vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: NJ

Complaint narrative:
I requested for Experian to remove the bankruptcy from my credit report because the information they received is incorrect and was not received directly through the bankruptcy court. In the State of New Jersey, the bankruptcy court DOES NOT report to the credit bureaus at all, therefore making this record unverifiable. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2021-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Im trying to sell my house as a short sale the second lien holder is asking for over 50 % of a debt I owe and it is holding up the whole deal I have been trying to sell this house 9 months already first they asked for XXXX then they said XXXX I owe about XXXX but I did bankruptcy so they suggested either we put up the money or the buyers! The main bank is willing to give 10 % I dont know what to do how else to deal with this I just want to sell before the house foreclosures. They clearly dont even care the house has been empty for over a month already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 would like to report on error in my credit profile. I do not know the account in my profile, and I do not recognize it so could you please remove it as soon as possible because I am planning to use my credit profile soon for the life important purposes. For me its clear identity theft and I am a victim. I think somebody used my personal information or its error in reporting but I do not know this item. Please take appropriate actions and remove it once and forever and asap ... .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 2021-02-03 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: FL

Complaint narrative:
I would like to report on error in my credit profile. I do not know the account in my profile, and I do not recognize it so could you please remove it as soon as possible because I am planning to use my credit profile soon for the life important purposes. For me its clear identity theft and I am a victim. I think somebody used my personal information or its error in reporting but I do not know this item. Please take appropriate actions and remove it once and forever and asap ... .thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 around XXXX XXXX PST I signed into Experian to opt out of marketing. From their on line page I was required to create an account and they gave me account #. I have no idea what is going to happen with that. 

I could not located anywhere on the page or their web page to opt out of marketing. I also tried calling in and their phone support tree did not have an option and would not allow me to a live person. 

I use XXXX XXXX with XXXX XXXX XXXX and they have not been able to get my report from Experian in a month.

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
Attorney XXXX XXXX XXXX XXXX has filed an Order of Summary Judgement. Civil Action # XXXX and the XXXX XXXX XXXX XXXX ( State Court of XXXX county ), signed the order without a court hearing to plead my case. I am an essential worker, yet due to the pandemic my job has been affected with decreasing hours and affected employees which has resulted in being off and on from work. I am currently under Pandemic benefits program with the DOL cares act program. I have battled with XXXX myself, and recovered at home. I am the head of household and I am struggling to pay my living expenses .The law to garnish someone wages during this hard economic time should be denied. We can barely survive which has caused a heavy strain on anyone that is trying to work to provide support and services for the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. Have I attached proof of identity below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Monday XX/XX/2021 I received and email from Capitol One that my personal checking account was restricted. I was given a phone number to contact which I did several time over the next days. the phone number only went to voicemail and told me to describe my situation and give a call back number. I left messages every time stating the following, and have not received a call back. I also called Capitol One 's main customer service line to confirm that this was the correct number and it was. 

The problem with my account was that I was recently targeted for a scam. I am currently unemployed and have been looking for small part time work where I can to help pay my bills with reduced income. I had been contacted about a secret shopper assignment that would pay a XXXX XXXX dollars. I began the process of doing this by depositing the check given to cover the cost. After asking some questions and doing my research, I realized this was a scam and the check they sent was fake. I IMMEDIATELY called Capitol One to inform them of this the same day the check was deposited mobilly and asked them to cancel the deposit because the check was no good. They said there was nothing they could do and the check would automatically be rejected. The check cleared, but I did not spend any of the money and waited for it to resolve itself. a few days later the deposit amount was taken back, nothing overdrawn or spent, and thought that was that. Well a few days later on the XXXX Capitol One sent the email and subsequently ended my ability to use my funds ( that were still there and had nothing to do with the bad check ). 

Now I am stuck with thousands in this account that I need to cover my monthly bills and there is no way I can access them. I have been given no call back, no explanation, and most importantly no time frame. Yet my legit regular direct deposit amounts still go through and are being collected and I can not access them. 

I need access to my account which I used legitimately for 10 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My account was transferred to this new agency and at the time I received my new balance the balance was thousands of dollars more than what it c was worth the previous agency. Covid indicated there were to be no interest in the loans but this DID NOT take place IT WAS ADDED. I asked the agency why it was so high and they blamed it on the previous agency I need a breakdown of the last year balances and any fees and /or interest to state where all these fees came from. I need them to be removed as per the law states due to the pandemic there were to be XXXX INTEREST!!!!. Great lakes is the agency it's with now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/XXXX - Car loan w/Chase Bank Beginning balance {$29000.00} / {$530.00} mo. / 60 mos / 3.49 % int rate. 
First pmt due XX/XX/XXXX. Established automatic pmt of {$600.00} through XXXX  starting XX/XX/XXXX. 
Interest discrepancy noticed from XX/XX/XXXX payment. Called Chase Bank in XXXX ( do not know exact date ) and was informed that the XX/XX/XXXX payment was paid on XX/XX/XXXX and the next payment wasnt received until XX/XX/XXXX, so, this caused an increase in accrued interest. I was not satisfied with the answer so consulted with the person who processed our contract at the dealership. He explained that wasnt uncommon, but I could avoid extra interest by setting up a bi-monthly payment plan. I started automatic bi-monthly payments of {$350.00} thru XXXX starting XX/XX/XXXX XXXX payments on the XXXX and XXXX of each month ). Next discrepancy noticed on XX/XX/XXXX when a total of {$110.00} interest was taken between XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX payment paid early because of holiday ). My husband and I both talked to customer service on XX/XX/XXXX and were told extra interest was not taken from the account. Explanation not to our satisfaction. All payments submitted on time with additional principal. Why is interest increasing on a declining balance? Total pmts from XX/XX/XXXX - XX/XX/XXXX is {$3800.00} / interest {$490.00} with a balance of {$25000.00}. The estimated difference is approximately {$50.00}, give or take, but to see a discrepancy so early in the payment process is alarming. Is additional principal applied to interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Card was opened without my knowing reported fraud but Navy Federal will not remove the file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: FL

Complaint narrative:
Dear Sirs CFPB, I appreciate your support on the recent Credit Score Report # XXXX issued by Experian on XX/XX/2021 requested by XXXX  XXXX XXXX on XX/XX/2021 as result of an application for credit made by myself to this Bank. 

The request was NOT APPROVED since as per Experian Report # XXXX states " SERIOUS DELINQUENCY '' related to a CREDIT CARD account # XXXX, which showed a due payment of 30, 60 and 90 days. I contacted XXXX  XXXX XXXX XXXX XXXX  and they were not able to confirm this information because this was not available in its system. 

I set a dispute to Experian for the Credit Report based on that XXXX  XXXX XXXX was unable to confirm this information to me and Experian send a Dispute Result Report # XXXX Investigation ID # XXXX dated in XX/XX/2021 stating as " REMAINS '' the potential negative item withthe following comment : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' My concern is that XXXX  XXXX XXXX was able to confirm the information to XXXX but it was not to me. 

I highly appreciate your support since this situation it is hurting my access to better credit Conditions

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 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have been getting numerous call from people who claim to be from different agencies, looking fo collect information and money from me. i have gotten calls from " car dealers '', " social security administration '', " XXXX city sheriff '', XXXX XXXX  XXXX XXXX ''. All wanting to get my personal information and requesting payment in order to not proceed with legal action. I have always asked to give me a call back number and their information, and sometimes they provide made up information, other times they just hang up. Most recently i received a notification on my XXXX XXXX with XXXX, for " information breech '' every time i want to log in to the apps on my phone. 
i recently received a notification for a transaction i did not approve, for XXXX at a XXXX for {$220.00}, and a few declined transactions for {$100.00} at a XXXX XXXX as well from XXXX that i did not authorize. 
cfpb complaint # 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 2021-02-03 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: Mortgage Research Center, LLC
State: FL

Complaint narrative:
OnXX/XX/XXXX,2020, I signed for my home with Veterans United Home Loans . I paid the first payment that was due on XXXX XXXX, 2020, and at that time I set up a recurring automatic payment for all future payments. When I realized my XXXX and XXXX payments were not taken out of my account, I immediately called to make those payments over the phone. At that point, I resubmitted the automatic payment details and reconfirmed that it was set up -- again. 

I am making this compliant to the CFPB after filing a compliant with Veterans United Home Loans to dispute the late payment added to my credit report. Contrary to their claim, I was not notified about any missed/late payment. Veterans United Home Loans refuses to substantiate their claim of attempted notification with any proof. They are unwilling to admit the error even though they erroneously sent me repeated emails congratulating me on closing my home loan while my application was still being processed! 

I am requesting the CFPB to investigate the matter and have the inaccurate reporting notification be removed from my credit report.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. On XX/XX/2021 someone took {$820.00} out of my checking account by changing the server. As a result my account was overdrawn by {$800.00}. I am requesting that the {$820.00} be restored to my checking account. 

2. I informed Bank of America that I had security breach I request that my checking account number be changed the Bank of America, XXXX XXXX XXXX, XXXX, CA XXXX refused to change my account number. 

3. My Bank of America XXXX  saving account was changed to a checking without any prior knowledge

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 2021-02-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
My Credit card from USAA # XXXX WAS STOLEN IN XXXX of 2020 and used with out my permission for the sum of {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
I recently paid XXXX for a application to First Progress Bank on XXXX2021. This was charged on my XXXX XXXX and posted XXXX2021. I was approved for a secure line of credit. On XX/XX/XXXX I deposited {$500.00} as secure deposit and they charged me {$29.00} dollars again for the yearly membership which was chargeed to the new master card. I belive they are charging me twice. Could you open a case for this with I talked to the XXXX XXXX  but the could only give me my statement where I paid on XX/XX/2021 {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received a debit card from CHIME bank on XX/XX/2021. I have never opened, or requested an account with this financial institution. Attempting to contact a representative is impossible over the phone. calling the 800 number listed on the card prompts you to submit an email request. I submitted a request via email and they expected me to take a picture of the debit card, front and back along with the account information ( account number and routing number ) along with My ID. This is suspicious and not standard practice for a financial institution. I work at a bank, and i would never ask for this amount of information over the phone. I want to close this account immediately but not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX XXXX refuses to unblock my account stating there is a balance owed. I do not have an outstanding balance with XXXX. I contacted their 3rd party collection company several times and was able to confirm the statement above each time. The collection company stated that an email was sent to XXXX each time I contacted them about the balance. I contacted XXXX after each call to their 3rd party collectors and never obtained any results. Each time I spoke with a representative I was informed that an email would be sent on my behalf. The department that handles the accounts is unreachable by phone and does not have a point person to resolve matters. They informed me that there is no physical way to contact a member in that department directly, all concerns must go through a mass email account. As of today my account remains blocked and I have yet to hear from XXXX with a response as to why. 

XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
my wife became very ill and was diagnosed with XXXX  XXXX and I have had to be her XXXX Due to the increased medical expenses with the treatments and medication, I have had to use the majority of income that I get and unfortunately her condition has not gotten any better. I have asked my mortgage company for the assistance that I all they tell me is to fill out there application which I have done many times and each time they tell me I am denied. All I want is to save my home and take care of my wife please I ask for assistance in this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation