vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Here is the letter I wrote to Bank of America that explains the issue. Today, XX/XX/XXXX, I was again denied any relief from the nine overdraft fees due to family hardship : XX/XX/XXXX Dear Bank of America, I just got off the phone with Customer Service Supervisor XXXX, id number XXXX. He refused to refund any of the nine overdraft fees ( {$310.00} ) we incurred during a recent family crisis. The fees were charged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found him particularly unsympathetic and unempathetic. I was in Minnesota with a mental health crisis involving my daughter and was completely distracted regarding personal finances. I was surprised that not even one of these nine fees could be refunded, particularly as in recent years I have found BoA to be willing to help us out and assist with fees. He referenced the numerous recent fees that the account has incurred and recent fee refunds BofA has provided. With the overdraft protection that we have, my research comes up with the followingfee refunds in the past two years : ( Image here of a total of {$250.00} in fee refunds XX/XX/XXXX-XX/XX/XXXX. ) A total of {$250.00} in two years hardly seems excessive. I would ask that this situation be reconsidered and that some if all of the fees are refunded to provide us a small bit of financial relief in these difficult times. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: NJ

Complaint narrative:
I refinanced my home in XXXX. The mortgage was immediately sold in XXXX to paramount residential mortgage group based out of california. I made my first two payments through them. They then changed to a paramount mortgage group based out of somewhere else ; complete with a new mortgage number. I mailed my third payment to them ( i am paid till XX/XX/XXXX ). My account is an escrow account. I received notice from my insurance company that my insurance was not paid. I called them and they said not to worry with the issues with postage it may just be delayed. On XX/XX/XXXX i received a letter from the mortgage company threatening to force insurance on me at a high rate because i have not provided them with proof of insurance. The letter also claims that i am not set up to pay insurance through escrow which is not true as the escrow amount was set up on the closing of my refinance with my proof of insurance and rates factored in. This is insane. I have been a homeowner for over 8 years and have never had this type of issue. Its poor business. Why would the mortgage not transfer with all the correct information? What options do i have?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
On XX/XX/2021, I noticed the following accounts on my credit report after previously informing the credit bureaus of the fraudulent accounts. Please assist me with this matter immediately. 

1 : XXXX XXXX XXXX ACCT : XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
This account was never late. At the time of the late payments reported to the Credit Bureaus it was in deferment and then transferred. I am requesting that the inaccurate late payments be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are several accounts showing on my credit report with activity ( both charges and payments ) I am not responsible for. These accounts are unknown to me, and I was not aware of the debt until I viewed a credit report earlier last year, and then began disputing. I have repeatedly given them FTC reports, and disputed with credit bureaus and it is not getting resolved. They send dismissive letters that do not adhere to the FTC notice to furnishers regarding my rights. They do not send the application and receipts ( proof ), delayed closing the accounts, and basically just ignore the requests I make or dismiss them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted Equifax on numerous occasions to discuss the different accounts and inquiries on my credit report that should be deleted. I have been told that I need to contact the companies about the inquiries and have them delete the information but I have contacted the different companies and they stated the credit bureaus can delete the information. I have explained this information to Equifax over and over again and they continue to not delete. I just want the most accurate information reported and right now that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TX

Complaint narrative:
COLLECTION/CHARGE-OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSED. 
COLLECTIONS IS A CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMIT NO PAST DUE AND NO PAYMENT STATUS PER FCRA. INACCURATE DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED. ALL VIOLATIONS NEED REMOVING. 
1.XXXX  XXXX 2.XXXX XXXX 3. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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:
COLLECTION/CHARGE-OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSED. 
COLLECTIONS IS A CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMIT NO PAST DUE AND NO PAYMENT STATUS PER FCRA. INACCURATE DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED. ALL VIOLATIONS NEED REMOVING. 
1.XXXX  XXXX  2.XXXX  XXXX  3. XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: IL

Complaint narrative:
My daughter refinanced her XXXX XXXX Student Loan with Earnest with a loan approval date of XX/XX/2020. Earnest was supposed to payoff XXXX XXXX by XX/XX/2020. 

On XXXX XXXX she received notice from XXXX  XXXX  that she was in arrears on the loan. She inquired with Earnest via phone found that Earnest had a batch of checks that did not clear the bank and had to be resubmitted. Ernest had not contacted her about this delay. Previously they had told her that her XXXX XXXX  loans had been paid. Her accounts with Earnest reflected that everything had been paid and disbursed to XXXX  XXXX.

On XX/XX/XXXX she received notice from XXXX XXXX that Earnest still had not received a payoff from Earnest and that I was 60 days in arears on the loan. To this day, Ernest has not contacted XXXX XXXX to take responsibility for the error. This is now affecting both her and my credit score ( as her co-signer ). 

