vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to get ahold of Bank of America for 6 weeks to ask where is my EDD debit card. The funds are going on and have no access to the funds because Bank of America refuses to answer my questions. I have been out of work for 6 weeks at no fault of my own and I can not get my funds I need to survive.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cawley & Bergmann, LLP
State: TX

Complaint narrative:
I received a call from XXXX ( though it said XXXX on my caller ID ), and it went to voice mail. I have the message sent to me in text ( a paid service from XXXX ) wherein the company says the following : " Good afternoon this is XXXX XXXX debt collector with Cawley & Bergman 'following-up on previous calls and letters ' [ no such calls or letters exist ] about an 'important PERSONAL business matter ' [ what does that even MEAN??? ] that has been palced in my office. This is not a sales call. Please return my call as soon as possible at XXXX. I will be in the office today until XXXX XXXX  Central. Your prompt attention to this SENSITIVE matter is appreciated. '' I called the number back, livid that a company would leave such a message and having my own attorney on standby ( a friend who specializes in debt collectors practicing bad business ) whereupon I explained that I would like to know what they meant by a " personal business matter '' and said that I had an attorney so to please give me a straight answer. She talked over me entirely and only kept asking about my attorney 's information. I explained I needed to know what the call was about and she said she needed to " verify my identity '' before explaining. I asked her to " go for it please, because I would like to know what you are calling me about. What do you need to know? '' It was then her " supervisor '' got on the phone and everything went south. I wish I had recorded the call but I can not recall a time being treated with such disrespect - talking over me, not letting me say a thing, yelling .... 

PLEASE give some attention to this matter. I know my rights, and I am very comfortable with the laws around this sort of thing. I could not just let this go by without filing a complaint. A personal business matter that's apparently sensitive?? Please. 

Again, please kindly pursue this as I really hope nobody else has to endure such bad business and skirting the law. My friend/attorney would surely find that they are breaking several laws, I just know they need to be stopped. 

All my best, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: GA

Complaint narrative:
I have {$100000.00} in student loans. A HUGE portion of that balance is due to interest. Once I graduated college back in 2002, I could not find a job right away so I was instructed to just use my forbearance for the loan. So then I decided to get my XXXX  to further my education in hope 's of getting a better job but XXXX University is not as credible as they said they were which is another crime. When I finished my XXXX, I still was not able to find a job where I could afford life and school loan payments. So I was instructed to just use my forbearance and when that ran out, my deferment since I could not afford the payments. 

This has been going on for the last 10 years. I have literally called every year to see if there was a program or way I could afford monthly payments and loan representatives continued to say no and that if I could not afford the payments then I needed to just defer or use a forbearance. 

Fast forward 10 years, I am married and have XXXX kids and I XXXX XXXX XXXX mom. Now that I'm married, I'm worst off than I was when I was single because I have to include his salary. With his salary I would have to pay $ 500+ on any type of repayment plan which is extremely unrealistic for a family of XXXX. Not to mention all of our other bills. 

I took out the loans and I am responsible for the initial loans but for the service provider to instruct me to use forbearance and deferment for all these years instead of helping me find a program like the income driven or income contingent could have saved me at least {$40000.00} of interest that I am responsible for paying. 
I plan on sacrificing and working in public service field but I still need to find a repayment plan that I can afford to make the 120 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Audited my card transactions on XX/XX/XXXX and noticed my automatic payment did not get applied. I then see a late payment fee and interest. I call ( waited 45 minutes ) and was told that nothing could be done about the late fee because technically my payment is late. I told the representative that it wouldn't have been late if my automatic payment was processed. She then claims my automatic payments were canceled online! By who? I didn't. Look at my payment history. Automatic payments for YEARS. Why would I change that? She then states that they sent me an email ( I didnt get it ). But as a good will gesture they would refund the interest! After being with them since XXXX thats how they treat me! They are refusing a credit on the late fee. Bad business! 

Chatted online on XX/XX/XXXX and XX/XX/XXXX with the same results. Asked to call a number that just hangs 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 monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A COLLECTION THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: LA

Complaint narrative:
I've submitted proper documentation stating that I was the victim of Identity Theft. Please review and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2020, Navy Federal seized an IRS refund deposit of {$2300.00} and applied it to a charged off XXXX account that had not received payment in almost 24 months. 

Navy Federal can not enforce a pseudo-debtor prison scenario by forcing me to pay on a closed charged off account by seizing money from a pending deposit and applying it to the balance of the charged off account - which is exactly what they did. 

After I filed a CFPB complaint detailing that action ( XXXX ), Navy Federal decided to honor a 23 month-old request to close all of my banking products ; but not before issuing me a cashier 's check for the pending IRS stimulus deposit. 

Navy Federal returned the 2nd IRS deposit, but not the 1st one from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: AZ

Complaint narrative:
I became involuntarily unemployed on XX/XX/XXXX, approximately 2 werks after finalizing and receiving a personal loan. I did not anticipate being unemployed for very long so I did not file for unemployment until XX/XX/XXXX. I prepaid a couple payments with money that I had saved and from cashing out my for 401K. 

By XXXX I realized I would not be going back to work any time soon. I then applied for the unemployment protection that I had purchased on the personal loan. I was notified that they paid one payment, refunded {$180.00} but I received no phone call or letter explaining anything from One Main or the insurance company they use. 

BUT On Friday the XXXX of XXXX I called at approximately XXXX XXXX and left a voicemail about the continuing claim. At approximately XXXX XXXX  XXXX XXXX, the office manager in the XXXX office of One Main Financial, called me back but apparently hadn't listened to the voicemail. However she informed me that the insurance company cancelled my coverage and refunded the balance of my premium after making XXXX 's payment. 

But XXXX did let me know they have a new program because of the Covid-19 situation to help their customers. 

All you have to do is run ANOTHER credit application and credit check to be approved for a temporary lower payment that COULD be as low as {$85.00} a month. On a temporary basis. 

So the only way they found to help customers is to try to force them into doing another credit application so they can maintain their sales quotas during this pandemic. 

This is unethical and taking advantage of people during a crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT AND SAW THAT THIS WAS ON MY REPORT. THIS DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
On XX/XX/20 I received a letter stating that Nationwide was gon na debit my bank account {$450.00} on XX/XX/20 I immediately contacted them spoke to a rep and instructed them that this payment was not authorized and should not be debited the rep assured me it wouldn't be processed On XX/XX/20 the payment was processed and taken from my acct I phoned them and they told me to contact my bank to reverse charges I spoke with my bank and filed the dispute and signed the affidavit after waiting several weeks I received a letter from my bank telling me there investigation was closed and they found no issues and if I wanted I could open another claim so I did I need something done to make this right The company the dispute with is Nationwide CAC LLC XXXX XXXX XXXX XXXX # XXXX XXXX Il XXXX XXXX Thank you 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 monetary relief
Consumer complaint received 2020-04-16 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: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT ACCOUNTS : XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX {$77.00} XX/XX/XXXX XXXX XXXX  XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-04-16 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: CA

Complaint narrative:
I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX stating I needed to log on to my account to keep it active. When I attempted to log in to my XXXX account, I was unable to log in and tried changing my password as prompted but my account had been closed, not at my request. I submitted several emails asking for help in reactivating the account and was told in emails to first log on with new code ( which I attempted and could not do ) then to submit a webcam photo and a copy of the front and back of my ID, which I did not feel comfortable doing and stated as much. I asked 4 times for someone to contact me by phone which they have not done. 

The dates of the emails I sent to inquire how to reactivate my account are : XX/XX/XXXX XXXX emails on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount of my original investment was {$250.00} on XX/XX/XXXX with a subsequent amount of {$150.00} on XX/XX/XXXX invested for a total of {$400.00}. 

Thank you in advance for your help regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CA

Complaint narrative:
I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.

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 2020-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Ok so my mom bought me a prepaid XXXX XXXX serve card for XXXX dollars, XX/XX/20 there was a XXXX  dollar transaction, I have no idea on what but its there, Today XX/XX/XXXX I tried to buy something on the XXXX, The preferred payment method I use on PayPal is this prepaid card. 

I attempted to buy something today for XXXX dollars and it said that it didnt go through said I needed to update my payment method on PayPal, So i did, and then I clicked the link that lead me to the PayPal website and I got charge a dollar for activating it I guess, even though it was already on my PayPal account??? 

Then I retried to make my purchase and it failed again, Same thing happend, update payment method, so I did, and it didnt go through again, ( I do that one more time ) Then I thought okay Ill try to add the card with XXXX XXXX and lay with that, so I added the card to it, but it didnt show up in my wallet, so I decided to do it again, ten minutes later I get two charges for XXXX dollars for the XXXX XXXX. So In total I was scammed for XXXX dollars. 

If the card needed an activation fee the XXXX dollar purchase should have been enough to activate it. I want my money back I dont know what company is responsible for this because it could be PayPals fault for charging for a card I already had or it could XXXX XXXX serve because they transactions are there but not on my PayPal account. I looking for a way to get a refund in the XXXX website but theres nothing and since PayPal doesnt have any record of my transactions I cant ask for a refund I want my money back please try to cover most of not all the charges Please contact me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED NONE OF THESES TRANSACTIONS AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT. I AM ASKING THAT A THOROUGH INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am a victim of identity theft and I want my account reactivated. I have had this card for over 7 years. They should do a check on their employees who are accessing citizens accounts, charging their cards, and causing problems. Someone in Florida accessed my account last year and made a purchase for {$55.00} that I disputed. 

Then I received this on XX/XX/2020 ; that my account was suspended. 

card Account ending in XXXX Hi, XXXX XXXX, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX   XXXX XXXX, GA XXXX Thanks, The American Express Serve Team

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
A loan ( line of credit ) was established with BANK OF AMERICA in XXXX XXXX shortly before the housing crisis in XXXX. Many went under through no fault of there on and others managed to struggle on. I am one of the strugglers who never really recovered but, refused to quit. Some how through the years all of the vendors, creditors, and people owed we were able to pay, except BANK OF AMERICA. Minimal payments were made and multiple request for a payment plan or interest reduction or something that would remedy the situation. Even though they were bailed out they would do nothing to remedy a situation that they helped to create. Now, almost 12 years later XXXX in interest on a balance that remained the same I/WE ask for your help. ACCOUNT XXXX 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