vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: OH

Complaint narrative:
I entered a consumer credit transaction with Possible Financial Inc. however they have violated my rights as I have not given authorization for the account information to be furnished on my consumer reports ... ..15 USC 1681d1 defines a " Consumer Report '' as : The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title ... ... I would like you to pay attention to the Exclusion outlined in 15 USC 1681d ( 2 ) ( B ) : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ... .The credit card that I used to initiate these consumer credit transactions is my social security card. I have not given Possible Financial Inc the authorization to furnish this data on my consumer report. As the issuer of my credit card ( social security card ), I am demanding that the following accounts be deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution.

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$230.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
I am disputing a late payment fee. All of my payments have been on time for the last 15 years. Freedom Mortgage indicated that they received a late payment that was submitted on XX/XX/2021. On XX/XX/XXXX my wife contacted Freedom Mortgage to find out why that have not withdrawn the payment from the bank account. My wife was told that the bank rejected the payment due to an account number error. Freedom Mortgage did not contact me to make me aware of the banking error. Freedom Mortgage also made changes to their website. In the past if the banking information was incorrect the system would indicate that an error was made. The company waived the fee. However, the one late payment is indicated on the mortgage statement and may damage my credit score.

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 2021-03-11 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: NV

Complaint narrative:
I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXXXXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXXXXXX XXXX wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX XXXX XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists

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 2021-03-11 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: NV

Complaint narrative:
I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXX XXXX  wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX  XXXX  XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXX XXXX  wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX  XXXX  XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists

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 2021-03-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was driving to XXXX in XXXX NC. I received a phone call while driving. I didn't recognize the phone number, but it look important. The phone # was XXXX XXXX. I answered it and the person identified themselves as Federal Agent XXXX XXXX, number XXXX. 



He said my Social Security was being used for laundering drug money and if I don't help the FBI, I will be arrested for working with the illegal drug organization. I told XXXX that I would help them. XXXX instructed me to take my money out of my Bank ( which is XXXX XXXX XXXX and buy Target Gift certificates. By doing this I would be safe guarding my money. I was instructed to go to the XXXX XXXX and buy 10 XXXX  gift Certificates, which was a 2 minutes from were I was. I told them that my bank was past the XXXX and I didn't have any cash on me. XXXX said to use my credit card, then get your bank money. I went into XXXX. CVS only allow me to buy 4 XXXX Gift  Certificates at {$500.00} each. I used my Credit Card, but my Credit Card Company refuse to accept the purchase. I then used my Bank Debt Card, but my Bank also refuse to accept the purchase. I had my wife 's Credit Card and used it. Her Credit Card Company accepted the purchase. Then the " FBI Agent '' then told me to go the XXXX XXXX supermarket. They only allowed me to buy one XXXX Gift card. Then the " FBI Agent '' then told me to go to Target and buy 10 XXXX  Gift Cards. When I drove to XXXX  and asked the employee at the door where the gift cards were. He told me it was a scam and hang up on the people. That's when I went back to XXXX XXXX and interestingly I did by a Target Gift card from them, but took the wrong gift card from the pile. I then called XXXX and told them to block the credit card purchase. They refused to do it. Then I called my wife to notify her Credit Card Company of the scam. Her Credit Card Company closed the credit card. I thought that was the end of it. Two weeks later my wife 's Credit Card Company said what happened wasn't consider fruad and re-charged my wife 's Credit Card for the {$2000.00}. I believe, number 1 - XXXX should not have allowed the sale, and number 2 - My wife 's Credit Card Company should not have allowed the purchase. In short, XXXX and my wife 's credit card company did not demonstrate any type of Consumer Protection that My Credit Card Company and my bank provided me. What can I do to have the {$2000.00} taken off my wife 's statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Nelnet, Inc.
State: TX

Complaint narrative:
I called and company acknowledged that it is incorrectly reporting XX/XX/2014 as 120 days late. It acknowledged that it reported XXXX and XXXX as current yet skipped from 0 to 120 days late in XX/XX/2014. Company has promised yet failed to deliver several times on getting this time updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TX

Complaint narrative:
I called and company acknowledged that it is incorrectly reporting XX/XX/2014 as 120 days late. It acknowledged that it reported XXXX and XXXX as current yet skipped from 0 to 120 days late in XX/XX/2014. Company has promised yet failed to deliver several times on getting this time updated.

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 2021-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I have tried to contact this company on several occasions because an account with them appears in my credit report but they can not validate any type of account information because they do not have information about this account. The last time I spoke they gave me the number of an agency and I called them to ask them to validate the information of this account and this company called XXXX XXXXXXXX XXXX told me that this case was had by lawyers and that they had no information about me. bill. I contacted the law offices and they told me that they could not validate the information but that an account appeared with them to collect and that I would send them the police report to eliminate the account. More than 45 days ago I sent them documents to prove that this account is not mine and they still have not answered. I opened a dispute in XXXX and the dispute was completed but XXXX  says that Banco Popular told them that the account can not be deleted. When I call Banco Popular they do not have any information about this account in their databases, so I do not understand how the experience says that Banco Popular said that they will not delete the 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 2021-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
3 late payments showing on credit reports which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CA

Complaint narrative:
I received an account statement from a creditor who had closed my account years ago, showing a negative balance. They had reopened the account without my consent. I called the company and complained and instructed them to discard the account and my information. I am still receiving statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I mailed a letter about inaccurate, misleading, and unauthorize things on my credit report. It has been well over 60 days since I sent this letter and still have not received a response,. I contacted the bureaus and was told that I can not speak with a representative over the phone and am only allowed to mail or fax the office. I feel like they are neglecting and not taking my disputes serious. According to Section 611 ( a ) any failure to investigate these items within 30 days gives a qualified rationale to immediately remove those items from my credit report, given that it has been over 60 days, and I have not heard one word from this company, these items should be deleted immediately and without hesitation! If these accounts are not deleted immediately, I will include these mishaps and neglect in my current litigation due to feeling unheard and mistreated. Please also look into my information being breach in the XXXX  data breach bc i'm afraid that it gotten into the wrong individuals hands.

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 2021-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I called Navient on XX/XX/2021 to ask if I qualified for a deferment or a forbearance on my loans. I had damaged done to my home because of the winter storm that hit my state. The agent asked for my zip code to verify the area I lived in. She then said that because of the area I was in, my loans and other Individuals who also lived in my state would automatically have their loans go into deferment. I asked how long was the deferment? She replied with just call back when you are ready to begin giving payments. I also asked if she could cancel the autopay which she agreed to do. I was confident in trusting this agent. On XX/XX/2021, I received an email saying that I had defaulted on my loan. I promptly called Navient and was transferred to a male agent. He read off a script and then said how would you like to pay for your defaulted loan? I responded by explaining the situation and he raised his voice saying you owe two payments one for XXXX and one for XXXX. I responded with, you are incorrect because I have had my loans current because of automated payments until this month. It wasnt until he let me explain the situation that he listened. I asked why was I given wrong information from the previous loan agent? I trusted in Navient and they let me down. I hope that this error on their part doesnt show up on my credit report. This agent then put my loans in deferment until XXXX. I then asked if I will receive written notification of the deferment. He replied with yes through email. My intention for this complaint is for Navient to provide more customer service and support training for their agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XX/XX/2021, I received an email stating the following : " Hi, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX '' They have not given me an exact reason nor have they returned my money. I called at XXXX and XXXX on XXXX XX/XX/2021. The first representative hung up on me. The second representative told me that my account was open and functioning on his end. I asked him to open a case and email me the confirmation of it. He had me wait on the line with him for 3 minutes only to resend the exact same email that is above. It seemed as though he was doing it intentionally to mock me and waste my time. The other number he provided is non-functioning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
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 public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I ask for a quote on a refinance with take out. The quote after checking my credit score came at XXXX on closing cost. Them after the appraisal came at a cost of XXXX dollars the price of the house came XXXX dollars less than one done a moth before. Now my Neighboors are selling for XXXX in a week and their house does not have all the upgrades mine have. In addition to that this people kept on increasing the closing cost more and more and more. XXXX the XXXX and the last one of XXXX. That has to be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc
State: NE

Complaint narrative:
This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus. The collection agency National Service Bureau is reporting a fraud account on my credit report in the amount of {$200.00}. This is not my account and needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation