vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My bank is charging overdraft fees erronously and instead of fixing the problem they are sending me back to the branch. 

I initially had an overdrawn account but went into the branch and made a deposit to bring my account positive. I have included the reciept that shows I had a positive account, later that night i get a email saying i have overdraft fees. When I call to address the fees XXXX the supervisor directs me to go back to the branch to rectify the problem. 

Overdrawn -XXXX made deposit of {$460.00} in branch made 2 additional deposits of {$20.00} each Bringing balance to {$27.00} then around XXXX i recieve notice of overdraft and nobody can explain how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal abuses its power and put hold on my funds without any reasonable reason. I have been with Paypal since XX/XX/XXXX ; I have a perfect record without even a single dispute or declined transaction. In XX/XX/XXXX, I started selling my business equipment on XXXX, I just bought these equipment in XX/XX/XXXX and XX/XX/XXXX, but I sold them on XXXX with about {$40000.00} loss of the price I paid for them just two months ago. These equipment were a source of income for me and I sold them with a huge loss for only one reason, to save the life of my 3 years old niece who needs a XXXX and XXXX XXXX  and living now on a XXXX XXXX. My niece is not a US citizen and not eligible for medical insurance or public assistance, so all her medical expenses are out of pocket and through fund raisings. I sold them with a huge loss because I wanted to sell them fast so I can help my niece get the needed XXXX. After I finished selling all my stuff on XXXX, I withdraw half of the money from Paypal and then I got an email from Paypal stating that my account got restricted and I need to provide proof of identity, bank statement, and invoices or receipts to proof the ownership of these equipment. I provided all documents they needed and after 24 hours they remove the restriction but they said they will hold all my money {$10000.00} for 90 days and they put 20 % rolling reserve on my account. I didn't sell my equipment with more than {$40000.00} loss to give the money for Paypal to hold it for 90 days ; I sold them to help my brother and his daughter. My niece is in a critical condition and we are short of money trying in all possible ways to collect the cost required for her XXXX. I tried in all possible ways to get them to release my money, I even emailed them hospital documents of my niece condition, hospital phone number and my niece name to call and verify, but unfortunately, I found out I were dealing with monsters who don't have any human values or mercy, they don't care about you no matter what you have or what you say. I have a % 100 positive  feedback on XXXX, not even a single return, not a single complaint, nor a single chargeback. Therefore, I am respectfully requesting that the hold on my funds be lifted due to the urgent circumstances I mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: SC

Complaint narrative:
I closed XXXX account XX/XX/XXXX in XX/XX/XXXX i learn my credit score has been impacted by an unpaid bill over {$300.00}. i was never late a payment in 6 years with XXXX but now this bonus.I never received mail. I am not convinced I owe this because I have not had a phone active with XXXX since XX/XX/XXXX XX/XX/XXXX. the collection agency called a couple dozen times a day. i switched carriers because XXXX coverage was bad and they would not fix the gaps. i was missing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
It's time to stop Equifax from being a credit reporting agency! they are constantly lying, and not responding ending dispute investigations on their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: NJ

Complaint narrative:
on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX  and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CarMax, Inc.
State: LA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX all are card I had not used someone is using my cards I'm XXXX years old Please remove this late payments from my card I asked the card companies several times. Im in a XXXX home. I have my nurse  help me with this. Im too old and sick please help remove this information they are taking advantage of me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
FHA XXXX I need to understand if there was an FHA HUD claim filed. I'm showing a claim date in this document of XX/XX/XXXX a sale date of XX/XX/XXXX and a transfer servicing date of XX/XX/XXXX the sales price reflects {$49000.00} while the claim amount shows {$150000.00}. so was the mortgage insurance insurance premium paid to the investor which was HUD? If so and they sold this note to the current investor for {$49000.00} how is the new servicer roundpoint mortgage now seeking over {$260000.00} for this note? A XXXX XXXX has been filed. If a mortgage claim was filed in HUD US Department of Housing and Urban Development and FHA received the mortgage claim funds and the servicer bid on the Note how do I owe them this money? I want an investigation open so that I can clearly understand if I've been violated as a homeowner and a note holder of an FHA loan. This loan has been in default or in trouble since XX/XX/XXXX which was just a year after the note was purchased I've gone back and forth with US Department of Housing and Urban Development FHA the Consumer Protection Finance Bureau in any other government regulatory department to get help. I'm exhausted at this process I have over a hundred emails to State local and government agencies trying to get this issue resolved and now I would like to file suit with the US Department of Justice. I'm wondering how many homeowners in an urban demographic has been treated this way and if there is a double standard with HUD US Department of Housing and Urban Development and FHA. Are they selling the note making a profit as well as receiving claim money for the mortgage insurance? How many FHA loans are orginated to prodominely XXXX, XXXX Borrowers that end up in default and purchased by Private Investors. MERS information is inconsistent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
card was not used in years im XXXX please remove and update my nurse is helping me im in a XXXX home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
PayPal fraudulently opened a line of credit in my name without my authorization. While I have purchased item via PayPal I always select to do so through my debit card. I was contacted by PayPal that I owed an outstanding debt at which I learned this line of credit was opened. I have since paid the amount and closed the account. However now my credit will be affected due to closing the fraudulent line of credit opened by this company. I was told the line of credit was opened due to simply purchasing a product from XXXX. This is illegal! I never authorized this line of credit, furthermore never once even given my SSN, digital signature or anything to do so. I also will be contacting my states federal prosecutor and local attorney to further the legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bayside Capital Services, LLC
State: WI

Complaint narrative:
On XX/XX/17 a debt collector named XXXX contacted my mother in law, who is the mortgage owner of the house I live in. He asked her about my rent payments and then told her not to expect payments from me in the future because he had legal documents for me. When I called back, I was told it was a debt from Arkansas, when I asked for written information I was hung up on. I called back and someone else said they would email info and I never received it. I told them they are violating debt collection practices and I felt like they were trying to scam me out of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
card was not used in years im XXXX please remove and update my nurse is helping me im in a XXXX home

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 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: AE

Complaint narrative:
Im a XXXX XXXX  XXXX in XXXX and I sent my wife money to her in XXXX. I understood I wouldn't get a great exchange rate by sending it through Western Union but we were ripped off of $ XXXX when I sent her the money. 

The agreement was I sent {$1200.00} plus a {$9.00} fee and she would receive XXXX XXXX  pesos per their website when sending the money. When she went to pick up the money they would only give her XXXX pesos. I tried fixing this with Western Union but they have not bothered responding or refunding my money. 

The MCTN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited {$29.00} in CASH to cover my ACH debit for LIFE INSURANCE POLICIES in the amount of {$28.00}. On XX/XX/XXXX my " personal checking account '' showed a balance of - {$0.00}. On XX/XX/XXXX, there was an added {$34.00} for NSF fee 's assessed to my " personal checking account ''. I am DISPUTING, CHASE BANKS ongoing unlawful practices of discrimination and " UNFAIR DEBT COLLECTION PRACTICES! '' that have absolutely NOTHING to do with me, my " personal finances '', my " personal CASH deposits '' or my " personal checking account ''. ALL SUPPORTIVE DOCUMENTATION WILL BE FAXED TO THE CFPB ( ALL PERSONAL INFORMATION SUBMITTED FOR THIS COMPLAINT IS FOR THE CFPB ), NOT FOR THE BANK 'S USE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX/Bestbuy offered a 0 % promotional offer for 36 months. I bought products for XXXX {$21000.00} on XX/XX/2014 from XXXX. I set up autopay that would payoff on-time. There is a {$150.00} left because the promotional offer is expired and part of the auto-payment went to a different promotional balance of {$700.00} instead of the main balance. They never provided be access to the other {$700.00} account. Even my online access was revoked as bank/card got rebranded. So, I disputed the charges and interest on my account, I canceled my autopay and closed my account. I requested for statements and they mailed me for few months of statements which didnt explain to me how/when the new account got added and how payments are split between these two accounts. I made numerous calls to understand why there is this huge interest charge. I reached Citibank atleast 50 times but bank not even once tried to reach me before charging {$15000.00} interest. Till today I havent received full statements and terms of the offer. Citibank updated all 3 credit bureaus with the 90-day delinquency which dropped my score by 130+ points. I am disputing the interest and charges on the account. That's the reason why I stopped minimum payments. But still, Citibank sent the update as delinquent to the bureaus. I have exceptional credit history without even one late payment or negative remark. I have 2 other Citibank credit cards which have revolving credit. Citibank ruined my credit history.

