vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: SD

Complaint narrative:
This is a " repeat '' of my CFPB complaint that I filed on XX/XX/XXXX, Case # XXXX, which took Equifax 9 months to correct as evidenced by my Equifax Credit File Report I received on XX/XX/XXXX, Confirmation # XXXX. The SAME error, wrong PMB #, appears in my current Equifax file which has now caused myEquifax account to be " locked ''. The wrong PMB number being reported belongs to a person whom has the same name as me. Note : My spouse, whom has the same address as me is unaffected since the error does NOT appear in her credit file. As a result, I am unable to temporarily lift my " credit account freeze '' which may now cause me to suffer a significant financial loss. I called the Equifax customer service number on XX/XX/XXXX and spoke with two overseas representatives, one a  supervisor, for 33 minutes with no resolution. On XX/XX/XXXX I spoke with five USA representatives, whom two were supervisors, for 85 minutes with no resolution. Additionally, Equifax representatives informed me there is now a " new '' incorrect address regarding the last digit in my PMB number. Supposedly, a correction is being submitted to correct this latter error, but I am still unable to lift my credit account freeze because Equifax is reporting the same error in my address that they eventually corrected per my XX/XX/XXXX CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have sent an affidavit to the company National Credit System and have yet to hear back from this company. I have filed several disputes with XXXX and have not received why this is still on my credit report. This is a fraudulent account and does not belong to me. As I have explained several times my wallet was lost with my ID and my social security card inside. I have been trying for months to clear up the damage that this mishap has caused. XXXX  /national credit system continue to not correct and removed this item from my report. I have done all that was asked of me from National Credit and they have not even responded back to me. XXXX continues to not remove or even explain why this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In early XX/XX/2019 I was booking airline tickets to visit my dad in a XXXX home in NJ, I live in CA. There was a promotion on the travel website offering an immediate discount on the ticket and waived bag fees if I opened and paid for the ticket with a Bank of America charge card. I followed all directions and when it came for the decision of granting the account, Bank of America could not at the moment. I ended up using a different charge card and received no discount. I received a letter from BOA with a phone number to call. I did so. The call lasted 30 seconds. They just wanted to confirm my address. Ridiculous. They ultimately sent the charge card in the mail. I opened up the envelope and read through the initial tri fold which contained the card. There was no mention of an annual fee. I never called to activate the card. I was not happy with the process. I never used the card. Still attached to paper. Anyway, it has come to my attention that BOA did charge me a {$75.00} annual fee for a card I never activated, used, or received any benefit from. In addition, apparently I have been two months past due on the annual fee I never knew I would incur. My credit score has sunken 81 points. I pay all my bills on time. I called over to BOA today to get this straightened out. I spent 47 minutes on the phone only not to get a decision or assurances that my concerns of credit reporting would be addressed. 
I looked at the documents that came with a card from XXXX XXXX, prominently and intelligently placed was an explanation of fees, including listing the annual fee ( there was none ). I went through the BOA envelope. This time carefully. On page 7 of the " Agreement '' packet, BOA lists the annual fee in not too shocking, same font as everything else. It is not prominent. The fee is not listed anywhere else in the packet of information accompanying the actual charge card. I feel BOA has purposefully obfuscated pertinent facts. How come XXXX can be upfront in how it presents important information? And yet BOA, which is a massive bank, surely knows the benefit of hiding a deal breaking annual fee. On face it makes the card look better when the fee is hidden. I want BOA to cancel all charges on the account. I want BOA to be responsible for the negative impact on hard worked credit score. I want them to pay me for the aggravation, the higher costs of borrowing due to their erroneous reporting. I want BOA to issue an apology and change their deceptive practices.

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 2019-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I originally had a vehicle loan with XXXX XXXX XXXX XXXX XXXX is which in their admitted error placed CPI insurance on my account. My loan then went past due and during this dispute and escalation process against XXXX my loan was transferred to Pen Fed Credit Union but in a delinquent stage. I advised Pen Fed representatives that this is a mistake of XXXX XXXX and that I am not past due it is due to the CPI that was force placed that should not have been that my account is delinquent. After I escalated this issue to supervisors and a VP by the name of XXXX XXXX who was able to fix and update my account rapidly refunding over {$1500.00} to m account which placed it back at its normal payment and in a current status. Despite that issue being fixed it was reported that I was 30 days past due on two different occasions to the credit bureaus and I need those removed immediately. Pen Fed has acknowledged the mistake and removed all late fees from the account and apologized but this has not restored my credit.

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 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2019 my checking account with Comerica bank. I had over drawn my account {$500.00} they charged me {$35.00} for the over drawn. This some how reached to {$1100.00} I had my employer deposit a check for the amount of {$2000.00} and when I tried to retrieve money my account was already close. Then comerica bank send me a check for the amount of {$870.00} when I tried to contact them for an explanation regarding what happened with the rest of the money. Comercia states my account had closed for insufficient funds. For this I got placed on the check system for 7 years even though I paid them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Lakeview Loan Servicing ( a.k.a. XXXX ) refuses to remove PMI. Our loan to value is now 59.2 %. Lakeview Loan Servicing ( a.k.a. XXXX ) states that they will continue to charge PMI until XX/XX/2021. All written requests for cancellation of the PMI have been acknowledged with a request for {$500.00} to remove the PMI. We consider this tactic a denial of our request.

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 2019-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
This is in regards to the XXXX Loan Program. I had the insulation in my home redone and the contractor suggested this new program in XXXX of 2016. Sounded good as it put people to work and possibly tax deductible. Was not told that payments would not be made in the first year which leads to a negative amortization situation over the first years of the program. We owe more now than what we actually paid for the service and have made two years of payments. In the payoff statement I am including, the company is asking for {$2100.00} in interest payments for 2 months. The initial service was only {$7200.00}. 

I was also lead to believe early and additional payments could be made without penalties or extra fees. The website charges {$50.00} for a payoff statement and does not give any information regarding early payments. This is a bad situation for homeowners with may pitfalls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2019, I provided Western Union with my credit card to make a money transfer out of country in the amount of {$870.00} USD. The money was for the purchase of one pair of women 's XXXX tennis shoes. When the merchandise did not arrive and the merchant could not be reached, I filed a claim through Western Union. They were very uncooperative and did nothing to help me recover my money.

Western Union has a history of aiding and abetting fraud and they have an active settlement with the US government, however, my incident is to recent to fall under that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am a victim of identity theft and NAVY FEDERAL is refusing to remove these accounts from my credit report especially since their system is flawed and they have a low level screening process for membership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: SCS Credit Corporation
State: IN

Complaint narrative:
XXXX refuse to remove two accounts from my credit report that has been filed and discharged in a bankruptcy as of XX/XX/2019. Both accounts SCS CREDIT and XXXX XXXX are closed accounts while discharged in the bankruptcy the two accounts should not still be showing on my credit. These accounts are negatively affecting my credit score. XXXX dispute result stated that I filed for a dispute in XXXX for the two accounts, but the bankruptcy had not been discharged yet. Now, XXXX refuses to let me dispute these two accounts again. SCS credit Corp and XXXX XXXX are included in the public record located on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: McCalla Raymer Leibert Pierce, LLC
State: IL

Complaint narrative:
XXXX XXXX will not remove this account from my credit report even though i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX refuse to remove two accounts from my credit report that has been filed and discharged in a bankruptcy as of XX/XX/2019. Both accounts XXXX XXXX and Capital one are closed accounts while discharged in the bankruptcy the two accounts should not still be showing on my credit. These accounts are negatively affecting my credit score. XXXX   dispute result stated that I filed for a dispute in XXXX for the two accounts, but the bankruptcy had not been discharged yet. Now, XXXX  refuses to let me dispute these two accounts again. XXXX XXXX XXXX and Capital One are included in the public record located on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
I was approved for a Business Line of Credit with XXXX XXXX XXXX in XX/XX/2019 and as a requirement to keep the BLOC active, there policy is that you have to open a business checking as well. So the banks policy is to use XXXX to check you consumer report with lexis nexis. Upon opening the account in XX/XX/2019 there was no freeze on or any other issues showing on LN. So on XX/XX/2019 I tried to cash a check against the BLOC at the bank and was informed that they couldn't because XXXX showed a frozen account with LN. I called them several times and they reported that the freeze takes 15 mins to be removed. Each time I called them back they said the system showed it was removed ... however after contacting XXXX, each time they said there was a consumer freeze. Enclosed you will find a copy of a letter I received from XXXX XXXX  showing the freeze current as of XX/XX/2019. Also I'm including a series of emails of me requesting the freeze being removed and showing LN,  admitting that there was an issue on their side and infact the freeze was still showing. This has been going on for a couple of months. This has placed financial strain on my company, because XXXX XXXX has closed my business checking account and refunded me the money I opened the account as well as closed my Business Line of Credit. I'm enclosing both emails to LN on removing the freeze ... one will show that I responded to LN that I will be filing a complaint against them and one shows me just recently requesting and update and again they repeated the same lie as in the past. Note on that email correspondence at the bottom, that they categorized it as closed. So what does that mean, closed. This mis handling of my account has caused me financial harm and weeks of wasted time trying to get this matter fixed. I want this matter resolved immeadiately, or we will be taking more serious measures. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I don't know if a financial credit card company can do the following or not? 

I received a credit card with a Balance Transfer Offer that I took advantage of and since XX/XX/XXXX I've had the same Minimum Payment Percentage for my monthly bills until this month. When I received the card and its documentation, a specific Minimum Payment Percentage was stated. My {$0.00} APR Balance Transfer does not expire until XX/XX/XXXX. However, the Minimum Payment Percentage doubled this month. Are they allowed to do this? 

Also, I typically pay the same amount every month from the 1st statement on, which is typically more than the Minimum Payment. I do not typically look at my statements monthly because I did not know that they could change their process or the Minimum Payment requirements. Luckily, I did look at this month statement or I would not have met and paid the new Minimum Payment. Balance Transfer Agreements specifically state that you have to meet the Minimum Payment or the {$0.00} APR Balance Transfer Agreement would be null and void. Changing the billing process in the middle of the Balance Transfer Agreement, seems a little predatory to me where they might get a certain number of participants mistakenly missing the increase and therefore, breaking the original Agreement. They told me that the information regarding this change was emailed, but I can not find any notification of it. 

If they are allowed to do this, I guess I do not have a complaint. 

However, it doesn't seem fair that they can change the Minimum Payment Percentage during a specific Balance Transfer Offer Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
False Certification - Ability To Benefit Application - Denied - XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
1 ). TIAA used incorrect figures to determine my escrow. Additionally, they claim they paid {$200.00} more than the county shows they paid. they did for both XX/XX/XXXX and XX/XX/XXXX tax payments. XXXX County shows tax payments recvd of {$4400.00} each year for XX/XX/XXXX and XX/XX/XXXX. However, TIAA has escrowed and charged me {$4600.00} for XX/XX/XXXX & XX/XX/XXXX. Where's my {$400.00}? 

I have repeatedly asked them to re-do my escrow and they respond by telling me their numbers are correct. However, they aren't correct. The payments being received by my county are clearly listed on the XXXX county property tax website. How do I get them to stop overcharging me and refund my money? 

2 ). There is no way to contact this company. They are supposed to be available until XXXX at night to take mortgage support questions, however, whenever I call after XXXX there is no one available to take my phone calls. They say they will call me back after XXXX the next day, but that hasn't happened once. They only attempt to return my phone call early in the morning when I am at work and can't take the call. I need an e-mail address or an after hour phone number to call where someone can actually answer my call and resolve the issue. Their support hours are clearly indicated on their website, however, they don't honor them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MO

Complaint narrative:
On XXXX XXXX XXXX with AAG emailed me a reverse mortgage loan # XXXX. On XXXX and again on XXXX, I sent XXXX emails with several questions on this loan. I never received any communication from AAG until XXXX by a phone call from XXXX XXXX  XXXX with AAG. XXXX XXXX told me XXXX XXXX was promoted within AAG and this is the reason XXXX did not reply to me. This is not true since XXXX now works with another company. XXXX   XXXX stated that my original loan was not approved, but then later on was approved. XXXX XXXX ran a credit report on me on XXXX while promising to send me the loan documents this same day. But, XXXX XXXX tricked me, and stated that I must first signed up for and pay for the Counseling Course, before he would send any loan documents. I called his supervisor XXXX XXXX. XXXX told me the same thing as XXXX XXXX. XXXX is not licensed in Missouri. On XXXX, I emailed XXXX my concerns about this trickery. Later on this same day, XXXX XXXX emailed me the new loan # XXXX. On XXXX, I missed a phone call from XXXX XXXX. On XXXX, I emailed XXXX XXXX with several questions concerning this new loan. On XXXX, XXXX XXXX sent me an email stating that he would address my 'questions by phone call only ' ; and 'we had management approval to lower the margin, unfortunately, the concession is no longer available '. XXXX XXXX is high pressured, very confusing, and he has lied to me, and now I guess XXXX   XXXX will no longer communicate by email, and will no longer honor this loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened an account with Citi bank on XX/XX/XXXX with an offer of receiving {$400.00} ( Promotion number XXXX ) within XXXX months of opening account opening. Spoke with Citi several times during XXXX and they advised me that I should wait, but I definitely should expect the money within days. I was sent a document from Citi on XX/XX/XXXX that I need to fill up a XXXX document and should expect my money right after. I mailed the letter, then I called Citi to confirm its receipt, they acknowledged that they received it, everything is fine, and that I should expect the money in my account soon. In XX/XX/XXXX I was sent the exact same document ( attached ) telling me that I need to fill a XXXX and mail it to them even though they already have it. 

It is worth mentioning that I am an international  XXXX from a tax free country ( XXXX ) and do not have an SSN.

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