vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them mentally and physically abusing them.

I am one of the many victims.

I have a loan for {$6000.00} with navy federal A credit card that is  max out $ XXXX navy federal And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XXXX  I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely 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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I disputed some fraudulent charges on my debit card and was issued a provisional credit. I went into the Branch and filled out the requested paperwork and the Manager scanned it in to the system. I called for status updates and received the runaround. When I spoke to a representative named XXXX he was attempting to strong arm me about the credit and change the way the incident was reported. I advised him that I have debits set up to come out over the next few days and begged not to close my account. Unbeknownst to me he closed the account anyway causing my bill pays to be returned. It is the first of the month and my bill payments are being returned and causing extra fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I tried disputing the hard inquiry from XXXX from XX/XX/2020 since they have two credit checks/inquiries and got no where. Can someone remove one of these? As you can tell, its a duplicate. Also, there are 7 inquiries on the same date XX/XX/2020. I bought a car from XXXX and I got approved for my car that I currently drive. I authorized XXXX to run my credit but I am not sure why there are 6 more inquiries that day. Can someone please either take those off or explain, why there are 6 more inquiries that should not be there. XXXX XXXX, was the bank that approved me for my auto loan. Please email me at XXXX or call me XXXX. Also, I was not able to update my address. I am no longer In 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 non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Card was locked on XX/XX/XXXX. I sent in identity i formation and it was received on the XXXX. I was rold 5 business days to unlock my account. Called back and was told 10 business days. Called back on the tenth and they told be 15 days. Card still not unlocked. Im receiving payments and can't pay my bills.

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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2020 I sent a certified letter to transunion stating that these inquiries that are on my credit report are fraudulent inwhich i did not authorize them. 
XX/XX/2020 Transunion completed in investigation and stated that these inquiries were accurate even though there is a fraudulent activity alert on my profile

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 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MO

Complaint narrative:
XXXX been to XXXX emergency physicians on XX/XX/2020. I was in the state of wyoming at the time identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am purchasing my mother in law 's home I have moved I am not able to purchase a home due to XXXX XXXX Putting a badd credit on me what happened was I moved and did not receive my mail for a month XXXX XXXX sent me a bill for {$130.00} I did not pay on time because I never received an invoice They put a bag credit rating on me for 30 days delinquent they have not told me if that has been resolved Please 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 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased this vehicle XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX Toy ... on XXXX XXXX in XXXX, Florida. I traded a XXXX XXXX fully loaded with XXXX as a trade in. XXXX XXXX notified me that my car should have been paid off in full XXXX of XXXX they added a year on to the vehicle and keep adding all these additional finance charges to the pay off amount. it's enough to deal with a pandemic in this nation. I don't need added frustration. I was in hospital for XXXX the early part of the the year and requested a hardship finance which they advised me this created an additional year of payments ... That's ridiculous. other finance companies informed me no hardship should have created this outstanding balance. I want them to correct the problems that are occurring during this a purchase ... They-Capital One finance say I am 59 days pass due only to discover That in XXXX of XXXX they took half of my payment and added to late charges in the amount of XXXX. The payment via voice recording confirmed to take XXXX PAYMENTS they took XXXX payment and added the balance to late charges without my permission and keep telling me they have to listen to the tape of our conversation. I also requested to speak to their CEO no one has contacted me yet and I call them every month. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: WA

Complaint narrative:
Global lending services keep calling me and my husband saying that we are references on a loan that my ex husband 's ex wife has. They won't stop bothering us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
I have been making principal payments on my account ahead of schedule since the loan was opened on XX/XX/2017. Yamaha Motor Finance Corporation has not accurately applied my payments to the Principle to reduce the interest as requested. Additionally, when I call in to have the payments applied I get push back and I get multiple stories on how to get the payments applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a balance of money in a savings accountcap1 online savings is refusing2return. They saw i was trying 2 draft out my money w a test deposit2 XXXX XXXX which was succesful, then they shut my access off to draft out the remaining balance. This was exactly as coV was begging. And they cap1 and most banks were doing the same2 unilayreally stop bank runs. The month and year was XX/XX/2020 they placed this block on my acct 2 longer have ac cess 2my savings funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting that I am ( 90-120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-10-02 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and penn credit " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? first off ive read on line that having a letter in the account number is a violation of metro 2 5 points of compliance yet both the account numbers contains the letter C in them, the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .there are multiple violations..there is no way that penn credit, the original creditor or any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX at XXXX, I received a text from PayPal : " For your protection, we've limited certain features in your PayPal account due to suspicious activity. Log in to resolve the issue. '' I also received an email. 

