at XXXX XXXX 2 months ago. I've been trying to create an account to log in to see/pay my bill and have been unable to do so. Every time I try to verify my phone number as required I get the same error message " Failed to Send The Code To Your Phone. '' I've been calling/emailing/XXXX  Messaging them for the 2 months and still not have any resolution. The few times people have responded, they asked for a screenshot of the error message, which I send right away then I never hear back from them again. There is NO phone number for the corporate office in XXXX, OH, only their off shore call centers. I've had 11 different people tell me that their supervisor will call me back in 24-48 hours and I've NEVER gotten a single call. I've been told 7 times that this will be escalated to their technical team and that it will take 7-10 days for them to fixe the issue. It's been TWO MONTHS AND I'VE NEVER HEARD BACK FROM ANYONE AND STILL CAN'T LOG IN TO SEE OR PAY MY BILL. I can't even get my account number from anyone. 

I've attached a copy of the chat from XX/XX/XXXX that I've never heard back from, like all the other means of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
There is an inquiry on my credit report from JPMCB from XX/XX/2019. I did not apply for any new credit around that time nor did i authorize for anyone to run an inquiry. I have never done business with JPMCB and have written the company directly on several occasions to remedy to situation, they have failed to respond. When i call customer service they require this in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking account for a business at Bank Of America, XXXX XX/XX/XXXX I deposited 3 different checks for XXXX each from the same person with three different dates. The check were from XXXX XXXX and they were dates as follows : -check numer XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX On the XXXX of XXXX my bank Bank Of America pulled out {$150.00} from my account claiming that a check was double deposited. 
I filed several claims at several dates and the answer was that they can '' t fix the issue and I myself have to contact XXXX XXXX and claim the money.

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 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: F.H. Cann & Associates, Inc.
State: NJ

Complaint narrative:
A representative by the name of XXXX XXXX from FHCANN & Assoc. Called and stated " if you don't want to deal with this account ( debt ), then we will call your relatives and ask them about it ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted two payments from my Citi account to my credit card companies. One was {$35.00}, the other was {$50.00}. According to both the mobile and desktop site, I had sufficient funds available for the transactions. 

However, while other transactions that were completed later were processed, both payments were returned for insufficient funds. I then tried to resubmit the payments on XX/XX/XXXX, and was told that those payments would be returned, as well. 

The representative told me that Citi presents payments in a hierarchy, which sounds incredibly problematic. Citi has no right to withhold my money to pick and choose to pay items as it sees fit. Citi also has no right to show a different account balance in real time than it shows historically. Citi must pay items in the order in which they are presented, and reflect the account balance accurately to the customer. 

The representative also advised me to use their bill pay system to avoid this situation in the future. The customer should not be forced to use a service they dont need in order to avoid Citis hierarchy. 

Citi consistently withholds funds to credit card issuers, which has resulted in higher interest rates and financial hardship for me. Information on Citis online and mobile platforms always conflict with information the representatives give by phone. This is dishonest business, and Citi needs to be held accountable.

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 2020-12-11 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX/XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3  accord and XXXX Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My AT & T Universal Card has no one answering the phone. I pay my bill in full each and every month and have done so since being a member since XXXX. Since the COVID-19 Pandemic, card statements are coming later and later each month, in fact, I did not rec ' a bill in XXXX at all. They refuse to adjust {$29.00} in fees and {$18.00} in interest. 

Bills have been coming in my mail later and later and despite mailing on time they appear to be " arriving '' at their locations late, resulting in their " fees '' ( note the do not call them late fees in the account summary which is misleading. They also charge interest payments but DO NOT SPECIFY the interest rate charged, also misleading. 

The company has a misleading paper billing statement. Billing period is XX/XX/XXXX - XX/XX/XXXX yet they state that my billing period is the first of every month. When this happens the company states that I can go paperless and sign up for automatic bill pay which to the company makes their life easier but as a victim of on line fraud, I do not want to sign up with this option. I prefer paper bills and do not want to be at the mercy of faulty mail and billing schemes as well as interest rates of 29.89 % which is disgraceful for someone with a XXXX FICO score. 

CITI ATT UNIVERSAL CARD XXXX XXXX XXXX XXXX XXXX, SD XXXX. 15-20 minute wait time for live operator. 

I would like to know if there are internal marketing " goals '' that encourage paperless, direct payment from banks as a business decision which forces consumers onto web sites and be open to fraud. 

Is the CFPB looking out for the consumer or defending the " big '' credit card companies during a COVID Pandemic? This is a question that many consumers have and it seems the Credit Card companies are getting away with misleading fees and late charges. 

I would like to know if late fees and interest fees have increased during COVID-19 and what the CFPB is doing.