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 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My complaint also includes unfair assessed NSF fee 's, my cash deposit 's and unfair " DEBT COLLECTION PRACTICES ''. On XX/XX/XXXX, I was assessed " unfair and unwarranted '' NSF fee 's. I deposited ( in CASH ) {$65.00} for my Chase Check # XXXX on or about XX/XX/XXXX. I have attempted to communicate " effectively '' with Chase Banks ' rude and unprofessional representatives. However, my many repeated request 's for a reasonable meeting of the minds have fallen on deaf ears. I spoke with XXXX in the Chase Corporate Office. I requested to speak with a Corporate manager ( via XXXX ). I was told ( by XXXX ) that a Corporate manager would return my telephone call ( ASAP )! However, as of this filing, I have NOT heard from a Corporate Manager ( from Chase Bank ). Any and all supportive documentation will be faxed to CFPB for the use of this complaint " only ''. All personal information used in this complaint, is NOT to be used by the CFPB " only ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2018 I noticed {$2200.00} withdrawn from my account. I called my bank and they stated they were not sure what it was but would contact me after they completed an investigation. I called back again the next day and was given another telephone number to call and speak to someone. Upon doing so, I spoke with a representative who said it was a debt set-off from my husbands credit card. We had made multiple attempts to settle with this credit card and were not given a settlement agreement. When we spoke to the law office this debt was sent to, they offered a settlement but never sent payment info. I contacted them to no avail. When speaking with this contact person on the second number I was given, they stated any time they see money available in my checking account they will take this money for the debt owed on the credit card and they are not obligated to inform me prior to doing so. I was never informed of this, never informed of any judgment against my husband, myself or our accounts. I am now unable to pay my mortgage, my car payment, buy groceries and even pay for my toddlers daycare so that I can go to work. I have {$70.00} to my name at this time due to the amount they took from me and are refusing to refund it. I even asked to go on a payment plan and they stated theyll discuss a payment plan for the remaining balance one the {$2200.00} cleared my checking account.

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 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My girl friend and I purchased a used XXXX XXXX and financed it with Ally finance. They have report us more than 30 days past due 3 separate times incorrectly. I found this on my credit report while trying to obtain a home loan. My loan officer and myself along with an employee from XXXX XXXX  called Ally to question the late payments. My due date on the loan is the XX/XX/XXXX of every month. In XX/XX/XXXX they reported me 30 days late when the check was presented to my bank on the XX/XX/XXXX and was cashed. In XX/XX/XXXX, they again reported me 30 days late. This check was written on the XX/XX/XXXX and presented to my bank on the XX/XX/XXXX and posted on the XX/XX/XXXX. The 3rd offense was XX/XX/XXXX I had missed the payment for XX/XX/XXXX and made a double payment in XX/XX/XXXX after I had received a nasty gram from ally reminding me that they did not receive XX/XX/XXXX 's payment. I am asking that these two 30 days late marks on my credit report be removed as I believe it is illegal to report incorrect information. This is adversely affecting my credit report and lowering my FICO score. I am also asking that as a courtesy, ally also remove the 30 day late payment in XX/XX/XXXX, as they appear to have issues with there book keeping. They claim I bounced a check to them, however, I find no bounced checked fee listed in my account during that time frame.

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