vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: TX

Complaint narrative:
I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX ). I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.

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 2020-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the account does not belong to me and is fraudulent, police report and Federal trade commission was informed Bank of America and continues to report fraudulent information after putting on notice that the account was a fraud and was not open 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 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for a card through Chase because I am in the process of trying to build my credit and I have banked with them since I was a teen. I received a notification regarding my application dated XX/XX/2020. Indication there is a fraud protection alert on my XXXX  report. It instructed me to contact XXXX  to provide my phone # and then once that is provided to call chase back to let them know. That is when they confirmed I submitted the application and that even tho they had already did a hard inquiry they would be doing one again!?! I said absolutely not. No where on this letter indicated that another report would need to be pulled. It simply stated that once the information was updated with XXXX that they would continue reviewing my application. The initial inquiry already deducted 8 points that I cant afford. Again, because Im bettering my finances and paid off any and all debt and trying to better my credit. The representative and manager did absolutely nothing but say unfortunately there is nothing they can do. This was terrible customer service. I have that alert to protect my credit not XXXX me over even more. I was diligent in responding to them within the 14 days as indicated in the letter and it didnt matter. So now Im stuck with having to go elsewhere at this point costing me an additional inquiry regardless because honestly at that point I felt that if I did allow them to do it again Id probably get declined, be down an additional 8 points and in a worse situation than Im already in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 under transaction number XXXX I sent {$80.00} dollars trough Xoom at a XXXX bank account for help some relatives to buy medical supplies during Covid 19 situation. Xoom usually set the transfer in half hour, after two days I communicate with them by email, they answered that will give me more information about my money, today is XX/XX/2020 and xoom still doesnt resolve this simple situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my fourth attempt to have inaccurate information removed from my credit report. Equifax reports a 60 then 90 day late and then the next month reports 30 days late on an account. I have tried repeatedly to correct this information. I have sent my drivers license, notorized letters, copies of my social security card, my military ID, and copies of utility bills. Not only will they not remove the inaccurate information but they keep sending me letters asking for the very same documents I sent off to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I reached out to Navient Solutions LLC, the holder of my 3 student loans, several times between XXXX. I was reaching out to Navient with the intention of paying off the balance of my 3 student loans totaling {$23000.00}. When I called in and voiced my desire to make that payment, the woman from Navient asked me if I was interested in seeing if I qualified for a student loan forgiveness and consolidation  program. I was not necessarily interested in the consolidation, however I told her I was interested in seeing if I qualified for the loan forgiveness. So the woman on the phone filled out the application to help me apply for what she claimed was an income based student loan forgiveness program. On XX/XX/20 she said that I did qualify for {$8000.00} in loan forgiveness, however there were some stipulations. I would have to pay what she claimed was the balance of the interest on my principle amount, {$5000.00}. I would also have to agree to have my loan consolidated and transferred to a new loan holding company, XXXX, where I would be able to pay off the balance. On XX/XX/20 I signed a master promissory note, with whom I believed was Navient, to complete this process. I agreed to pay the {$5000.00}, and on XX/XX/20 that money was drafted from my checking account. The women at Navient said that this consolidation process would take approximately 60-90 days, and I could expect to see my first statement from XXXX, with a new balance of approximately {$10000.00} around that time. 

I got my first statement from XXXX approximately 3 weeks ago with a balance of {$23000.00}. Shocked that my balance was {$13000.00} more than I had anticipated it being, I called XXXX to see what the discrepancy was. XXXX voiced they had no record of the {$5000.00} payment towards the interest of my balance, and they also said they had no record of any {$8000.00} forgiveness towards my balance. I called Navient, who similarly reported no record of those payments. Navient was also unable to produce any type of call log or correspondence from the communication I had with them from XXXX. 

Upon reviewing the master promissory note, it appears to reference another party/s, XXXX I also have an email thanking me from doing business with The XXXX XXXX XXXX XXXX. Finally, the fraud department at my bank was able to see that the money was drafted from my bank account under the name XXXX XXXX  XXXX. I am not sure at what point I was scammed. I feel that someone working at Navient misled/misdirected me towards the scamming company. I never reached out to anyone other than Navient throughout this entire process. They did consolidate my loans, and transfer them to a new loan holding house XXXX, however there is no trail of where my $ XXXX went nor any evidence that my loan is being forgive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: DISCOVER BANK
State: NY

Complaint narrative:
the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX  XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX  XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My balance due on my Bank of America credit card statement for the period of XXXX was {$290.00} with a payment due date of XX/XX/20. I sent a check for {$290.00} to Bank of America which was cashed by them and applied to my credit card account on XX/XX/20. I received my next Bank of America credit card statement for the period of XXXX fully expecting that there would be no interest charged to my account as my payment was 1 week before the due date. To my surprise I found that they charged me {$2.00} interest on my prior months balance. I called Bank of America 's customer service number to ask why I was charged interest when my payment was 1 week before the payment due date and was told that in order not to have interest charged the payment has to be received before the statement end date which was XX/XX/20. I asked how can a customer pay before the statement end date when the statement isn't mailed out and received until days after the statement end date and customer service told me that I should monitor the account online. I explained how absurd that was and they said that all credit card companies do this, I checked my other credit card statements and did not find any other credit card company doing this. I feel that their policy is unfair and unworkable to the average consumer, especially those who do not have computers and access to their online accounts. If a credit card statement lists a payment due date and the payment is received by that due date the customer should not be charged an interest fee. If you multiply this unfair interest fee times 12 months and the millions of customers Bank of America has you can see that they are unfairly making millions of dollars at the expense of consumers. This is not right, especially in this unstable economic period.

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 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hello CFPB, PORTFOLIO RECOVERY Associates - continues to harass me claiming I owe on the following. The have not provided any documentation that I truly owe this debt. No signature, contract, or any details. For instance, no viable evidence, bearing my signature. Please tell PORTFOLIO RECOVERY Associates. To stop calling me and harassing about a debt they have not even verified. Both accounts should be removed from my credit right away. 

XXXX XXXX XXXX XXXX amt {$2800.00} / Open Date - XX/XX/XXXX XXXX XXXX XXXX  - amt {$980.00} / Open Date - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Received notice from XXXX county, NC tax assessor 's office that my residential property was granted a Homestead Exclusion. This resulted in a 50 % reduction in my Assessed value which is what is use to calculate my tax payment. I received this notice XX/XX/2020. 
I requested my lender, SunTrust now Truist run a updated escrow analysis so my monthly tax escrow amount could be adjusted. I provided the written government document to them. 
I heard nothing, I made at least 4 additional phone calls requesting this update to my loan. Each time they told me they did not know the county tax rate and couldn't obtain it from XXXX county. I requested they use the current rate but they refused. 
As a consumer and senior citizen I feel this was a very appropriate request that could be easily handled. Mortgage lenders calculate rates as standard practice when setting up escrow accounts. 
Excess money is now being held in my account. Yes it will be refunded to me at the beginning of the year but I'm being denied the monthly saving the Homestead exclusion affords. 
I see no reason for their refusal and feel like they are violating my consumer rights. If they are doing this to me they are doing it to others.

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 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Sir/Maam, Good afternoon, we are submitting a fraud complaint on an account that was opened illegally and we are not receiving ANY assistance with Transworld Collection Agency. We have called them several times for the fraud packet and they still havent sent one to us and we have provided our address several times. The collection agency is contracted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). 

The first phone call to the debt collector was on XX/XX/XXXX ( XXXX ) and we told them that it was fraudulent account and we would like to resolve it and get back our federal income tax that was applied to the debt. After the last phone on XX/XX/XXXX they said they will mail a fraud kit out residence and it should take a few days. We immediately went to the police department and filed a police report of the fraud. Over a month goes by and no " fraud kit ''. Around XX/XX/XXXX we get a letter from Transworld thinking it was the kit, unfortunately it wasn't. It was actually a statement from XXXX with the statement and balance of the account and they want us to sign and agree that the balance owned is in fact true and we agree to it ; that is completely ILLEGAL and not what we spoke about on XX/XX/XXXX. 

On XX/XX/2020 I called XXXX four times and I specifically asked for a supervisor/manager and the first representative said she will transfer me and all I got was " the number you have dialed is not in service ''. I called again with little to no assistance. The last call I was provided a number for Mr. XXXX XXXX at ( XXXX )  XXXX and I left a message to call me back ASAP ; it's XX/XX/XXXX and no phone call back from Mr. XXXX. 


At the end of the day we just want to file a fraud report, get our names from this account and get back our federal tax return. This particular fraud is hurting us financially and also affecting jobs. Below are some details about the account. 

Account # : XXXX Open Date : XXXX XX/XX/XXXX Online Balance Owed : {$7600.00} Address used to open/mailing : XXXX XXXX XXXX XXXX XXXX, NM Last Payment : XXXX XX/XX/XXXX Sent to Collection : XXXX XX/XX/XXXX Filed police report with XXXX XXXX XXXX, NM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XX/XX/XXXX I received my stimulus check in the amount of {$1700.00}. Given I had a negative balance of {$250.00} in my golden 1 bank account already, I was expecting them to take out money owed when I received my stimulus check in which they did. Supposedly on XX/XX/XXXX they redeposited that {$250.00} back into my checking account because they wanted to help their customers get their full stimulus check. I never signed up for that action for them to redeposit {$250.00}. I knew I owed that, so I was expecting them to take that out. Now, I owe them {$250.00} again. I feel like that was a scam/fraud move, a potential gain for their business given this epidemic. I paid a debt already and they gave it back to me unknowingly and when I check my account I see I have a negative balance again of {$250.00} when I never opted in to receive my full stimulus check knowing I had a negative balance of {$250.00}

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NV

Complaint narrative:
I was XXXX from XX/XX/XXXX until XX/XX/2020. during that time my apt was broken into and.was robbed. My purse with my wallet, with all my cards, and my cell phone was among the many items that were stolen from my place i immediately called and reported them stolen and was informed that there was activity on them .I went and filed police report .I listed the cards that were stolen but was informed that I needed to call the banks the cards belonged too .I did so and direct Express sent me paper work which I filed out and faxed back I was then sent a response back denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I used paypal check cashing for my stimulus as soon as my funds where deposited paypal limited my account saying I needed to verify I'd I did and nope there " still reviewing " I need my money I have XXXX kids an unable to return to my job right now there is absolutely no way to co tact pay pal so they have managed to take XXXX from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I pulled my credit report and was looking over it and seen there were accounts i have no clue as to where they came from and or authorized to be on my credit report. This is an act of identity theft and according to Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) the specific information under dispute is derogatory nature : AMERICAN EXPRESS # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had my stimulus payment direct deposit into my PayPal account, the irs said it would be deposited into my account as of XX/XX/XXXX of 2020, in the amount of XXXX, every time I try to go to them about it, they send me to a community thing. Now is not the time to be withholding money when it's a rough time we r having anyways and this makes it more stressful!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$300.00}, {$100.00} in sets of three at different times, to a person in exchange for a new phone. I was hesitant on ending money because she kept asking for more money in order to get it shipped out to me, providing screenshots of proof that she needed the money in order to get me my package. Now that i see it, I don't think she ever sent me the phone and i think I just paid {$300.00} for nothing. I want to dispute the transactions, but I paid through XXXX, which has no buyer protection whatsoever. I was under the impression that it was safer then any other money transferring apps, but i was mistaken. After transferring the first XXXX, i was called by an unknown number claiming to be Bank of America. She said that they were calling her too, and I thought that was suspicious as well.

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This business refuses to upgrade or credit annual fees associated with its Platinum  Card membership despite my inability to utilize the card and its benefits amid the current climate.

Company response to consumer: Closed with explanation