Although Earnest paid XXXX XXXX as of XX/XX/2020, my credit score has not changed. I am respectfully requesting that you investigate Earnest and 1 ) request they contact XXXX XXXX Education Financial Services and take responsibility for the lateness of the payment and payoff, and 2 ) instruct earnest to request XXXX XXXX request a rapid rescoring of XXXX and my credit with each of the three credit bureaus. 

Please note that this new dispute relates to closed CPFB Cases XXXX and XXXX. 

XXXX XXXX Student Loan # XXXX XXXX XXXX Case Numbers XXXX and XXXX Earnest Request Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an automated call from ( XXXX XXXX XXXX offering to lower my Chase credit card interest rate. When speaking with the person, they asked for my expiration date of the card which I did not give them. Then they began asking what other credit cards I have and said they work for XXXX XXXX also. Then said they dont work exclusively for Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I received an email alert from XXXX XXXX stating, " Hi XXXX, A new inquiry was just added to your XXXX  credit report. XXXX This could affect your score, but the change will make less of an impact over time. 

If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. '' When I checked my current credit score it showed that it had dropped a few points due to an inquiry made by SALLIE MAE BANK ... I have never done business with this entity nor have I applied to open a credit-line or open a loan from them. 
Is this someone trying to commit identity fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 

At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! It your own dumb-ass fault XXXX XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! The staff here is poorly trained and unprofessional, how could you not know your job? Playing I don't know 's with somebody life. The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. The IRS inform that they can not send me out another check, I would have to go to the website and fill out a 1040-SR form this will take months. I can't buy food, sorry! I can't pay my light bill, sorry! Take it up with the IRS, have them send you out another one, sorry! So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! I the XXXX no help either. Your TD Bank branch people should be fired. I am without food and can ' pay bills, what am I suppose to do? 

Was sobbing me eyes out TD Bank could care. 

I have email the head of TD Bank 's departments. 
Will take legal action if I am not compensated, your bank broke the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
NEED MY PREVIOUS NAME TO BE DELETED NOW SEE LETTER OF EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: IL

Complaint narrative:
DEPT OF ED/XXXX- Account number XXXX ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CITIBANK, N.A.
State: OR

Complaint narrative:
citi has decreased my credit limit from about {$15000.00} to {$500.00} only because I have paid the us postal service adress change {$100.00} with the citi card and their non sense programs have blocked the card for further use, during the holiday season, from about XX/XX/2020 up to today the card was not usable because they have placed a block on the card simply because I used the card to pay {$100.00} they have decreased the credit limit but their complaints are increasing There are many online complaints for the same citi non sense : cards are bocked when used and credit limits are decreased when card are used citi cards can be requested, but no one have to use the cards, otherwise they will block them there are many stories about their fraud non sense department and their psychological problems

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 2021-01-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent inquiries i never did inquiries with these companies XXXX XXXX  inquiry date XX/XX/2020, and XX/XX/2020 XXXX XXXX  inquiry date XX/XX/2020 These inquiries are fraudulent I sent XXXX  proof of police report that I'm a victim of identity theft these inquiries are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.

Complaint narrative:
On XX/XX/2020, I learned there were four medical debts sent to collections. The collection agency is I.C. System, Inc. I disputed the collections with XXXX, XXXX, and XXXX, because I was not aware of these medical bills. I have no information regarding this medical bills. Apparently, I.C. System, Inc, verified the debt with all three credit bureaus. 

On XX/XX/2020, I contacted I.C. System to find out why I have medical debts in collections. The medical debts total in over {$6200.00}. I found out they have a total of 6 debts in collections. I requested for itemized bill for the collection of over {$6200.00}. I.C. System refused to send me an itemized bill. They said I have to contact the original creditor. I.C. System is trying to collect on a debt I don't even know what it is. They should be sending me an itemized bill so that I can review it to find out whether I was charged correctly or not. Please contact I.C. System and have them either send me an itemized bill or have them immediately remove all medical debts from collections on all of my credit reports.

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 2021-01-19 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There are several accounts showing on my credit report with activity ( both charges and payments ) I am not responsible for. These accounts are unknown to me, and I was not aware of the debt until I viewed a credit report earlier last year, and then began disputing. I have repeatedly given them FTC reports, and disputed with credit bureaus and it is not getting resolved. They send dismissive letters that do not adhere to the FTC notice to furnishers regarding my rights. They do not send the application and receipts ( proof ), delayed closing the accounts, and basically just ignore the requests I make or dismiss them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 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: IL

Complaint narrative:
DEPT OF ED/XXXX- Account number XXXX XXXX  ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the XXXX XXXX and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.

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