vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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: GA

Complaint narrative:
On XX/XX/2020 I signed a rental lease agreement for furniture with XXXX XXXX. 
As per the contract there is a stipulation that clearly state : Although I may have applied for credit with a retail merchant, the rental purchase transaction is not a credit transaction. the lease rental agreement indicate the market cost of the merchandise is {$2600.00} and the buyout option is {$3500.00} XXXX has ruined my credit because they have reported this to the credit credit bureau a personal loan on the amount of {$6200.00}. 

This is creating me a significant financial harm. 
They are conducting an unfair and deceiving business practices specially in low income individuals. 
This was rental agreement not a sale or loan. I never signed a loan application. 
whatsoever for this being reported as a loan. 
Below are a basic informationn on the rental agreement. I can provide the entire copy if needed it. 
Date : Agreement Number : Lessor : Lessee : contract # XXXX DESCRIPTION OF RENTAL PROPERTY : Item # Item Description Model # Serial # This Property is : {$3500.00} XXXX payments @ /payment for a total cost of, plus tax. 
XXXX XXXX XXXX {$290.00} {$6200.00} If you fail to make a timely periodic payment, you shall have the right to reinstate this agreement ESTIMATED FAIR MARKET VALUE OF THE LEASED PROPERTY : EARLY PURCHASE OPTION : A XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX LOC :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
XX/XX/2020- My last day of work XX/XX/2020- XXXX XXXX XXXX had already cancelled events and was shutting down the city. 

XX/XX/2020- XXXX automatic payment comes through my account and Im charged an overdraft fee. I call the bank to explain that I do not have money and will be unable to pay for the XXXX bill and asked if they could please refund the overdraft fee. The lady on the phone told me that if I did not have any money in the account they would keep charging fees, so it would be better to call when I get a better outlook of my financial situation. 


XX/XX/2020 I Called Hancock at the number provided on website. That phone number connected me to a branch in XXXX, Louisiana. I spoke with the lady about my issue and she told me she could not help and I would have to contact my housing branch in XXXX, LA and gave me a number to call. 

I call the XXXX Hancock branch I get voicemail. Then I decided to call the XXXX-Hancock location and I was told that I would need to contact my housing branch in XXXX. 

I call Hancock one more time. VoicemailXX/XX/2020- I call the XXXX- Hancock and I explained the entire situation to XXXX and asked if he could please refund me the money bc I didnt have the money in my account and I havent worked in weeks. The account continued to be in the negative and the bank charges totaled to {$400.00}. XXXX informed me that he could only refund 2 overdraft fees bc I should have called my creditors to stop payments. And I informed XXXX that I called my creditors right away and the only reason my bank account was negative for so long is because I couldnt work, Im quarantined and waiting for some money from unemployment. He told me there is nothing he could do about the charges and that I should talk to my creditors about the issue. He would only refund 2 deposits. I got my lawyer on the phone and I had him talk and the lawyer was told the same thing. 

Today I finally received unemployment that I applied for but the bank fees were taken from that deposit leaving me with little money to pay my rent. 

I am so angry and disappointed because all of my other banks were very understanding and helped. At Hancock Whitney I was only allowed To speak to 1 person about my account. I dont know what the deal is but this should be illegal, if it isnt already. I am self-employed and 1099 so it took a little longer for me to get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I was in bed and received text notification that there were suspicious fraudulent transactions at XXXX gas stations and XXXX. I responded to the text and also online account to dispute the charge of {$56.00} that went through at XXXX. On XX/XX/XXXX the company sent me a letter denied my dispute and stating that the card chip was read and was signed by me when it was not. On XX/XX/XXXX, I was at home and had both of the cards in my possession. I called back to have the claim reopen and investigate again but have not heard ever seen. I called in XXXX and followed up and somehow one of the agent told me it takes two billing cycle to see the result. On XX/XX/XXXX, I tried to follow up on the fraudulent claim using the number on the letter again. After being on hold for an hour, I was able to speak to a representative and the agent told me its not them that handle the claim and transferred me to another department that responsible for it and I was on hold for another 30 minutes. The representative in this department told me its not them to handle the claim either so they give me another number which refer back to the first department I spoke to. I even request to speak to a supervisor to see if they can help me. I expressed my concern regarding the issue and the only thing she said to transfer back to the original department. It is a frustration to waste time going back and forth one from department to another where nobody know how to solve this claim. I feel like this is a very serious issue being a customer of a credit card company that is not helping to protect the customer

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 2020-04-16 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
In XXXX I applied for a card only to find out the someone had already got a card in my name, I then contacted American Express and the took all my information and told me someone would get back to me and I receive a letter about 2 weeks we later stating that there was a XXXX XXXX account that was in my name and payment was made from. I contact XXXX XXXX XXXX and they told me they could not find any records of my account, with them at least in my personal information. I then wrote to them to ask for help with the matter and no response and it's now 45 days later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear CFPB American Express Canceled my Business Platinum and other cards by falsely accusing me that i am sending altered documents. 

They asked me to send XXXX i did send after couple days they said IRS is closed send Bank statement and pay stub and i did send it. 


After couple days they canceled all my cards by falsely accusing me i sent altered documents which i did not. 


I spoke also with Supervisor XXXX XXXX in financial review XXXX Arizona and she also gave me robotic scripted answer that my only option is to reapply. 


This is just very wrong. they make up and falsely accuse you and close your account Please assist me to clear my name and reinstate my accounts. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XXXX, my husband and I learned from the IRS that we were victims of tax fraud with someone submitting a XXXX Form using our personal information. We've spent the last several weeks trying to deal with this by contacting the IRS, FTC, and various credit report companies. This has been especially difficult to navigate due to the covid crisis and most call centers being limited in their capacity. 

When we created an account with TransUnion ( XX/XX/XXXX ), it forced us to enter our credit card information in order to proceed further. We both provided this information, assuming it was needed as part of the verification process. Instead, we received a follow-up email on XX/XX/XXXX showing an order confirmation for a monthly " subscription product '' for credit monitoring. We were NOT aware that we had signed up for any services and would be charged ; instead, we were trying to set up a credit freeze and fraudulent alert. The monthly charge for this subscription service was $ XXXX for each of us. 

We attempted numerous times to contact a customer agent at TransUnion, but got no assistance other than being transferred to another department that led to an out-of-service number. We were able to cancel both subscriptions online, but did not get a refund for the initial monthly charge and have no recourse for reimbursement for one month automatic charge. The email confirming the cancellation also states that our credit report will be unlocked after our subscription ends at the end of this month.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband  asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that Velocity LLC has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX XXXX Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what Velocity is doing is unlawful. I need some help in determining what they have done was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Got my statement today, and was shocked by the shortage of funds supposed to be applied to my principal balance. You take my XXXX balance, they should have applied between {$270.00} to {$280.00} dollars every month at this stage of the loan. Subtract the 2 balances between XX/XX/2020 and my XX/XX/2020 statement of today, you end up with a {$60.00} dollar reduction a month for my last 3 payments of principal balance. All payments to them and ANY creditor has never been late, and why my credit score is in the 800 's. 
I have filed complaint to CFPB 3 times in the past, and today after 1 1/2 hours on the phone , XXXX admitted a new fact to us, that LoanCare made another error in applying my funds, and this time it goes back to XXXX of last year and only part of a check was applied wrong according to XXXX from Management she says.

CFPB has 3 complaints from me, and today is a new one and my principal balance is short better than {$650.00} dollars! 
CFPB has already taken action towards LoanCare in Virginia, and I think CFPB should take action once again, you have misapplied funds another time with just my account and of course it is my principal balance is cheated, LoanCare lied to CFPB about late payments, did not respond to the contents of my prior complaints, but dropped, you have state and federal laws broken. 
I am filing yet another complaint by an out of control company being allowed to do exactly that. I will see what CFPB does this time, and will pass on the information as instructed by CFPB employees to various people in Washington. 
Thanks, 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 2020-04-16 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: GA

Complaint narrative:
Good afternoon I contacted TransUnion by certified mail on XX/XX/2020 disputing inaccuracies in my credit file. It has been 30 days and I haven't heard from them regarding the disputed items nor has any action been taken to correct the inaccuracies. I have uploaded a copy of the letter that was sent to them for review.

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 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Gm financial americredit without making the purchaser aware transferred the car loan. The car loan would seem to no longer be covered under usury exemptions for financial institutions. I believe this would mean that the car title would be subject to Californias 10 % max usury limit. The loan was put in a trust and sold to private entities. One question I have is who owns the loan? If its privately held the 21 % interest rate is predatory. Can you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Eperian will not provide a free credit report online from XXXX, it reads : > We're sorry > > A condition exists that prevents Experian from being able to accept your request at this time. 
> > To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
> > Annual Credit Report Request Service > > XXXX   XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My wallet was misplaced on XX/XX/20. It had several credit cards within it, all the companies Ive been able to contact to cancel the cards and replace except for Barclay Card US. Ive waited on the phone on their customer service line for a total of 8 hours over the last couple of days and got disconnected. They will not respond to messages. You can look on their social media pages and its not only me who is having this problem. I am worried someone will run charges up to my account with this total lack of response by Barclay Card US.

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 2020-04-16 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: TX

Complaint narrative:
ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
so this all starts on XX/XX/XXXX when I get a notification that someone had made purchases in my name without my knowledge after waiting to be contacted about it by usaa which never happened i reached out a representative said they could ensure a full refund so I waited the money comes in and about a day later the same person starts making purchases in my name again and I reach out to usaa for a stop payment method and everything seems good about what has to be two days later the person had somehow convinced usaa to remove the stop payment and continues buying and about a few days later attempts to have a second card made out in my name to presumably continue buying stuff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX Square Account Services deactivated my account after advising they were not able to support my business needs. In an email on XX/XX/XXXX, Account Services advised that any funds currently in my account balance will be held for a period of 90 days and released to my on XX/XX/XXXX and that the funds will be available in my bank account within 2 business days. They indicated that the release date and amount available for release are subject to change if they received additional chargebacks. However, there have been no additional chargebacks since the account was closed and unable to process transactions subject to chargeback. I have emailed over a dozen times and they continue to push the date back. Without notice, I am now told I must wait an additional 90 days. Square continues to withhold funds acquired by my business 120 days ago and are legitimate and valid charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX and I have had my card with Discover for the last 7 months. I have never had a late payment at all. I have tried to manage that card responsibly. It was a secured card until last week. Last week, I received an email stating that my security deposit of XXXX was being returned to me, but my credit line will remain the same. At that time I applied for a credit limit increase and it was denied. I wanted to make sure that I had extra credit with all that is going on with Covid-19, just to have extra security. Thankfully our jobs haven't been impacted. I just received a letter email stating that there is insufficient experience with current discover card credit limit. I called the operations team to find out what they meant by that and the lady that I spoke with was very vague and was unwilling to help. The last thing that I wanted to do was submit a complaint, but no one is giving me more or any additional information on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
I have had a mortgage with Quicken for 4-5 years and have never missed a payment. I scheduled a payment for XXXX for my minimum amount and added almost {$30.00} to be applied to principle. This transaction went through on XXXX as intended. On XX/XX/XXXX, I checked my XXXX Bank account and noticed Quicken made another deduction for just my minimum amount. So in total, Quicken withdrew {$1500.00} on XXXX and {$1500.00} on XX/XX/XXXX. 
This second deduction caused my XXXX account to be overdrawn, which has never occurred. I notified Quicken of this situation on Monday XX/XX/XXXX and they said they would note the account and forward it to somebody to research. 

I get a call on XX/XX/XXXX at XXXX est from XXXX XXXX to review what i just explained. She tells me that two payments were scheduled and that i needed to contact my bank XXXX XXXX XXXX to stop payment and i am going to get a fee from Quicken for the returned payment. I expressed how ridiculous this was for many reason. 

Couple major issues i have with how this situation was treated : 1. We are in the middle of a pandemic and XXXX showed no empathy or willingness to help a customer ; she seemed to repeat the same lines without adding any personal touch to the call ( the call was recorded by Quicken between XXXX and XXXX est. ) 2. Quicken/XXXX   was notified of this error on XX/XX/XXXX by me and did not inform me until after banks are closed on the east coast on XX/XX/XXXX that i would need to do a stop payment on the " resubmitted '' payment that i already told them wasn't valid. This seems to be a very convenient way to generate fees or a very ineffective way to communicate internally. 
3. History shows my payment history ; its always minimum plus a little more towards principle. Anybody outside of the financial industry could evaluate this transaction and easily determine i didn't make/authorize two payments on two consecutive days. 
4. Inability for agent XXXX XXXX XXXX to make a decision that makes sense ; seemed very scripted and robotic, which is, in my opinion, a bi product of a company that is driven by internal policies that do not allow common sense to be used at the expense of losing a {$20.00} fee. 
5. I requested to escalate this call and was not provided XXXX XXXX superiors information. She said her boss was XXXX but would not give any contact information. 

All I wanted from the original call was to inquire about why two payments went through and to see if Quicken would cover 2 overdraft fees from XXXX. After speaking to XXXX, its clear what drives Quicken and it has nothing to do with Customer Service.

Company response to consumer: Closed with monetary relief