vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I/we bought a home which was financed through US BANK XX/XX/XXXX as a 30 year mortgage through the American Dream Down payment program. Over the years, payments were made to US BANK and often placed in a " suspense account '' which I/we weren't aware of. I/we were making many payments which they accepted, and failed to apply toward the mortgage loan. As a result, not only did they have the funds in their hands, I/we received no credit for it and therefore were forced to pay late payments and damaged credit. For the last couple of years, I/we attempted to make extra principle payments and found out that they too went to a suspense account which I/we knew nothing about. As a result, I/we attempted to remove the escrow ( which I was told multiple times could be done since there is quite a bit more than 20 % equity in our home, only to find out we had been misinformed multiple times. They are now saying that because this is an " American Dream '' loan, It can not ever be removed from escrow. This was in complete contrast to what was being told throughout this process. My regular mortgage payment is only {$500.00} and is now going to about {$1000.00} which is unaffordable. The way this mortgage has been handled ( whether is legal or not ) has been very costly with SEEMINGLY late payments and fees and they have offered no relief. I offered to prepay my taxes ( which the county allows ) and pay my mortgage premium in full for the year and was informed that if that even if that was done, they would still require that I/we pay the XXXX dollar a month. Refinancing would probably be a problem since payments " appear '' to be late. If they weren't going to apply the payments to the loan they should have been returned not held for the benefit of the bank. All I'm asking is to be allowed to pay my own taxes and insurance so that my money can work for me and not US Bank. This bank claims that they waived a couple of late fees which they should have done because THEY posted a payment to their " suspense '' account which was clearly a mortgage payment and caused a domino effect. After proving it, they went back and made adjustments ( still affecting my payment history ). This is an attempt to do some damage control and get my mortgage under control. There is no risk to this loan by allowing me to pay my own taxes and insurance. That's all I'm asking as it would be a great relief. A look at the history of payments that went to their " suspense account '' would tell a lot. I/we also requested a history of the payments that were processed since this loan began and got one only since XX/XX/XXXX. I will request another one from the beginning of the loan. Any assistance will be greatly appreciated. Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Yes hello, I am being harassed buy a credit company XXXX  XXXX/Swiss Colony for a charge-off debt on my credit report. 
My account was closed and posed as a charge off on my credit report in XX/XX/XXXX, because of late payments that could not be made due to the loss of my job and no income at the time. 
Since that time and now/recently once again, they have continually intentionally put a bad mark on my credit reports as a charge off once again on XX/XX/XXXX. 
Like I said this is harassment and I would like it to stop! 
I'm fully aware of the amount owed/due, which is {$210.00}, not {$860.00} of the whole amount. 
I have made many payments on this account and they are trying to stick me for the whole amount/bill which is wrong and illegal. 
I would simply like to have this issue resolved/resolution made as soon as possible, I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I filed a formal complaint with Shellpoint Mortgages and they have corrected only a portion of the problem. 

