vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX Acct is still showing on my TransUnion Credit Report, when it should have been removed for failure to verify. XXXX XXXX was removed from my XXXX  Credit report for this reason, but TransUnion has yet to remove it from my Credit Report. 

This account should have been removed as it was not properly verified and they never reponded to the original complaint with cfpb.

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 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX works with hospitals to read XXXX. Unfortunately they also bill the patients separately and do not run Patient insurance. Therefore every patient Supposedly gets a bill in the mail. The bills have no date of service and no identifying information. The only reason I know All of this is because I have Spent months trying to resolve this with their collection agency. When you call the collection agency they dont care at all that this is happening and keep referring you back to the number that goes to voicemail. All I need them to do is submit the claim through my health insurance. When you call the number they have listed it goes to voicemail 24-7. No one ever answers the phone. 

When I first received a bill for this I sent the form back with my insurance information on it and ask them to run it through my insurance. They did not. When I got the information from the collection agency, I left A message and someone took down my information and said they would file it. They do not file it. They just keep sending you bills that threaten to report you to a collection agency. 

XXXX XXXX XXXX XXXX  and see there are 70 XXXX  reviews from people caught up in the same loop that I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called XX/XX/XXXX twice to kohls representatives twice. 

The first one was XXXX in a XXXX  call center. 

I supposedly owed XXXX dollars. When we got done talking, she said just have to pay the XXXX dollars and thats it and she will waive everything. She said she was gon na put it in the notes but never did. 

So I called back like 5-10 min later and talked to a guy from Texas call center and asked if she put that in the notes and he said no. 

So I told him to have his team review my account and also for someone to review my recorded phone call with XXXX from XXXX. 

I havent heard anything until I called them yesterday. I talked to XXXX ID # XXXX from XXXX. She told me she couldnt honor the what XXXX said due to false information on her part. 

So I asked for corporate number or someone talk to and she said sorry theres no above me. 

But I checked on XXXX and saw there is a corporate number. 

My complaint is they are scamming me by saying one thing and doing another.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citi accelerated account around mid-XXXX. I used the promotional link that states : 'Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days ' Deposited XXXX on XX/XX/XXXX, maintained the balance for more than 5 months, and did not see the reward bonus coming. Contacted Citi customer service for at least three times, asked me to wait as it takes the bonus {$400.00} up to three months after 60 days to be credited into my account. Now three months passed and it is not in my account yet.

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 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Hello, I am currently banking with USAA. On XX/XX/XXXX my account was hit with a string of fraudulent charges, the first of which was a charge from a company called XXXX XXXX XXXX ( name on charge ). This is the first time that this company has ever appeared on my account in the 7 years or so I have had this account. It is also the first of multiple charges ( all within minutes of each other ) that were all indeed found to have been fraudulent. I had no idea what this company even was until today. I did some research and found that the phone number associated with the charge is connected to the company XXXX and I believe ( trough the research I did through XXXX ) that this particular purchase was for what appears to be business cloud services through XXXX software of some kind. Well, first off I am a XXXX   XXXX  who does not even own a business of any kind or sort. So, why in the heck would I spend almost {$240.00} for cloud services for a business. It literally makes no sense. To add to that point I also do not have an account with XXXX, if i don't own a business, I don't even have an account with XXXX, and I have never purchased anything for " XXXX XXXX XXXX '' in my entire history of having an account with USAA, how could they possibly have actually done an investigation into my fraud case and determined that I somehow made this purchase. This seems to be an attempt to extort what money they can from their customers and hope that they do not look into or fight it. Well I am looking and I am fighting, because I DID NOT MAKE THIS PURCHASE AND IT IS VERY VERY VERY CLEARLY FRAUD. 

Thank you, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
IQ Data international XX/XX/XXXX I reached out to discuss the XXXX balance from the XXXX XXXX  I spoke to Mr. XXXX XXXX accounts manager, I told Mr. XXXX XXXX that the XXXX was not explained in the itemized list and I was not responsible for those fees. He stated that I breached the contract by leave the apartment earlier and I explained to him that a noticed was given in XX/XX/XXXX that I would be vacating the premises on XX/XX/XXXX. I was no longer responsible for the lease after XX/XX/XXXX. Per the contract section 2-A ( 1 ). 

He then began to get upset and refused to communicate respectfully. I asked him to Provide me the same respect I was giving he proceeds to get upset and refused to discuss the account with me and the call ended. 

In the conversation I told Mr. XXXX that if the extra fees and the excessive water bill that I dont agree with was taken off I would pay the difference. He states that he is the account manager and he will not remove anything from the charges because he dont have too. 

Mr. XXXX XXXX Refuse to allow me to speak to anyone else also told me he was the only person in the company so theres no one else for me to talk to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment that was 30 days late as of XX/XX/XXXX. I had originally made a purchase with my Macy 's credit card using the deferred payment and interest option. I set automatic payments so that the balance would be paid in full before the deferred interest period expired. I expected the card to be paid in full in XX/XX/XXXX. 

I noticed that there were unauthorized charges on my credit card in XX/XX/XXXX. I contacted the company immediately upon noticing these charges. The company opened an investigation and confirmed that these were unauthorized charges and removed them from my account. 

While the investigation was ongoing, payments that I made that should have been applied to the promotional deferred interest balance were being applied to the fraudulent charges. The result of this was that all of the deferred interest was then added to my account balance. 

I contacted the company about this as well and they agreed to removed these deferred interest charges. However, because the fraudulent charges caused the deferred interest to be added there was a balance showing on the account past the date I authorized payments. 

The company has agreed to remove all charges, apply my payments correctly and update the credit bureaus that there were no late payments. As of today, the account balance has been updated to properly apply payments to the correct balance and to remove the fraudulent charges however after the company has agreed multiple times to update my credit report to reflect that there were no late payments, it still has not happened. 

The case number assigned by the company is 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 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had PayPal  and XXXX since they started and nothing shows upon my credit I need help

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2020-07-18 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
This account does not belong to me. It is a fraudulent account. When I spoke to the company about the account, they said they would close the account and remove it from my credit report. They did close the account but did not remove it from my report. I have had a fraud alert on my report for many years due to multiple fraud charges being placed on my account. I disputed the account with the credit bureaus and was told it was updated. This account originated in another city. I have no knowledge of this account what so ever and want it removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We entered into a repayment plan with Seterus in XX/XX/XXXX. We paid {$2500.00} at the time and then paid higher payments for the duration of the 18 month agreement. This agreement ended with the XX/XX/XXXX payment. As soon as I paid that, Mr. Cooper began the Preforeclosure process, claiming we were in default. I IMMEDIATELY contacted them and asked how we can be in default status when we completed the repayment plan as agreed. At this time, I checked our mortgage statements more closely and saw that they also have been charging us late fees and some other type of fee this entire time saying the payment was late every month. Additionally, oddly enough, the original amount they said we were behind was {$2500.00}. I have asked on multiple occasions for them to explain how we can be in Default. I've asked to see the assignment that gives them ownership of the note ( it has never been recorded here in XXXX ). I've asked them to review the original repayment plan with Seterus ( they can't find it ). Logic would dictate that if we weren't in default for the entire time since beginning with them, then we wouldn't suddenly be in default at the end of a repayment plan meant to cure a default. They have yet to provide an accounting as to the original {$2500.00}, why we're getting charged late fees, and how we're in default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
closed home equity line mid 2018 ; line matured after twenty years, always paid as agreed, still showing on monthly bank statement, inquired this week, XX/XX/XXXX, told we owed {$100.00} to release lien ; news to us, never received a bill, never a problem ... ... 

Currently, a number of problems with Santander, applied three times to restore home equity line, withdrew the first app because of fees ; bank treated it as a decline, next two declines spurious ; suspect Santander expects defaults from existing borrowers, does not want to add to exposure ; has already suspended dividend, stock plummeted to 2 ; now concerned that their ridiculous stringency impairs my wife 's and my credit rating.

Am inclined to pay the {$100.00} lien release fee ; but I want  assurance, no more funny business from these clowns, plus, thought I should share our recent experience ; you may want to shut their home equity line operation down until they get their other credit/default problems resolved. 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 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have my account connected with lender so I can receive funds if account low. This keeps me from incurring overdraft fees. Pnc bank is not allowing me to connect account ; therefore, I have been charged overdraft fees totaling over {$100.00} which would have not occurred if company was allowed to connect and deposit funds. I also contacted PNC to get account credit for overdraft fees and they could not credit my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
Basically I have a 30 day lateness on my Credit Score from XX/XX/XXXX 
This 30 days lateness happened at the height of the Corona Virus pandemic. At the time I was XXXX XXXX believing that I had the XXXX. Which due to my illness prohibited me from working. Later I found out that I had all the symptoms of the XXXX XXXX. I called and spoke to a representative in regards to my 30 Late payment. In hope of having my Creditor removing the 30 days late payment. 
After speaking to a supervisor from my Credit Union, I was informed that they WEREN'T able to help me. Unfortunately the 30 days lateness due to my illness of the XXXX XXXX   has put me in a huge jam. Especially since I had plans on purchasing a house at the end of the year. The 30 days lateness on my credit report has damaged my chances of buying a house at the end of the year. Since my 30 days late reporting, my score dropped at least 200 points. So please I would appreciate your help in assisting me with removing the 30 days lateness from my Credit Union. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation