vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: SC

Complaint narrative:
I obtained a boat loan in XXXX of 2017 through Bank of the West ( BOW ). Never missed a payment. In XXXX, when the pandemic started, they started a loan assistance program where i could defer my payment for three months and extend the loan terms for three months, with the understanding my principal balance would still accrue daily interest during deferral period. Three payments were deferred, XX/XX/17, XX/XX/17 and XX/XX/17. I resumed my payments on XX/XX/17. My XX/XX/17, XX/XX/17, and XX/XX/17 were all applied as one hundred percent interest and zero to principal. I have disputed this with Bank of the West as this was not what was verbally explained to me on a recorded phone call. I initially reached out to BOW on XXXX with regards to this matter and all they could say was this was correct. I wanted a recording of the call and they said they would research and make it available which they have yet to do. I asked for an updated amortization schedule proving the interst had accumulated and they have not provided. I have had 11 email correspondence and four phone calls with a total wait time on the calls of over 2.5 hours. Here is my last correspondence where i had to manually calculate the interest and show them they are wrong. I need help as they are very slow to respond and are not willing to provide the necessary help in order to correct this matter. 

Based on what I have researched. If you are telling me my loan accrued daily interest for the three months with the principal balance being {$22000.00} at the time I accepted the deferral program, with my interest rate being 5.74 %, my daily interest should be calculated at approximately {$3.00} per day. If I deferred payment for 90 days, my interest accrual should be approximately {$320.00}. I resumed my payment of {$210.00} on XX/XX/17 and 100 % went to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. 

By my calculation, that is {$640.00} that was applied straight to interest from XXXX. This is NOT correct. I only accrued {$320.00} in interest. I need someone to spell it out. I am also tacking on three deferred payments on the back end of the loan ( as YOUR attached email describes ) so the amortization should have evened this out over the life of the loan, not on the front end after the deferred payments. I do not understand this and I should not be the one having to figure it out.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, XXXXXX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX XXXX, WELLS FARGO BANK NA add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per 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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I like to file a dispute for the following accounts. XX/XX/XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXXXXXX {$12000.00}, XXXX XXXX XXXX {$2200.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have asked them to provide me information on when these accounts were open, how they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts were opened up fraudulently in my name. I have filed an Identity Theft FTC Report. The report number is XXXX for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
For 3 years td bank have me with late payments that wasnt my fourth I like to deputy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Made payment on time and still got late charge on my account. My credit dropped 22 points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a savings account with Citibank. In one fell swoop, one day later, they removed {$250000.00} from my checking account. I did this because they a decent interest rate. I went to get my money back a month later for a real estate transaction, and they say I can only withdraw {$15000.00} a month. It will take 18 months to get my money back. On top of that, their website won't even let me withdraw that amount. It just says it is too much. I've spent countless hours in chat boxes and on the phone trying to get my money. They offer to send it back in chunks if I will pay fees for doing so. But even at that, I can not do it in one transactions, only in a series of separate transactions. 
When I did get one transaction for {$7500.00} to go through, they took the money out of my account and held it for five or six days before sending it to my bank. For a money transfer. They had no trouble when the money was inbound, getting the transaction done in a few seconds. They are not paying interest on the {$7500.00} while they hold it " en route ''. 
Finally, they should have disclosed I could not retrieve my money for a year and a half if I opened this account. A CD would have made a lot more sense and been far more flexible than their so-called savings 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 2020-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XXXX XXXX someone took out personal expense loans. One for {$9900.00} and one for {$32000.00}. I was unaware of the loans when Navy Federal Credit Union sent me bills for each account. My accounts were hacked into around the same time as the loans. I have resolved getting most of the money back but Navy Federal Credit Union said that I am responsible for the two loans. I never applied for, signed any documents or qualified for the loans. Two people involved in the hacking were actually NFCU accounts holders that did a Member to Member transfers from my accounts into theirs. I did file fraud paperwork on XX/XX/XXXX with the Fraud Unit and filled out paperwork and sent it to XXXX unit. My biggest complaint is why am I having to pay back loans that I didnt apply for. The loan payment on each loan far exceeds my monthly income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have sent a settlement letter to Mountain Lion Acquisitions INC and I have not yet got a response. Here what happen when I call about the letter. 1 ) I want to WHY representative said " I don't recall a letter '' and refuse to check the file? 2 ) They never told me the Mini Miranda Rights at the start of the call. 3 ) They falsely claim that they have a lien on a property which I don't own any property. So how can that be true if I don't own any property? So I guess it company policy to lie to customer to get them to paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of XXXX XXXX XXXX and explained my problem. They referred me to the credit bureau, who referred me back to XXXX financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help 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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hello, My husband received his EIDL on XX/XX/XXXX to an account he specifically delegated to the loan. He then transferred money to our joint account so we could pay bills related to his real estate business. Chase bank immediately froze all our accounts. ALL. Chase is demanding that we either supply a EIN, which doesnt exist. The loan was qualified using his SSN. Or a 1040 with a itemized profit and loss which he doesnt have either. Just a 1040. Chase said they will close the account and keep the money until their requirements are met or if we give back the money to XXXX which is fine. But, XXXX says Chase needs to send the money back and Chase says XXXX needs to take the money. 
Ultimately we would like to keep the money as it will help us stay afloat but if we have to send it back thats ok too. But our hands are tied and Chase is stealing peoples money. We are not the only ones. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Settled an account with discover credit company, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report perXX/XX/XXXX 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, COMENITYCB/XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. National Recovery Services hired a third-party collection of XXXX XXXX University to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello. I am in the process of purchasing my first house and I am a victim of Identity theft. I have fraudulent accounts on my credit report that I request be removed. I have filed a complaint with the FTC and have the identity theft report which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRS Financial LLC
State: NY

Complaint narrative:
OnXX/XX/2020 at XXXX XXXX  I received a robocall from Capital Collections. The robocall asked for me, said if it was not me I should hang up, then went on to say they were attempting to collect a debt. 

I received the call a So, bad practices and a TCPA violation from XXXX. 
violation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are still reporting inaccurate items after their investigate.

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 2020-11-18 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: CA

Complaint narrative:
Settled an account with XX/XX/XXXXcompany, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.

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 2020-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE. You have not addressed the illegal violation. You had 30 days to investigate. You did not, therefore you must delete the improper designations. 

THAT'S NOT A DUPLICATE, THAT'S YOU STALLING AND LYING IN ORDER TO TRY NOT TO FOLLOW THE LAW!

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have email alerts with PNC to let me know if my account balance is below {$100.00} or if my account has become overdrawn. I logged into my account on XX/XX/20 after XXXX and saw that it was overdrawn - {$430.00}. I immediately transferred {$450.00} via XXXX to satisfy the overdrawn balance. I finally received an email notification from PNC advising of the overdrawn balance at XXXX, which is a full hour after I completed the transfer so I signed back into my account. The transfer had posted and I was still showing an available balance of {$18.00}. I continued to check my account multiple times during the day and that evening as well to make sure nothing else changed. There were no changes to my available balance in the Online Banking app and there were no additional email notifications received from PNC Bank. The next day, XX/XX/20, I signed into my account to complete another transfer when I was shocked to see that I was overdrawn - {$150.00}, {$100.00} of that being bank fees. I checked my email to see if PNC had made me aware of the overdraft on XX/XX/20, as I have until XXXX to make a deposit to avoid bank fees. The only email correspondence received was dated for XX/XX/20, and was sent at XXXX XXXX  advising that my account was overdrawn. A second email was received the same day at XXXX providing me with the exact amount of the overdraft but of course by that time I already knew but didn't understand why. So I waited until they're customer service department opened at XXXX and called. The IVR said that I did not have to wait and would receive a call back within 20 minutes. More than 2 hours passed with no call received so I called again and spoke with XXXX. I advised her of what happened and asked her if I did something wrong and that's why the fees were assessed. She said I had not and could not explain why PNC had not alerted me to the additional transactions prior to assessing the fees. I spoke with two representatives today who identified themselves as managers who both refuse to reimburse for the fees. They just blamed it on the merchant and the last manager told me I would be sent to collections if I didn't pay it within 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added XXXXIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XX/XX/XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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