Shellpoint notified us that our flood insurance lapsed in XX/XX/XXXX and if proof of coverage was not provided, they would place their internal flood policy on our payments starting on XX/XX/XXXX. We provided proof ( via email and an via an upload link ) that we had coverage on several dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The surcharge was {$190.00} for XXXX and again {$190.00} in XXXX. Shellpoint finally recognized our coverage and indicated that this issue should be closed on XX/XX/XXXX. However, they only promised to refund {$280.00}. Shellpoint should refund the full {$390.00} The original complaint ( XXXX ) is closed, but I am not satisfied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score with experian is a XXXX compared to a XXXX with XXXX & XXXX with XXXX. Nothing on that credit report justifies a poor score. The only " repair '' they recommend is opening an additional 2 credit cards, which is ridiculous. Please advise on how I can fix this, I have been working exceptionally hard at improving my score for well over 5 years now ( talk about running in mud ) If I need to take out a loan for an emergency I would be sunk because of this score.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX also sold my account over to AMERICAN RECOVERY SERVICE INCORPERATED which they are now attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my my credit report. AMERICAN RECOVERY SERVICE INCORPERATED is also in violation of 15 USC 1692j for furnishing certain deceptive forms trying to collect debt not owed to them ( See attachment Exhibit! ). AMERICAN RECOVERY SERVICE INCORPERATED Is also in violation of15 USC 1692b ( 5 ) for putting their logo on the document ( Exhibit A ). AMERICAN RECOVERY SERVICE INCORPERATED is in violation of 15 USC 1692b ( 2 ) saying they are a debt collector and saying " This is an attempt to collect a debt and any information is obtained will be used for that purpose ( Check Exhibit A )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting a PDF of my complaint because when I review my document, all the paragraphs have disappeared and it looks like a child wrote it.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
After 17 years of having a Netspend account, they changed their flat rate for over the counter withdrawals from {$2.00} to % 1. However, it states on their website that the over the counter withdrawal fee is {$2.00}. On XX/XX/2021 I did an OTC withdrawal, and they charged me {$8.00} fee. I called to dispute the fee same day, and was told that they didnt change their fees that it is still {$2.00}. Yet, when I called back on XX/XX/2021 the Netspend rep stated that they changed their fee to % 1 on the dollar. They never updated this change on their website, nor notified their account holders. The rep reimbursed me {$5.00} and just said sorry, and hung up on 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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint involves TransUnion credit bureau and XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX falsely reported 90 days past due to my consumer credit file [ together ] with TransUnion. When I attempted to submit my DISPUTES on XX/XX/XXXX and early today, XX/XX/XXXX in response to XXXX XXXX XXXX XXXX 's fraudulent reporting ( 90 days ), my TransUnion consumer account would NOT allow me to submit my DISPUTE against XXXX ( with a TransUnion message : " Dispute Temporarily Unavailable '' ). I am filing this " timely '' DISPUTE, against TransUnion and XXXX XXXX XXXX XXXX [ together ]! I have kept, my XX/XX/XXXX car payment receipt. Technically, my XX/XX/XXXX payment isn't late until XX/XX/XXXX. In XX/XX/XXXX, I requested a deferment of my XXXX car payment via MrXXXX XXXX XXXX, President. He responded via an emailed transmission. I responded to his emailed transmission via USPS Certified Mailing with RETURN RECEIPT REQUESTED! IT IS MY POSITION, THAT LOCU employee 's ARE UNLAWFULLY PRACTICING SYSTEMIC DISCRIMINATION/HARASSMENT/RETALIATION based on my race, age, sex, disability, previous filed CFPB Complaints, XXXX filed complaints, financial status, financial hardship, and all other applicable violations ( i. e. FCRA ; ECOA ; Civil Rights violations and etc.. ). Prior to XX/XX/XXXX and after XX/XX/XXXX I have kept all of my receipts and documented emailed transmissions from XXXX. It is important to record, XXXX have reported fraudulent information to ALL consumer credit files. XXXX, have even breached agreement with me by assessing a {$40.00} late fee from each of my monthly car payments regardless of me paying timely or NOT! I AM DISPUTING, ALL OF XXXX DECEPTIVE TRADE PRACTICES! XXXX HAVE REPEATEDLY REPORTED TO LOCU THAT DUE TO EXTENSIVE JOB LOSS AND COVID-19 ( A NATIONAL PANDEMIC ) OUR PAYMENTS WOULD BE LATE OR SHORT SOMETIMES! HOWEVER, XXXX HAVE REPEATEDLY PRACTICED DISCRIMINATION, [ together ] with Experian, TransUnion and Equifax INSTEAD! I will fax any and all supportive documentation to CFPB for the sake of this complaint! IT IS IMPORTANT TO RECORD, THAT XXXX XXXX XXXX, ISN'T A MEMBER OF XXXX AND HAVE NEVER BEEN A MEMBER OF LOCU! VC @ 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 2021-03-04 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they made an unauthorized request for my credit report from XXXX according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail with a set of questions. 

After a back and forth that took several months with FIRSTBANK requesting more personal information that I didnt particularly want to share with them on XX/XX/2020, Mr. XXXX XXXX from FIRSTBANK finally acknowledged their mistake and proceeded to correct the unauthorized credit inquiry, but that was only after I sent a copy of my Drivers license and Social Security card as they requested. 

On XX/XX/2020, Mr. XXXX XXXX declined my request to return the copy of my Drivers license and Social Security card allegedly because they are required to keep documentation about their clients. 

Please, ask FIRSTBANK to return the copy of my Drivers license and Social Security card that I only sent to them to validate my identity and correct a mistake of their making. Im not a client and dont feel comfortable with FIRSTBANK having a copy of my personal documents. The only thing that they have proven is that they cant protect confidential information from their own employees.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent in my disputes but no response on them. My inquire dispute and Collections. 

Can someone 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 2021-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent in my disputes but no response on them. My inquire dispute and Collections. 

Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, one of my creditors, Comenity BankXXXX, submitted an unauthorized payment in the amount of {$33.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). I never authorized Comentiy BankXXXX to submit that payment on my behalf. I did not have that amount of money in my XXXX  checking account when the payment was submitted, thus XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. 

So, on the evening of XX/XX/2021, I called Comenity BankXXXX to inquire about the unauthorized payment. After being transferred amongst representatives, and being placed on extended holds, their best option was to remove my online Comenity Bank/XXXX account, then recreate it. They suggested that my account may have been breached by a family member, or that an authorized account user submitted that payment. I do not have any authorized users on my Comenity Bank/XXXX account, and none of my family members has access to my online account or bank information. 

Additionally, I tried unsuccessfully to login to my Comenity Bank/XXXX account on Friday, XX/XX/2021, and then again on Wednesday, XX/XX/2021, but I was locked out. My username and password combinations did not work. I tried to use their automated system to reset my password, but it did not recognize my username. Interestingly, my username was valid because one of the Comenity Bank/XXXX representatives stated to me that it was correct. Consequently, I was never able to log into my account again to see when and where the payments were being setup. 

Then, the Comenity Bank/XXXX representatives suggested to me that I was enrolled in their Hardship Program because I was late on my payments. I do not recall enrolling into their Hardship Program, and I definitely did not schedule an automatic payment for XX/XX/XXXX. 

Today, XX/XX/2021, I received another {$30.00} Return Item Fee - ACH from XXXX, because another Comenity BankXXXX payment was attempted. This action has pushed my checking account further negative. In addition, I do not recall any past attempts to collect funds during consecutive days - there normally exists a several days gap before payments are attempted to be deducted from my bank account. 

Ultimately, I want to recoup any all fees and/or fines that may be levied against Comenity Bank/XXXX and XXXX XXXX XXXX XXXX XXXX I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED AUTO ACCEPTANCE
State: OK

Complaint narrative:
United Autos keep reporting to the three credit bureaus that this account is open and due. This account was included and discharged in my bankruptcy in XXXX. The account was opened XX/XX/XXXX. This account is 7yrs and 9months old. This account should be removed from my credit report due to it being old and included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
My employer sent me a gift amount approximately XXXX. in a visa debit card. I activated the card last week went to use it believe XX/XX/XXXX told it was emptied. Upon further investigation told multiple purchases made at XXXX by a person last name XXXX lives in NJ. I have filed a report with my prepaid center visa debit card. I have no idea how this could have happened but left feeling vulnerable. I believe I tried using the card at a XXXX XXXX before realizing the card is good for certain stores chains. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Trans union and XXXX credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XXXX is an app embedded within PNC bank which allows you to receive or send money. I used this option thinking that it was protected from fraud since it's embedded within my bank. I was a victim of fraud on XX/XX/21 for the amount of {$1000.00} that I sent to XXXX XXXX using the email XXXXXXXX XXXX XXXXXXXX for the security deposit for the home I " rented ''. Then again on XX/XX/21 for two separate amounts, in the amount of {$1000.00}, and {$160.00} for the first month 's rent, pet fee, and electric bill. These transactions were part of a fraud scheme I encountered when trying to rent this home. I contacted both PNC and XXXX and was told that there is no fraud protection for this, and that that I could not file a complaint. I was then told to file a complaint online to try and recover my funds, and prevent my identity from being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: OK

Complaint narrative:
XXXX XXXX  and Equifax credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: United PanAm Financial Corp.
State: OK

Complaint narrative:
XXXX XXXX and XXXX credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a Chase debit card linked to a newly opened checking and savings account. I contacted the company and closed the account because I didn't open the account. Someone stole my identity to open it. Chase closed the accounts and filed a claim.

Company response to consumer: Closed with explanation