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 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I am a California resident since XXXX. I last traveled outside the state to Texas in XXXX. Recently, PAM sent me a notice of delinquent fees claiming I drove on a XXXX XXXX. PAM refuses to provide documentation to prove their case because the proof does not exist. PAM continues to harass me for a debt that I do not owe A review of the XXXX website shows PAM LLC had 329 complaints against them for billing relating to the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
In XX/XX/2020 I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I completed the paperwork for this truck, which included financing through Toyota Financial Services ( TFS ). The truck was located at a different dealership and I was told that I could take ownership of the truck the next day. However, the other dealership sold my truck to someone else later the same evening as my purchase. 

XXXX XXXX XXXX was eventually able to locate another truck with similar specifications and I purchased that truck the following week. Similar to the first truck, I used TFS to finance the purchase. 

I refinanced my loan through XXXX XXXX XXXX XXXX ( XXXX ) once I received the first statement. However, following the refinancing I kept getting statements from TFS. Upon some research I determined that the dealership had never canceled the loan for the original truck that I did not take ownership of and I actually refinanced the loan for the truck that they sold to someone else. 

I have been working with the dealership and TFS for about 4 months to try to resolve this issue. However, I now somehow have three loans through TFS for XXXX  a XXXX XXXX  in addition to the only valid loan through XXXX. I have spent hours on the phone with the dealership and TFS. TFS has hurt my credit rating by reported the loan as delinquent and put my security clearance at risk. 

I feel that I have been too patient for them to correct their error. TFS has failed twice this week to follow-up as promised. Ultimately, I feel like I need to reach out for help now that their lack of effort to fix the situation is potentially threatening my career.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
Franklin Mortgage started foreclosure on my property. Franklin Mortgage admitted fault per the attached exhibits. Franklin Mortgage and their foreclosure attorney from Utah, XXXX and XXXX, also stated that the delinquencies would be removed many months ago. 

This has gone on now for over 2 years and they negligently continue to negatively affect my credit and financial well being. 

The disregard for decency by this lender and lawyer is detrimental to their customers and unacceptable by any standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I received a pair of emails on XX/XX/XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX  congratulating me on my new credit cards ( they were in my Spam folder ). I had not signed up for these cards ( I received a similar congratulations on XX/XX/XXXX after I signed up for what turned out to be a fake job website that forced you to apply for a credit card ). This week I received two cards from both banks, again unrequested. I noticed that one of the credit bureaus has an unauthorized hit from Continental Finance.

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 2020-12-12 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: MO

Complaint narrative:
Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX XXXX {$120.00}

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 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy's- Account # XXXX I have tried to resolve this account with Macy 's numerous times and my account is not resolved. This account was used FRAUDULENTLY in 2019 when I was alerted of charges made and contacted Macy 's immediately to resolve. I was told by Macy 's that indeed there was suspicious activity and that the case would be investigated. The case was closed and my account was not fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Bank of America Debit card had funds stolen from it. BOA refuses to engage and or, refund the money. This, since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: KEYCORP
State: IN

Complaint narrative:
The bank was returning charges and impossing {$38.00} returned charge fee multiple time throughout a month. This is after I had elected to have overdraft protection, which they showed j that I didn't even though on my online banking app I did. Further these returns kept the bank from being able to give me details on these attrmpted charges which made it impossible for me to attempt to verify the validity of them, which upon investigation were not authorized instead fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
Netspend sent a prepaid credit account to an address that I haven't lived for 7 years. Luckily, my friend bought the house from me, and texted me the info. I can not believe they are allowed to send unsolicited credit cards, that can easily be activated by anyone. I tried to call to have them remove my information from their database, but it won't let you speak with a representative, it will disconnect the call if you don't activate the card. I also sent them an email. I do not want my name associated with this.

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 2020-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Saks credit service through Capital One, continues to penalize and incorrectly add fees and report to the credit bureaus incorrect information. Every single month a late fee! Every single month! Even when payments were processed by reps to be skipped due to pandemic. Saks Card ( Capital One ) then report it late to credit bureau, through no fault of the customer. 
I have been trying continuously to communicate and advocate for myself as a concumer and former account holder but every since the accountwas closed, it has gotten worse. There has to be a means for the company to stop charging the late fees and inaccurately reporting to credit bureaus on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2020 I owed {$27.00} on my Bank of America credit card. I paid them. My balance was then XXXX. They then charged me this amount again and debited this from my bank account. They had no authorization at no time ever to do so. I havent used the card since then. I tried desperately to correct this with the organization. I've made phone calls, left XXXX messages, plus sent two or three emails -- all of owhich were ignored. On two calls, they admit their fault. Bank of America still didnt remove the charge. I filed a XXXX  complaint ( which they refused to respond to ) I disputed the {$27.00} charge with my own bank and it was settled in my favor. Interestingly, it also no longer appears on my Bank of America statements -- just the {$25.00} -- now {$26.00} charge. 

Now, Bank of America charging me {$25.00} for a returned check fee. Then they tacked on a {$1.00} late fee because I refused to pay the {$25.00}. Thing with them they are non-responsive and unwilling to assist the customer and I owe them nothing.

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