vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Refused to give me credit for online charges made with my XXXX Debit card. They said the merchant verified the personal information so they ruled all of them valid. I called several times asking for a copy of the detailed report of their findings for their decision. They refuse to give me any info about their investigation. They told me to call the Merchant myself. I called the Merchants and most of them had the EXACT SAME ANSWERING SERVICE SAYING THE SAME THING and I was on hold for over 10 min but never spoke to anyone. I looked up each site there is no other number for me to call. I keep asking for a detailed report on what they actually did but they refused to send me one. They treated me like I was the criminal and i had to prove I was write. They didn't talk to anyone to confirm the information. If the bank actually did call the Merchant they should have asked for a copy of a receipt, a confirmation #, a txt or email confirming the order, recorded conversation confirming the order, if the call was made online with a computer or cell phone if so got the IP address to see the location the purchase was made from. The bank said the merchant gave them my name, address, card # and SSS #. I explained that that information can be obtained many different deceiptful ways like surveys, missleading winnings these always ask for your email, phone # and address and eventually they want you to complete certain levels in order to receive your prize and only pay the shipping and handeling and how do you pay that? With your credit card. They don't need your SS # to make online purchases. I esculated the calls as far as the Claims Manager. When I asked for his supervisor he told me he didn't have one and then wouldn't give me a phone # to call to complain or an address.

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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Account Does not belongs to me This is Incorrect Information this is a fraud 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 2020-04-10 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: FL

Complaint narrative:
This Account Does not belongs to me This is Incorrect Information this is a fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: ME

Complaint narrative:
Both my son and I try to get a loan payment deferred for a month due to layoffs because of the pandemic. In a world where everyone is bending over backwards to help everyone we were told credit acceptance Corp is not offering that at this time. they should be ashamed of themselves

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 2020-04-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Confirms All USAA Temporary Credits at beginning of investigation MUST BE MADE PERMANET UPON COMPLETION OF INVESTIGATION. The above isuue took a Year XX/XX/XXXX TO XX/XX/XXXX to Complete this investigation to MAKE TEMPORARY CREDITS PERMANET. see attatched XX/XX/XXXX statement of Beginning Temporary Fraud Investigation Credits XXXX & XXXX XXXX. LISTED AS ADJUSTMENT PURCHASES TOTAL {$1.00}, XXXX. XXXX WHY ARE THESE with cute little minus signs?? XXXX NOT INCLUDED IN THE TOTAL CREDITS LINE JUST UNDERNEATH THEM.?? XXXX MAKING THEM APPEAR. ( ** AS IF** ) THEY TOTAL ON TOTAL LINE AS ALL MATH?? Kindly Note. ALL USAA FRAUD CREDITS ARE HIDDEN INTERNALLY. USAA CONFIRMS WITH STATEMENT XX/XX/XXXX {$1.00}, XXXX ADJUSTMENT PURCHASES TEMPORARY CREDITS JUST PLACED TO BEGIN INVESTIGATION ** NEVER MADE PERMANET. USAA OWES ME {$470.00} FOR XX/XX/XXXX & {$1700.00} FOR XX/XX/XXXX UNAUTHORIZED REPORTED TO BEGIN AN INVESTIGATION NEVER COMPLETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have a Federal direct consolidation loan serviced by Nelnet with account number XXXX. On XX/XX/2020 I received a letter from Nelnet updating me as to Nelnet implementing the CARES Act requirements regarding the reduction of Federal loans such as mine to 0 % and the forbearance of such payments. 

The balance on my account yesterday, XX/XX/2020, was {$190000.00} and today, XX/XX/2020, it is {$190000.00}, representing the normal accumulation of interest on my loan ( {$29.00} 1-day difference ) as if the CARES Act 0 % interest cap was not applied. They have appropriately implemented the payment forbearance, with my monthly payment auto-debit showing on my account now as being 6-months in the future, making me concerned therefore why the 0 % interest cap has not also been implemented on the loan. 

This is illegal interest and I request Nelnet immediately halt the interest accumulation and retroactively apply interest credit to cancel the interest that has accumulated on my loan since XX/XX/XXXX in accordance with U.S. law. I have messaged their customer service several times over the past month regarding timeline as to when they will be implementing said interest reduction and they are unresponsive and which is why now I am seeking the CFPB as an intermediary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are fraudulent items on my credit report from ID theft. The accounts are XXXX, XXXX XXXX, XXXX XXXX. Ive sent the company official police reports of the debts. The company will not remove the debt. Experian is always saying that the police report they can not read. I have sent the reports over 12 times and they are unblocking the fraudulent items putting it back on my credit report.

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested Bank of America to reduce my credit card interest rates, pointing out I'd made regular, timely payments for many months. My request was refused. This means I pay interest just short of 30 %, a usurious rate that means paying off my debts is nearly impossible, especially during the current epidemic.

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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts

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 2020-04-10 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: FL

Complaint narrative:
Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I online deposited 2 checks on XX/XX/2020, into my M & T account in the amount of {$240.00} and {$1000.00}, the checks where from FTC v. XXXX XXXX. When I deposited the checks I didn't notice that they had expired, the next morning I contacted the bank Customer Service department to stop the process, I was told to go to a branch location and I did. I went to the branch location the same day and spoke with XXXX XXXX she said that she couldn't stop the process I would have to wait until it was returned and send the checks back and ask them to replace the checks. I sent both checks back to the company asking them for replacements, I then contacted FTC v. XXXX on XX/XX/2020, to see if they received my request and they stated yes, however they would not be issuing replacements because they honored both checks and they cleared on XX/XX/2020. I again contacted M & T Bank letting them know what was told to me by FTC and they said yes it cleared but they were not releasing the funds to me because FTC could ask to the money back and that this could take up to one year for them to release my funds, I needed to get a statement from the company stating that they are not going to ask for the money back and a copy of the cleared check. I then sent another letter on XX/XX/2020, to FTC v. XXXX XXXX requesting a letter stating that they were not going to ask for the money back and a copy of the canceled checks. To date, I have not received any funds and no solution. My M & T online bank account has been inactive since XX/XX/2020, and I don't have any access to my accounts and they sent one on my bill payments back to the company stating that my account was frozen. I have not received a statement since XXXX because I viewed my statement online.

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 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OH

Complaint narrative:
In order to refinance my mortgage, which I desperately need to do and as quickly as possible ( or it may not happen ), I need a payment amount to show up for my student loan on my credit report. However, because I was on forbearance, it is not showing up. I then applied for a payment plan, only to find out on the 10th business day when they finally answered my phone call that they would not be able to put me on a payment plan due to COVID-19. Thereafter, we decided that a suitable alternative would be a letter that could be emailed to me explaining the circumstances. However, they keep changing their story and at first, they were saying they would send that letter within a couple of hours and then they kept subsequently changing the time frame. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I made a purchase on XX/XX/XXXX for {$45.00} for a bathroom cabinet. I used Paypal to make this purchase. The seller uploaded tracking information a day later showing that the item had shipped out. I never received this item and the seller does not respond to any emails. The seller uploaded tracking information for XXXX XXXX. This tracking number indeed shows delivered. However, after speaking with XXXX this tracking number IS NOT for an item sent from this seller, nor was it shipped to me, or my address. I have opened up a dispute with paypal as well as having the dispute reopened and as long as the seller provides the same tracking number that XXXX  says is not valid they continue to close the case in the seller 's favor. I provided the documentation from XXXX showing that tracking number is for an item not delivered to me they still close the case and no refund provided. attached is the document from ups THIS IS NOT THE PACKAGE that I paid for. paypal dispute id : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP
State: NJ

Complaint narrative:
I called my mortgage company both last month and this month to discuss the fact that due to the Coronavirus, my wife lost her job and as such we've had to pay for continuing medical insurance out of pocket. When I called in XXXX on approximately XX/XX/2020 I asked what the procedure would be under the circumstances in the event I was unable to pay our mortgage. At that time the mortgage company informed me that the procedure is no different than if we weren't in the middle of a crisis and therefore they would send me a loss mitigation package and I would be able to complete to see if I qualify for a loan modification. Just the other day on XX/XX/2020, the mortgage company called me to discuss getting the loan paid up to date. I explained our financial situation once again to the representative over the phone and again asked about a 90 day forbearance as our state Governor has mandated this relief for homeowners without penalty. Our mortgage company is not following this mandate and instead is penalizing us by causing us to either enter into a strenuous time-consuming process of loss mitigation in order to " see if we qualify '', or, skip the payments and risk foreclosure action by them. By default, any homeowner in New Jersey that has a mortgage qualifies for this program. Why is my mortgage company taking a hard line with this with no repercussions to them? Very unfair and unjust in light of the current disaster situation we're in. We, as homeowners should not be placed in a precarious position for something we did not cause to occur. By the mortgage company sending me the loss mitigation package and having to complete it, it would create a hardship on us to get all of this paperwork completed and at the end of all that, we still may not qualify and next we'll find ourselves in foreclosure and possibly risk losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I went to quicken loans and Rocket Mortgage to try to refinance my mortgage. I had just gotten word that my mortgage interest was going to increase so I wanted a new loan. I contacted quicken loans on approximately XX/XX/XXXX They said they could help me. In our initial contacts and review of loan I was told that I would not need to put any money down as closing costs. I would need to do an initial deposit for appraisals, etc. During the loan process and the appraisal things changed. I was constantly asked to prove I had XXXX which I don't have. I was then told that the appraisal came in lower so I would have to. I spent over, including the XXXX deposit, XXXX dollars in getting my house ready. I kept continuall y getting letters for proof of money. I finally called and they said I need the XXXX now because my house was appraised lower and basically they didn't think they could get me a loan now. At this time covid has happened and I am unemployed. I begged for my appraisal back. I would not have gone through this process if I was initially told I would need money down. I don't have any money to do that. They said it is through a 3rd party so no. They refused to give me any money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In light of the Covid19 crisis under the mandate of NY, my retail business, cards & gifts has been ordered to close the doors to the public as a non-essential business. It has been three weeks today that we have not been allowed to make any walk in sales. In the meantime my credit card holder JP Morgan Chase. has decided, that even though I am currently out of business and not generating any walk in sales to continue to accrue interest. At this rate, with my business closed for the foreseeable future due to the NY mandate, the costs of the accruing interest may be in an insurmountable debt the will put my business with all of it's employees in peril. Even when we are allowed to open our doors again, it may be a long time before retail sales for a card and gift store return to a normal level. We have been in business almost 44 years now and have a perfect record in paying our creditors, our government agencies, our employees and our vendors.Please, please contact JP Morgan Chase to apply pressure to reverse this greedy, unattainable, unforgiving, lack of empathy policy,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... 

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array 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