I went to my online account and saw nothing suspicious so I contacted them through their messaging system. I was advised I needed to provide information such as a picture of my license, utility bill or banking statement. 

I have called several times since XX/XX/XXXX to speak to someone, there is no answer. The messaging system is automated. I haven't worked since XXXX, I was sent {$40.00} on XX/XX/XXXX not realizing I wouldn't be able to get my funds. I found a number on XXXX, I called and it was PayPal Credit, I spoke to XXXX who told me PayPal isn't answering their phones and he has no number for them. Once I told him my situation he gave me a number XXXX. There, I spoke to XXXX who was very kind, she said PayPal picks accounts to verify identity of the customer. She would escalate my issue to the " limitations department '' let them know, I haven't received the phone call I was promised via the message center. 

I have told the message center, I was no longer sending information after sending a copy of my license. 

I received a call XXXX at XXXX from XXXX at PayPal XXXX He said he needed a copy of a utility bill and a copy of my bank statement. He stayed on the line with me as I submitted my XXXX bill and I was going to send a copy of my statement without the account number. He said they needed the first page of my statement with account number and all of the transactions on the statement. I refused to submit that information. He said if they don't receive that, my account will be held for 180 days before the funds are available. 

I told him, I didn't have to show that much detail when I bought my house, so there was no way I would submit that information to PayPal over the internet, let alone my bank would advise me NOT to do that. It doesn't make sense. 

I checked their XXXX feed and there are hundreds of customers who have the same issue and complaint. Two personal friends received the same email I received. I checked consumer affairs, same issues and complaints as well as XXXX  page. 

I need help with this situation. It's not just about {$40.00} it's the principle that there is no suspicious activity on my account. The day before a bill was debited from my account. I have other bills I use PayPal for. I'm not even able to refund the money to my friend. 

Thank you for the assistance to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
This has happened multiple times. I'll use today ( XX/XX/2020 ) as the basis for this complaint. This bank routinely pushes checks I have written through my account without ever showing them pend. My paycheck however begins to pend on Wednesdays, however it is not released to me until Friday morning. I monitor my account closely, my wife is always able to go deposit money if something comes through, but I'm never given the opportunity because they run checks through overnight without ever showing them pend during the day. Yesterday and last night ( XX/XX/2020 ) I was closely watching because I knew there was a check in the amount of {$200.00} out, but it never showed up in my online banking until this morning ( XX/XX/2020 ). However, this check has now been dated for XX/XX/2020 and rejected before my paycheck stopped pending and was labeled a deposit. I have filed a complaint with a XXXX at their corporate office who told me this practice is illegal and has previously reimbursed me for the times it has happened. She instructed me to call back if it happens again, this morning when I called and requested to speak to a manger my request was denied.

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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion should not be reporting that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Im trying to refinance with Quicken loans. 
I locked in an excellent rate. Rates have gone up since and they are stalling, asking for the exact same things 3-4 times, very slow responses to my ask for clarification, turning off the website area to upload docs required. 
Bait and switch

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Con man name XXXX XXXX XXXX DOBXXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them mentally and physically abusing them. 
I am one of the many victims. 

I have a loan for {$6000.00} with XXXX XXXX A credit card that is max out $ XXXX XXXX XXXX  And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XXXX  I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them XXXX and XXXX XXXX them. 
I am one of the many victims. 

I have a loan for {$6000.00} with XXXX XXXX  A credit card that is max out $ XXXX XXXX XXXX  And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XX/XX/XXXX I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
The mortgage company XXXX was the originator of my home mortgage. Early this year my loan, alone with a large group was sold to another lender, NewRez llc. No information was provided from the new lender, to include a new account number, payment book, or how to reach the lender. We continued to make the XXXX payment to XXXX, via the payment book we have used previously. A few days later we, on our own initiative, found and contacted NewRez to determine our account number and how payments are processed. The representative indicated all payments, during the interim of the transfer of the mortgages, would be sent from XXXX to NewRez. Subsequently, we have received calls on a daily basis. We made payments as outlined in our mortgage agreement and the transfer of the mortgage was a unilateral decision. Moreover, each call is more aggressive in nature and they, NewRez, refuse to work with XXXX to transfer the most recent payment from XXXX to NewRez.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation