vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX i lost my phone at XXXX XXXX at which time i notified the authorities. Next day upon checking my checking account i noticed money was transferred to some one in XXXX  to the tune of XXXX. I immediately asked my bank Navy Federal to stop the transactions to only be told that it was a transaction done from sum bank app service offered by Navy Federal but seperate from Navy Federal Bank and that the transaction had to go thru first then a fraud dispute could be placed to recieve my money back. It is now 8 months later an i have been repeatedly denied my XXXX that the police report states that Navy Federal made me go pick up to only deny me of my own money again. Now they say because transactions were done from the historical device i would have to sue to recieve my own XXXX back even thou Navy Federal allowed this theft to go on and did nothing to stop it. I am demanding that Navy Federal give me back my money that they allowed to be taken without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report I found errors, invalid and accurate accounts reporting on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I received a process of garnishment from XXXX XXXX for the company named XXXX XXXX XXXX XXXX. I had told them several times that I had got injured at work back on XX/XX/XXXX and had been off work since then. I had a XXXX XXXX  on XX/XX/XXXX and on Thursday I had this document delivered to me for garnishment. Several employees from this company have been to my place of residence and was aware of my condition. I just was released by the doctor to return to work on XX/XX/XXXX. The amount that this company is asking for is more than the contract amount that I received. I was given a loan in check form in the amount of {$2000.00} or it could be a few dollars more or less. I had been paying on this loan up until I was injured and I am trying to figure out how could he sue for {$2700.00} when I have indeed been paying on this loan before I became injured. It seems as if this loan company want money that I already paid towards the loan too. And I thought since the pandemic was going on companies are not able to collect on debt.

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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I found errors, invalid and accurate accounts reporting on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Trump signed over a new rulings to defer our loans for 6 months but there's not supposed to be a retaliation to the American citizens over this. I'm one of the citizens that declined the deferment because I didn't trust the system. And I have good reason, last week the credit bureau has added XXXX XXXXof capitalized interest on my student loan dropping my credit score 118 points. XXXX stated they did not send this information to credit bureau. Somewhere there's an assumption that I took the deferment. Now the credit bureau has added this capitalized interest to my student loan which is not accurate. It takes you one day to do destroy my credit and it will take me a year to correct it.

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 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020. Checks for the full amounts owed were sent to each of these accounts from XXXX to Capital One : Capital One ending in # XXXX {$3700.00} Capital One ending in # XXXX {$680.00} Capital One ending in # XXXX {$2600.00} Capital One ending in # XXXX {$2100.00} Capital One ending in # XXXX {$3400.00} Total payment on these accounts : {$12000.00}. 
Prior to these payoff checks sent, I made my monthly payments due XX/XX/XXXX to avoid any late fees while these checks were received and processed by Capital One. 
I later received statements showing I owed interest on each one after payment in full was received. After sending them a letter priority mail on XX/XX/2020, asking why I was paying interest on top of interest, I received a letter on XX/XX/2020 letting me know the accounts were closed per my request, which I had requested they close since I was paying in full BUT no answer to my question. I attempted to call several times prior to mailing this letter but had not success in getting anyone on the line after waiting over an hour. I went ahead and paid the interest on these accounts which added to {$280.00}, out of fear I may be hit with a late fee. I attempted to call again XX/XX/2020. After waiting over an hour for a rep on phone, I was told I had to pay the interest on interest and also a residual fee after for each one. ( how do you pay interest on interest? ) Residual fee? On accounts paid in full? They said, that was their policy. 
Shortly after making full payments on these accounts, On XX/XX/XXXX, my husband lost his job due to COVID and is currently unemployed. I have struggled to pay these additional fees that I find to be an illegal act by this credit card company. I was told if I did not pay the additional fees, a late fee will be added on top. I should not have to pay interest or residual fees on a payoff amount that had not outstanding balance. I also requested a copy of their agreement stating they are allowed to do this. I never received a response or any response to any of my questions. Again, we are in no financial position at this time due to loss of unemployment to be slammed with extra fees. It is unfortunate that the timing on these payments made in full and my husband losing his job came at a worse time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: VA

Complaint narrative:
There is a derogatory remark on my credit report stating I owe {$120.00}. I fo not recognize this charge, and my credit record has been impacted by this collection without the benefit of being contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion charged me XXXX to give me credit score. Although I admit that it was written in fine print which I overlooked. But I do not see the transaction in " my orders '' page when I log into TransUnion. However, I do see two XXXX transactions on my XXXX credit card by TransUnion on the same day. 
Not only that, I'm having to change my password Everytime I try to log in. 
I believe my account on TransUnion has been compromised. Even if I did accidentally subscribe to get a credit score, it would not explain two transactions and login errors.

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 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trump signed over a new rulings to defer our loans for 6 months but there's not supposed to be a retaliation to the American citizens over this. I'm one of the citizens that declined the deferment because I didn't trust the system. And I have good reason, last week the credit bureau has added XXXX XXXXof capitalized interest on my student loan dropping my credit score 118 points. XXXX stated they did not send this information to credit bureau. Somewhere there's an assumption that I took the deferment. Now the credit bureau has added this capitalized interest to my student loan which is not accurate. It takes you one day to do destroy my credit and it will take me a year to correct it.

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 2020-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During the covid-19 crisis like many I lost my job. I immediately contacted all my credit card lenders to see what they were offering their customers at this time. Capital One is the only company to give me such a hard time I spoke to 3 different call reps and 1 senior in charge. I made a XXXX $ cash advance transaction in XXXX, Ive been making my payments when I noticed a XXXX interest charge on my bill each month. At first I thought nothing of it because I was working, now being out of work I tried to see if they could suspend the interest fees and late fees for as long as they could while I try to catch up. Since making my minimum each month means nothing if they are going to just add on $ XXXX interests I will never pay it off in that case. All the associates said they are not waiving the interest fee. I get it they have to make money too but during this time I AM THE MONEY like every other customer they have. During covid-19 all interest and late fees should be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank where I have 7 branded cards for services ranging from XXXX, XXXX XXXX and XXXX medical card. I attempted to use my card now that my doctor is allowing XXXX XXXX- I went online to verify my dr was in the network and he was comenity site asked during the search to provide services possibly being used and identify the dr office this was in XX/XX/2020  when trying to use the card on XX/XX/2020 it was declined- I sent them a secured message and they quickly replied that due to inactivity they closed the account and coincidentally it was two days after my search for my dr on their site. I have had the card for 5 years and paid all my medical procedures on time, in full and before interest could accrue. My credit score has decreased in the past couple of months due to using 22 % of my available credit vs my usual 11 %. This is not a result of financial loss only my being cautious and keeping more cash on hand but still no late payments to any creditor for 45 years - no bankruptcy, no collections, always and still pay well above the minimum due. I understand banks are pulling back credit lines with no real reason. The credit agreement for all comenity cards does not list that credit will be evaluated at anytime or for any purchase as long as account is in good standing their medical services card are not subject to closure due to long periods of non use. And certainly they knew I planned to use the card and once they closed it it immediately raised my credit usage to 30 % and dropped my score 20+ points. I dont believe this is a fair practice during this pandemic and am tired of seeing and now feeling myself these lenders just making rules as they go. When I called they asked me several times my date of birth and asked how long the dr was offering terms - I got put on hold and when he came back online said I would have to reapply- I feel Ive been age discriminated against and also based on my name the assumption that I was not the race of client they wanted to continue to do business with. XXXX did this after XX/XX/XXXX and not only did they pay dearly but have been one of my best financial partners since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX  from neither XXXX or TransUnion. This account has been deleted off my XXXX Credit Report and I believe that both XXXX   and TransUnion should remove it as well because I have not received documentation that was requested showing that there was a contract.

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 2020-05-16 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I opened up a XXXX XXXX account with XXXX XXXX sometime in XXXX. This account has been kept in good standing and was always used responsibly. On or about XX/XX/XXXX, there were over {$600.00} worth of fraudulent charges made on the account that I did not authorize. This happened around the same time I was relocating from XXXX to XXXX XXXX due to employment. I raised my concern to XXXX XXXX, which in turn they immediately credited about {$250.00} worth of charges and stated they were going to freeze my account and all reporting to the credit agencies XXXX which they did not ), while they investigated. Also XXXX reached out to let consumers know of a breach that impacted XXXX XXXX XXXX customers ( XXXX XXXX did not notify me of a breach ). Around that time it appears XXXX XXXX sold off the XXXX accounts to Comenity bank, and nothing was done In the investigation. as XXXX XXXX never reached back out to me to share their conclusion. When I reached out to Commenity bank and their fraud dept to explain the situation, I was told that they were going to issue me a new card once I brought the account current ( which they never did ). When I called back- Agents were rude and would refuse to provide information on the status of my account, my fraud case and the status of my card issuance. Commenity continued to negatively report to the credit agencies without addressing my concerns, and directed me to dispute the fraud charges with the agencies rather than with their bank. After weeks of back and forth, Commenity ultimately shared that the account was closed and they were never going to re-issue a new card, even after they took several payments on my account. I made a final payment to the account as it was clear they werent investigating my fraud claims and the interest on that balance was still accruing. Even after paying out and closing the account, Comenity still sends me notices about my account as if it were still active, Recently they just sent me a change of terms to our agreement ( see attached ), Ultimately both companies completely mismanaged my fraud case and continued to negatively report against me- even when Ive done everything on my part to notify them about the fraudulent charges. I want all negative reporting to be deleted, and I want both banks to be held accountable for how they mishandled the transition of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: NC

Complaint narrative:
I have been dealing with Equifax for over a year now trying to remove unverified items from my credit report. In disputing with the credit bureaus the burden of proof is on them. I gave them a hand and did my due diligence for them, which I sent them some proof on these two accounts that remain to dispute on. XXXX XXXX just appeared on my credit out of nowhere around XXXX of last year. I sent XXXX XXXX a verification letter to send me proof that this account is mine, they sent me NOTHING! I sent a copy of this same letter to Equifax stating that they sent me nothing so how are you able to verify this information? Equifax still refuse to remove it. I mail out a dispute letter on XX/XX/2020 they never responded. I mail a non-response letter after the 30 days on XX/XX/XXXX which they received on XX/XX/XXXX which I did received a response back dated XX/XX/XXXX. It took Equifax over 64 days before I got a response and they still didn't delete the account or correct the late payment even when I sent them proof. The other account that I sent them proof on was XXXX XXXX XXXX for a late payment, and it's still showing up late on my report. 

They have violated my rights in more than one way according to the Fair Credit Reporting Act. If the bureaus don't respond back in 30 days it is to be deleted from my credit file. I am filling this complaint because I have had enough of my rights being violated. Hope you can help out! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: KS

Complaint narrative:
My mom and I have spent over 20 hours this week on hold to activate her card and we keep getting disconnected. 

All her bills are late and getting late fees along with the fact she is XXXX, this Direct Express company Ive ever tried to contact in all my life. 

We need help ASAP. 

No answer for over 20 hours of being on hold and stuck with no way to access her money. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: SANTANDER BANCORP
State: PR

Complaint narrative:
XXXX XXXX, Florida XX/XX/2020 I made a reservation by phone and when arrive there with my husband theres nobody and the hotel was under construction, nobody answer the phone and nobody at the front desk. I already made a dispute with banco Santander of Puerto Rico and they dont approve the credit. I made many efforts by phone with the hotel with no positives results. Banco Santander Remove my credit for the {$120.00} and charge again the money because I have to call the hotel for the solution. Thats the response at my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: IN

Complaint narrative:
I was trying to get a free credit report from TransUnion and they charged me XXXX for a membership that I did not sign up for. A free credit report is all that was advertised.

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 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : This problem is in regards to XXXX reporting XXXX am late for the months of XXXX and XX/XX/XXXX on a closed child support case. 

The case was closed in XX/XX/XXXX. According to Experian they reporting the debt as a XXXX  balance but yet reporting the account to be closed. Experian reported the account was first reported in XX/XX/XXXX, when the account was closed. There is a standing court order. 

Which has been fully paid to the state of Virginia and there is a XXXX   balance on the account in Virginia. The issue is Experian is refusing to take this account off of my credit report indicating XXXX is verifying the report. 

Upon my contact XXXX they reported the case is closed. 

The problem is I am the parent now who receives child support. This account is grossly over due. In which they continue to make no efforts to collect funds on my children behalf.

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