vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department. They also stated I worked for XXXX XXXX XXXX. 

They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Bank XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Around Monday XX/XX/20 I called Wells Fargo to ask for COVID impacted relief, my payment was due on XX/XX/20. 

Customer rep promised that he adjusted my account and {$0.00} payment should reflect in a few days. I no longer need to make a payment for the next 3 months. 

A confirmation # was not given to me, because it was an extraordinary cirmustance and is handled internally. 

I called back to speak with another customer rep - to verify and was told that my account was marked successfully for {$0.00} payment for 3 months. 

On XX/XX/20 My account was marked late due to non-payment. 

I called again to speak to a customer rep, this time they told me that I had payment deferral for 1 month not 3 months - but she made it for 3 months. The reason my account was showing late payment is because it hasn't " circulated '' yet. " They're letting all accounts go overdue and then correct them all at once instead of going into each account one by one, they have far too many cases '' She said to wait a few more days till my account recycles and there any payment due will be marked at {$0.00}. 

I waited a few more days, and then got a letter in the mail that my account was being reported to the Credit Bureau as missed payment. Even though I was told explicitly not to make any payments. 

Now I have a missed payment derogatory claim on all my credit reports.

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 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Navient account # XXXX is showing a balance of {$32000.00} & continues to be reported as a charge off every month, but it was included in chapter XXXX bankruptcy in XX/XX/2019 & XXXX on XX/XX/2019. Account should have XXXX balance and no negative payment reporting after XX/XX/2019. I have disputed with the company and with all 3 bureaus and I got back from you that the company " Verified as accurate '', but it IS NOT. See the public record that you have on my report, as well as the attached documents from bankruptcy court. My next step is to sue you if this is not resolved this time around. You have all of the information necessary to remove this error. Please remove it promptly.

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 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had a PayPal account with which he worked online, sending and receiving money for digital goods sales. On XX/XX/XXXX I received an email indicating that my account is permanently limited without the right to appeal and without giving me a reason. They also indicated that the funds that I had in my Paypal account, exactly XXXX USD, would be held for 180 days and then I could withdraw them. 
On XX/XX/XXXX, I received an email indicating that the 180 days had already been met and that I could withdraw my funds. However, the account continues with a limitation that prevents me from making the withdrawal. I have tried everything to contact them and they give me a solution : XXXX, XXXX and through email I can only speak to a bot that answers the same thing over and over again. Your telephone service is closed and your Paypal forum only serves to meet more people with the same problem. 
Today XX/XX/XXXX I continue with the money withheld and without being able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: WA

Complaint narrative:
Direct express it is constant. I got a brand new card. The only place I used it was at XXXX for cash back. The card charged me XXXX dollars saying from XXXX XXXX XXXX. I never bought anything from XXXX next I was talking to a friend I said I was thinking about getting the XXXX  company to drive my daughter here for her safety the charge came on my card. it is a constant thing. Also direct express altered my statements and my balances are incorrect XXXX On XX/XX/XXXX they froze my account I begged for 10 days for them to unfreeze it they required me to send documents when I couldn't because of the pandemic social security tried talking to them that did not work.. I was forced to beg at the grocery store plarking lot and the customer service person said I can eat after the pandemic in a few months. they then turned my card on and 6 hours later blocked it again. They said I didn't update my email and phone but I did and had been receiving my emails to my new address. in the end I was forced to disclose my court papers and my XXXX kit information for them to allow me access to my account to buy food and medication at the time my foot was XXXX. I begged everyday for 10 days.I know it is because I made a complaint about a bank and they have tarcked me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I referred a friend through the American Express Refer a Friend program because there was a XXXX Membership Rewards points bonus. Throughout the referral, I instructed my friend over the phone and made sure my friend followed all the procedures to secure my bonus. However, after 2 months of the referral, American Express denied my bonus and claimed that " My friend did not follow the link of my referral. '' I told them I made sure everything was followed and there is even another detail : right after my referral to this friend, the bonus shown on the AMEX website immediately went down to XXXX Membership Rewards points. However, AMEX claimed that was a coincidence and kept lying about this case. 
I believe AMEX is doing this since COVID-19 was a detriment to the company, but they can not be lying about customers ' bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: WA

Complaint narrative:
On XX/XX/2020 I went to go pull some money off my pre paid card witch my unemployment benefits was getting direct deposited too and it said my account is locked so then went online to check and see what is going on and again it wouldn't let me even check anything with my online account because it was locked so I call them and they say they are sorry but my account was locked and to release my money they would need copys of my id, social security card and a piece of mail proving my address so I sent all that multiple times and they still keep playing games saying its not enough or its not up to date. ive sent mail thats in the last 30 days and they still denied me my money. Its around XXXX XXXX and XXXX XXXX dollars. I have a family so I rely on my unemployment i need my money 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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau RE : RESIDENTIAL HOME LOAN # XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Customer Assistance : This letter is to inform you of unscrupulous and unlawful practices I have against my lender : XXXX XXXX whereby Lakeview Loan Servicing is the subservicer. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

I have two major complaints. Firstly, when I first got the loan, I was told I could make partial payments which I took advantage of during XX/XX/XXXX. Later, I found that this is NOT the case. They do not allow it. Furthermore, I would like you to investigate why they use a usury practice that would seem to be illegalthe fact that they charge {$50.00} a day if the payment has not arrived directly on the first of each month. This is how this company behaves DURING A PANDEMIC!!!! I would have NEVER accepted this loan had I known beforehand that this a lending practice they operate under. This business practice should be scrutinized by your agency!!!! 

Secondly, knowing that they charge {$50.00} a day after the first, I have to wonder why they delayed processing my payment that was delivered early so it would be processed by the first of XXXX. I sent it on XX/XX/XXXX and it was deposited on XX/XX/XXXX!! It was scheduled to arrive on XX/XX/XXXX, a Friday, according to the post office ( priority mail ). Then in XXXX, I mailed my payment on XX/XX/XXXX ( priority 2 day mail ) and it was deposited on XX/XX/XXXX. So why did it take the XXXX payment 7 full days of {$350.00} extra dollars that they charged to my account? 

This is a scam in my opinion. I would like to depart from this loan as it is in no ones interest to contribute anything to XXXX XXXX. Please be advised that this activity should be stopped. 

Let me know if there is anything more you need from me. I am attaching my postal receipts to show the timelines. By the way, I lost my job in XXXX and I am still unemployed. I missed my XXXX payment. I was told due to my circumstances, I could get a Forbearance agreement, which I applied for through their phone system. This month they informed me by phone that my agreement was over at the end of this month ( while the pandemic is still in effect and Shelter in Place is still valid in California ). This what they said after I previously went through their phone system and got approval for an extension for six months. They DO NOT follow their own rules!!! 

I believe I should be compensated by the loan company for these brazen banking irregularities. Please send me your judgment about this problem I am having with this bank. I would like the six months from now to catch up on my delinquent one month arrears. 

XXXX XXXX Email : 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 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
XXXX XXXX from Portfolio recovery associates in XXXX, Virginia, United States contacted me from phone number XXXX on XX/XX/XXXX at XXXX <See Attached> After asking XXXX what my address was on file, she confirmed " XXXX XXXX '' ( XXXX ). I have already provided my updated address and asked the company to stop calling me at inconvenient hours on XX/XX/2020 <See Attached>. They agreed that it was a bad time to call me. I asked to speak to a manager and spoke to Mr. XXXX. Mr. XXXX agreed that my address reflected my time zone and that XXXX phone calls are unnecessary. I advised Mr. XXXX would like to move forward to submitting a formal complaint, but he did not offer me any assistance other than they would not call during this time in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: MN

Complaint narrative:
I attempted to contact Transunion to start an investigation regarding these inquiries. Transunion referred me to CFPB. 
The following companies are involved. The are fraudulent inquiries. 

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-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 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC
State: WA

Complaint narrative:
XXXX XXXX from Insight Management Partners, repeatedly contacting myself after being told do not contact, then proceeding to call sister, sister in law, my work place, my wife 's work place, and mother in law giving details of debt to them. when told by them that he has the wrong number, he tells them that i gave him that number as a back up contact. all false. there has been 5 phone calls today XX/XX/2020 already as of XXXX XXXX PST. he has been calling at least 3-4 times daily. he has been asked several times not to call these numbers threatening lawsuit. this is harassment and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
ENHANCED RECOVERY COMPANY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account at Simple because I had learned about a promotion they were offering. If you opened your account before XX/XX/XXXX XXXX XXXX PT, deposit {$20000.00} within 15 days of opening, and maintain a balance of at least {$20000.00} until XX/XX/XXXX XXXX XXXX PT you would receive a promotion of {$400.00}. 

I met all of the conditions of the requirements and have yet to receive a promotion. Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/XXXX and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: U.S. BANCORP
State: MI

Complaint narrative:
Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on 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