vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
I sent the following email to US Bank, wherein they called me and agreed to forgive one of the fees which is unacceptable but then told me they could not forgive even one because their system would not allow them to which is a common excuse they utilize. 

Below is the letter I sent : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 U.S. Bank XXXX XXXX XXXX XXXX XXXX MN XXXX US Bank XXXX XXXX Acct XXXX : ************ I am writing to request that you refund all of the overdraft charges applied, during the past month from the date of this letter, to the account I hold with you. I do not believe that these charges reflect the actual cost to US Bank of my unauthorised overdraft and consequently believe them to be unlawful. 

Therefore, I am requesting that you refund me {$72.00}, an amount which represents the total charges applied to my account during this time. 

For your reference I have attached full details of these charges. 

XXXX XXXX I would ask that you deal with my request immediately rather than waiting for me to escalate the case traditionally as I currently am experiencing financial difficulty as a result of loss of employment. 

I look forward to receiving a response from you within the next 14 days. 

Yours faithfully, 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 monetary relief
Consumer complaint received 2022-10-27 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a Kay Jewelery Card Financed by Comenity Bank. 
I opened up Promitional plans. 
The Specific issue is I pay the minimum due and the amount towards the balance to avoid the accrued interest charge. 
At this time I made the minimum payment of {$200.00} in XXXX and {$180.00} towards the balance of the XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Totaling {$390.00}. As of XX/XX/2022 the credit has not been applied. This would close this plan and avoid the interest. I have called several time and spoke to non American CSR 'S who have no clue of how to resolve this. I have asked to speak to Supervisors and put on hold and the call is dropped..no one calls me back. 
I have to resolve this. I'm reporting this because the service sounds fraudulent. 
Why don't they understand what's going on. Why are there no American reps, why is there no higher level of reps to assist me or the confused rep. 
Is Comenity Bank financial fraudulent. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
XX/XX/2022 hired a law firm to save my house. I roughly paid them {$9000.00}. When I started seeing my house was going into auction I called them up XX/XX/2022. They told me they checked into it and told me it was not. When I have been paying them every month and they assured me that while paying them that that amount goes to the mortgage company to get this loan modification done. XX/XX/2022 my house was auctioned off. I have till XX/XX/2022 to evacuate from the property. Now my family of XXXX is having issues of finding a place to rent and stay.

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 2022-10-27 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: FL

Complaint narrative:
I reported a suspicious account opening involving my personal information to the appropriate XXXX, XXXX, and Transunion personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX I deposited a check made payable to my mother that was signed over to me. The bank did not allow this and XXXX debited my account for the amount of the check. Also on XXXX the bank put a deposit hold on the check debiting my account for the amount of the check and that is still posted to my account. So they have debited twice for the same check. I contacted the bank XXXX to correct the error. I sent them a message through their app and called. It was corrected only to be reposted the same way the next day!!!! I contacted them again and they fixed it again then reposted it the same way debiting twice the next day. Today XXXX I sent several posts through the app with no response and also called. I was placed on hold for over one half hour then the line went dead. I called again and was again placed on hold. I sent another message through the app which has not been answered and my account not corrected. I called the corporate office and was put through to voicemail. My account is in the negative due to this erro and the bank is now charging me fees and returning items. I initially deposited {$2000.00} cash and that amount has not been used. I also have {$2000.00} in a savings account. I need help correcting the errors to my checking account with Bank of the West.

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX 2022, I purchased {$100.00} worth of prepaid self-serve XXXX XXXX, to be used at self-service laundry machines and dryers. After using a laundry machine, I discovered that there was significant mildew in the laundry machine. I believe this to be grossly unsanitary and unsafe, and am extremely uncomfortable using this business ' laundry machines again. I requested a dispute with Chase on the same day after the owner rejected my requests for a refund. 

I have also seen online reviews complaining about the mildew, dating back to over a year ago. The owner responded sarcastically, without addressing the issue nor offering to resolve it. This leads me to believe that this is a persistent issue at this establishment that has never been resolved. 

My images of the mildew and the review are attached. 

Around early XXXX, I received a call from a Chase investigator. He asked me simple questions, and stated that " the mildew does not help nor hurt my case ''. I found this a very concerning statement, as mildew in laundry is clearly a health hazard. 

On XXXX XXXX, I discovered that I lost the dispute. I called the dispute department at Chase on XXXX XXXX, and I was told that I lost the dispute because " prepaid services and gift cards '' were not disputable. There was no effort on the part of Chase to investigate the conditions of the laundromat, nor was there an option to reopen the dispute. I was told to take it up with the laundromat, whose owner is denying me any refund and belittling my concerns. I have purchased something with poor quality that is clearly a health hazard, and Chase has not offered me any protection as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Called XX/XX/XXXX to get a refund for payments i made during Covid. Was told it would take 14 days for a refund and my balance would come up to original state in 5-7 days. It was then XXXX  and I called them to follow up on a statues and was told it can take up to 60 days but my request was submitted according to the rep and waited on the line for 3 hours before finally speaking to them. It is now XXXX  and I have yet not seen any action on my end my loan balance is the same and I have not seen my balance go up or even see a refund in progress on my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
To whom it may concern, I attempted to extend my credit for {$20000.00} on XXXX XXXX, 2022. The Truth in Lending Act pursuant to 15 U S. Code 1601 ; it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
I am aware of your company 's discriminatory practices, as well as your unlawful and unjustifiable means when making decisions. I performed a consumer credit transaction and was denied my right to an extension of credit through you ; creditor after applying in good faith which violates 15 U.S. Code 1691 ( a ) ( 3 ). A transaction took place using my credit card as per 15 U.S. Code 1602 ( l ) and I the consumer never benefitted which violates 15 U.S. Code 1602p. 
As a consumer, I am protected by XXXX XXXX Chapter XXXX. Pursuant to 15 U.S. Code 1692c ( c ) ( 3 ), I am hereby invoking my specified remedy as a consumer and the original creditor : 1. Grant me my right to an extension of credit.

2. Report all payments as paid in full, satisfied.

3. Deletion from all consumer reports. 
Failure to honor the demands provided within 14 days of receipt of this notice may result in litigation. 

Kind Regards, XXXX XXXX Without Prejudice XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened the account at the beginning of XXXX, and I tried to Direct Deposit {$1000.00} from XXXX to HUNTINGTON BANK. I mistakenly sent the wrong directions, and after the banking message for one day grace period, I immediately deposited a {$2000.00} check into HUNTINGTON BANK. They took two weeks to review and told me my account was temporarily closed, and now I can not move any of my balance ; they used one week and still did not give me satisfying answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
By my understanding credit reporting need to be accurate on all 3-credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX has a status as paid and is still showing under collections. 
The next account is BMW financial It has been closed for years and all of a sudden has a balance update of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This account also is not accurately reported on my other credit reports XXXX due amount {$25000.00}, it also says a status of charge-off. In the comments it is transferred to recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Source Receivables Management LLC
State: AL

Complaint narrative:
Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XX/XX/2022 Account number XXXX Current creditor : XXXX Original Creditor : XXXX Original Creditor XXXX # XXXX Dispute Balance : {$500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 Account # XXXX Balance {$790.00} XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  MS XXXX XX/XX/2022 Account # N/A Balance {$1100.00} LAST reported : XX/XX/2022 I sent the credit bureaus letters asking to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cuss to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XXXX I received a notice from Discover Bank that XXXX was no longer available to me because I enrolled in the service after XXXX. I had transfers in progress at that time which did not complete due to this action. Subsequently I opened a new bank account at a XXXXXXXX XXXX  and attempted to enroll in XXXX. I received an error message. I contacted Discover Bank to ask that they unenroll me from XXXX, which they said they had done. I tried to enroll in XXXX again via XXXX and received the same error as before. I asked XXXX to look into the issue, and they said a ticket was opened but there has been no response. I spoke with Discover Bank a few times and they would not tell me why XXXX was made unavailable or when it would be available again. 
I have communicated with others on XXXX and XXXX who have similar issues. 
XXXX ( XXXX ) I received a response from XXXX via XXXX that I should call their customer service phone number and spoke with someone who told me my phone number and email address were placed on a restricted list. They will not tell me why I was placed on the restricted list or how I was placed on the list and indicated that there isn't a way to get off the restricted list. 
I am not aware of any issues with transactions on my accounts or any fraudulent activity. 
I did speak with someone in the executive offices at Discover Bank who alluded to Discover notifying XXXX that a large number of accounts were fraudulent, and that this may have been in error. 
I would like to be able to use the XXXX service again but am unable to do so due to being placed on the restricted list. So far as I know I have not used the XXXX service in a way which would violate the terms of service or any regulations. 
I believe that there are many others in a similar situation and that this is due to an overzealous attempt to prevent fraud, but it has restricted my ability to send and receive money from friends and family. 
I request assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I checked my credit report moments ago and noticed for the first time that I had an unpaid collection listed. I never received any notices about this balance. 

The collection does not list an original creditor. It simply lists the name XXXX XXXX. The amount is {$720.00}. This is fishy and I do not know what to do. Has someone stolen my identity? Is there a way I can get more information about this collection without paying money? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I told a loan # XXXX I fell behind on my mortgage I file for loan modifications they were supposed to take {$25000.00} off the loan they never did XXXX of XXXX I file for bankruptcy the bill was {$190000.00} on the loan.i sold the house I had to pay XXXX XXXX needs to know why went up {$70000.00} within 2 years please have them detailed so I can understand because it doesn't look right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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