vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-10-02 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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have  not been successful.

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 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I wire transferred XXXX from Goldman Sachs USA. I usually receive Them The Same Day, so when I checked back to find out why it was Delayed they said a jealous employee Reversed it trying to steal XXXX from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2020, we charged a hotel reservation @ {$580.00}, non-cancellable, for travel to XXXX  in early XXXX. It was charged to our CapitalOne Visa credit card, through XXXX. The XXXX offered us a credit for a later use within a very limited time. We rejected the offer because 1 ) we chose to do so and it was not required of us by the contract, 2 ) we are XXXX years old with health conditions and are susceptible to a life threatening response to viral exposure, and 3 ) my wife has developed a XXXX XXXX and can no longer travel abroad. 

Prior to the payment due date, we advised CapitalOne that we were not paying because all hotels in XXXX  were closed by the government because of the pandemic ; the vendor was therefore unable to provide the services for which we were charged. CapitalOne initially removed the charge and contacted the vendor, who advised that they made a credit offer to us. CapitalOne therefore re-charged us despite the fact that we can not use it and have no contractual obligation to accept it. 

We have advised them that we do not have to pay for something that the vendor could not provide per the contract. The non-cancellable contract was between two parties and the hotel/vendor defaulted, regardless of the fact that they had no other option, just as we had no option to travel there at the time and can not do so now or hereafter. 

CapitalOne has refused to remove the charge and has since charged us interest charges and now has begun monthly late payment fees. I was advised by phone onXX/XX/XXXX by the representatives of CapitalOne that they are sympathetic to our situation and are sorry, but the company [ CapitalOne ] policy under the pandemic requires acceptance of an offer for a credit for later use. 

I asked about dispute arbitration and broached the idea of a settlement. I was advised they do not use an arbitrator and do not settle : Have a nice day. 

The dispute is no longer with the vendor, but with CapitalOne about a policy that they chose on their own to put into effect at the onset of the pandemic without notice to their customers, regardless of the illegitimacy of such charges as in this situation. This is not misbehavior by an individual vendor, it is predatory misbehavior by a major bank and credit card company. We need it to be resolved but they advise that the case is closed. I have retained all correspondence, which was primarily in writing per their policies. All other legitimate charges were paid and our account with CapitalOne was closed as a result of their irrational and unethical intransigence. 

We therefore have no option other than to lodge a consumer complaint and request your assistance. 


XXXX XXXX cc : XXXX XXXX XXXX, XXXX, CapitalOne Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
My loans have been paid off the same account, but the FEDLOAN does not reflect that. The payments should be the same, as they have been made on the same payment account. 

XXXX XXXX XXXX XXXX XXXX {$33000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility  XX/XX/XXXX XXXX Eligible Payments 93 QualifyingPayments 6 PaymentsNeed Employment Certification 10 Ineligible Payments 2 XXXX  XXXX  XXXX XXXX {$34000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility XX/XX/XXXX XXXX Eligible Payments 18 QualifyingPayments 6 PaymentsNeed Employment Certification 85 Ineligible Payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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: IN

Complaint narrative:
I was set to receive my social secruity benefits onto a DirectExpress debit mastercard.. This month on XX/XX/2020 I did not recieve my benefits onto the card the Social Security office sent out my payment but Im unable to get a live person at DirectExpress to apeak to about my account or to even have this specific debit card closed and to open a new one. I have tried every department I can think to help me on this and there isn't anyone because Im unable to get a live person at Direct Deposit. If possible Id like to close the account on the debit card XXXX and have another card sent to me with my benifits on it. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for and was approved for a Sams Club master card on XX/XX/2020. When I received the card I also got a letter letting me know the interest rate of 22.9 % reflects my credit score of XXXX. I looked at my score and it was XXXX. I felt why give me a {$4000.00} line with a XXXX score. I called the card and was told that score was reported to them from the reporting agency, XXXX. I called XXXX  and was told they are wrong, the bank does not get your score, and not sure how they come up with this number. I chated with the bank again on XX/XX/2020 and no help reducing the rate. Currently, my score is XXXX. 
If the bank can just make up numbers to give you a high-interest rate, how is this fair to anyone? I work hard to keep a good credit score but  what is the difference if they can just make up numbers. Is this a common practice and ethical?

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 2020-10-02 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: PA

Complaint narrative:
I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.

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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Southwest refit Systems engaged in predatory tactics, contacting third-parties, threatening, placing false credit collections on my credit. This company has violated nearly every consumer protection law. I should sue them, and I will, but Im beginning with the appropriate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Multiple attempts to have a fraudulent charge on my card removed. Barclays has been zero help. They do not care. At this point I already have a paper statement from them stating I am not responsible for the charge, dated XXXX and the charge is STILL on my card. This began back on XX/XX/XXXX, I've been trying to get this resolved.

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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I OPEN AN ACCOUNT WITH REGIONS BANK ON XX/XX/2020 WITH XXXX CASH ON THE NEXT DAY THE CLOSED THE ACCOUNT AND WILL NOT GIVE MY CASH BACK. 
THEY CLOSED THE ACCOUNT I'M PRETTY SURE BECAUSE XXXX XXXX NO OTHER REASON HOWEVER I DON'T CARE I WANT MY MONEY BACK

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 2020-10-02 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 I added a new payment account and made a payment. I also made a payment XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I logged onto my banking website and realized the payments were not taken out. I then logged on to Chase 's website and noticed my account was closed and all three payments were returned. I immediately called Chase card services. While on the phone I noticed the new payment account was not available and was unable to re-add it, the Chase representative offered and stated he  successfully added the account and I could make a payment. I was then transferred to the lending team who informed me that due to my balance being close to the limit and the three returned payments my account was closed, but with a hard pull to my credit I could be considered for redemption. I stated that it was a mistake, and no one had reached out to me. The lending team representative then stated that they do notify their customers of returned payments on their mailed statements and that no error was made. It hadnt been 5 days since the returned payments, when I asked for a letter stating I was in good standing at the time of closure they refused. I feel this is unfair since I wasnt given the option to address the issue and this will now have a negative effect on my credit report that I have worked hard to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a mortgage with Bank Of America here by known as BoA, on a House that was sold on XX/XX/XXXX. The payoff was sent from the Attorney 's office, XXXX XXXX out of XXXX XXXX LA. I have the payoff letter from BoA and the Cleared check from the BoA. BoA has failed to record the payoff and has continued to collect on this mortgage. I have contact BoA, faxed them the paperwork from the Attorney 's office and they still continue to debit my checking account. They have also contacted my money manager with Merrill Lynch Investments threatening to confiscate assets if I do not continue to pay on this loan. They have refused to help me resolve this issue so I have had to close my Checking account to prevent further theft. I have bounce checks because this issue was supposed to be resolved then an unexpected {$2300.00} is withdrawn from the account. I have incurred several hundreds of dollars in NSF penalties due to this bank mistake. I do not know what else can be done to prove the account is closed and been paid off since XX/XX/XXXX. Since the property sale closing, the bank has continued to pull money from my account totaling {$4700.00}. Furthermore, I have incurred {$840.00} in NSF charges and penalties due to their inability mark the loan as closed and payed in full. Furthermore, I have lost the trust and goodwill from those companies with whom I use for various services. The mental anguish and embarrassment of bouncing checks to multiple people along with the loss in goodwill will have permanent impacts on my business relationships.

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 2020-10-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.

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 2020-10-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am currently on the forebearance plan right now and keeping informing Navy for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, XXXX, XXXX, and Navy federal nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to Navy federal the reps have a attitude and never get anything resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a transfer on XX/XX/2020 of an amount of {$5400.00} to Citi Bank from my external bank. Citi claims the transfer was rejected and should be returned 3 to 4 days from XX/XX/2020 for the transfer to be process. After 5 days, still nothing showed up, I went to my external bank and they showed the transfer was cleared to citi and nothing was being sent back. I have been calling Citi for weeks and they claim to not know where the money is. 

I received statements from both bank and a detailed transcript of the transfer with the tracing number. Showing on my external bank there is a transfer coming out but no transfer coming in and it has been 30 days since XXXX. 

I also researched on transfer to citi and finding other clients having the same problem with citi bank. They would transfer funds and the funds would get rejected or the transfer would be complete, but then citi closes their bank account without notice and they keep the money. Citi has been doing this to multiple clients and stealing people 's money.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 Capital One responded to my complaint as followed with the attached letter : Stating _ In order to clear the fraud concerns, we require a copy of the front and back of your government issued drivers license. 

The Documentation Verification, requested by Capital One was submitted on XX/XX/2020. A copy of my Texas Driver License front and back _ by certified mail XXXX on XX/XX/2020. 
case number : XXXX Capital One Financial Corporation XXXX stated the Texas Driver License is not legible. 
The Documentation Verification, requested by Capital One was submitted a second time on XX/XX/2020. I have submitted my Texas Driver License front and back and Transportation Worker Identification Credential by certified mail XXXX XXXX Capital One Financial Corporation _ stated that they are not legible. 

On XX/XX/2020 a copy of my Texas Driver License front and back and Federal Transportation Worker Identification Credential Card was faxed ( XXXX ) to Capital One_ On XX/XX/2020 Capital One Financial Corporation XXXX stated that they are not legible. 

XXXX

Company response to consumer: Closed with explanation