vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a unauthorised charge on my chase business account. The charge was XXXX dollars. I contacted chase and they gave me a XXXX temp credit. They claimed the company changing provided all the proper information for the charge and then took the credit back leaving a charge of XXXX on my checking account. Now chase has cut workers during this pandemic so it's a minimum 50 min wait on hold to talk to a person. So i use their message system. Now the merchant who charged has claimed they reversed the charge and have nothing? Contradictory to chase bank, now chase is saying there was no money taken from my account? I only have the 3 charges and credit to equal - XXXX in my account. Basically my money is gone. They are highly incompetent and take days to Respond and never give details. They have cut staff and continue to avoid answering where my money is at! They have held my money in one way or another since XX/XX/XXXX!!!! They are profiting off this pandemic by basically withholding money and making it very hard to contact them, they are a bank and should have no right to play with peoples money during a pandemic. I personally believe they are using this pandemic to profit from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2020 I lost my wallet which resulted in debit and credit card fraud for all my accounts. I promptly reported to each bank and each bank provided provisional credit except for bank of the west. 

I was advised that I would receive a affidavit that I would need to sign. I received this affidavit which I immediately completed and signed. This was received on XX/XX/2020. This was confirmed by a telephone banking rep on XX/XX/2020. 

I was told on XXXX that the fraud department was closed and I would need to call Back. This is unacceptable that I need to chase my own money back as I have followed Bank of the wests requests. 

I am requesting immediate and permanent credit for the transactions. Its under {$100.00}, but its the principle and the frustration of having to keep following up with Bank of The West.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
At the end of last year I decided to work on bettering my credit. While checking my Equifax reports in XXXX I discovered that there were several accounts reporting that did not belong to me. The agencies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Being that I have never heard of these companies nor I have done business with them before I asked to have these debts removed. In a letter date XX/XX/XXXX I sent this company a certified letter asking for debt validation. The company did not reply. In a letter dated XX/XX/XXXX I sent another letter stating that since the company failed to investigate my disputes in the given time frame of 30 days that they must by law remove all the debts. Late XX/XX/XXXX the company finally replied to my compliant with a letter asking for me to verify my identity which I did in a letter sent dated XX/XX/XXXX. On XX/XX/XXXX the company responded to my XX/XX/XXXX letter with the same letter that I received in XXXX leading me to believe that the company is stalling on investigating my disputes. Because this company has not made the effort that they are required to by law to service me as the consumer I feel that I do owe these debts and want them removed immediately from both of my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
The Equifax credit report listed a former address for me and I have never lived at this address. The address came up many times as an option for identity verification and I was denied access to online resources due to the inaccurate information. I contacted Equifax in XX/XX/2017requesting the address be removed from my credit report. They agreed to do so. However, my most recent credit report from Equifax still contains the address they agreed to remove. I did not recontact Equifax about this issue as it seems their follow through is not reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Agent at capital one gave us conflicting information. One said our one return payment wouldn't effect our credit report but it did since I was denied a credit increase. Previous to this payment I been on time and current for 28 months. I want to remove the derogatory remark and get a reconsideration on credit report increase. I have a prestine credit history accept this one payment. I messed up payment details by mistake. I talked to a rude agent around XXXX on XX/XX/2020 who didn't show any remorse on this and wouldn't let me authorize my husband to talk and she seemed confused on what my question was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: WA

Complaint narrative:
My CapitalOne card information was used without my permission by an unknown source, aka : fraud. The unauthorized charges totaled almost {$400.00}. CapitalOne initially reversed all of the charges and opened a case to investigate. After over XXXX months of back and forth, several hours on hold with their support and my re-issued card information also being stolen and used without my knowledge or permission, I am still being held responsible for {$15.00} of charges that I did not make. CapitalOne has refused to believe me when I say that certain charges are fraud and I am filing a complaint because they are not abiding by their card agreement and have made this situation unnecessarily difficult for me, the consumer. 
I discovered several charges on my account from XXXX, XXXX, XXXX XXXX, and XXXX brands starting on XX/XX/2020. I called CapitalOne as soon as I noticed and reported the fraud charges on XX/XX/XXXX. CapitalOne advised me that because I already had an account with XXXX and XXXX they could not report it as fraud because those companies could possibly have my card information. CapitalOne also advised me to call XXXX and XXXX and ask them to investigate those charges. CapitalOne opened a charge dispute case, cancelled my credit card and issued me a new one. 
When I called XXXX and XXXX, they both confirmed that my credit card, and address information were used to open a new account. This was done without my knowledge. XXXX issued a refund some of the charges. 
When I received my new CapitalOne credit card in the mail and activated it, the next day ( XX/XX/2020 ) I started seeing new charges from XXXX and XXXX. I had to call CapitalOne and cancel my card again and report the fraud. CapitalOne again told me that they couldnt file the charges as fraud because I have XXXX and XXXX accounts. 
On XX/XX/XXXX, I spent 3 hours on the phone and was transferred to 4 different representatives and they assured me that they were opening a new case and I would receive a letter in the mail outlining what is being done. I still have not received anything in the mail, and I tried calling their support line again on XX/XX/XXXX. The wait was over 1 hour so they said they would hold my place in line and call me back when a representative was available. No one called me back. I am now stuck in a tough situation because if I dont pay my card balance, I risk hurting my credit score/report. 
I have been re-issued another card but have not activated it for fear that it will again be used fraudulently. 
CapitalOne has been extremely unhelpful and had made this entire process unnecessarily difficult and they are taking advantage of their customers with this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NC

Complaint narrative:
Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist. Thus, I couldn't be provided with the billing and payment history.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XX/XX/2020 I sent a certified letter for verification of debt to imc credit. I received receipt debt collector signed for documentation. Creditor changed on my credit report to rmp llc. On credit report notes it says in dispute. It has been more than 30 days for response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have been asking since XX/XX/XXXX to defer payments due to covid19. I was told my loan was too new and ineligible for deferment. My hours were reduced on XX/XX/XXXX and my office closed on XX/XX/XXXX. I put down XXXX at the end of XXXX to purchase my car and made my next payment on XX/XX/XXXX. I am on biweekly payments and was unable to make a payment. I had a payment due Friday and Friday night my car was repossessed. Its going to cost me over XXXX to get my car back. I cant even put into words what Im feeling. The entire world is facing disaster. My state is under a state emergency. How was there no leniency regarding this? My balance due was {$320.00} and I was not even 30 days behind. The last four of my social are XXXX. Please. Please have someone look into this for me. I need my car. Please tell me this company can not be so heartless to repossess anyones vehicle during this time? Ive been calling twice a week sinceXX/XX/XXXX XXXX. Im reaching out with genuine sincerity in hopes of resolving this issue and getting my car back without suffering the outlandish repossession fees. Please help. You should feel ashamed. A human made the decision to take my car from me. How incredibly disheartening. # XXXX  # XXXX  # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # covid19 # coronavirus # repossesion # wheresmyeconomicassistance # XXXX  # thieves # covid19unemployment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: CURO Intermediate Holdings
State: CO

Complaint narrative:
I paid off my loan with speedy cash and it still says its open but XXXX paid off its showing as a negative impact on my credit and dragging it down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: Conn's, Inc.
State: CO

Complaint narrative:
I have a conns account i am paying monthly on it i was told i did not have a payment due for XX/XX/XXXX and i did not get any calls for XX/XX/XXXX i started getting calls every day iin the beginning of XX/XX/XXXX stating my account was past due i talked to a rep and he told me what i needed to do to call back on the XX/XX/XXXX and make a payment and request for a forgiveness so it would lower my payment and it would bring my account current, So i called back made the payment he stated my account was current the payment was made for XX/XX/XXXX, and XX/XX/XXXX i wouldn't have a payment due until XX/XX/XXXX, ok so a couple days after i was getting harassing calls EVERY DAY EVERY HOUR saying my account was past due, i would tell he rep the same story every time, they always said they fixed it this went on for about two weeks and every time it was fixed but apparently it wasnt so i finally asked to talk with a supervisor i talked to the supervisor and he hung up on me, then i finally got a hold of another one who said he took care of everything and my account is current and they will submit for it to be taken off my credit, That was a month ago and its still showing on my credit as being late but now it says its late 5 month!!!! I have been paying every month on time i have the receipts but cant attach them its not letting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: NJ

Complaint narrative:
XX/XX/XXXX a dispute was started verbally with TransUnion regarding a line of credit bank account that has been in default since XXXX. This account was transferred from one bank division to another with a different address and is now being reported as 2 separate charge-offs instead of 1 old one. One bank address only shows the last 5 digits of the account number while the 2nd bank address shows the full account number. It is only one account split into 2. One says paid in full/was a charge off and the other shows unpaid balance. Both are reporting different closed dates. 
This reporting as 2 charge-offs, one of which appears as if it happened recently instead of almost 7 years ago has caused serious damage to my credit report, dropping my score by over 100 points! I dont understand how 1 account can be split and reported as 2 after over 6 years when they have the same account number.

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 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo said they were going to compensate me with {$3900.00} for bank fees for three accounts from XXXX. 
They also caused a banking error in XXXX with bill pay causing 10 percent penalties on property tax payments. 

They never did. 
They also charged fees in my joint account ending with XXXX -- over {$600.00} in about 8 months after they recoded the account. 
I have a balance on my HELOC over over {$100000.00} and thus I do not pay fees based on my household. 

The bank owes me thousands which only partially resolves the issues I tried dealing with XXXX XXXX XXXX Branch manager about this to no avail. 

I also have problems with XXXX XXXX in the mortgage department not being helpful with loan modifications that he promised in XXXX. In particular the HELOC should be below 3 percent and they also need to retitle the parties to singular from joint

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 2020-04-12 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:
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC has to be made. 
So I'd like to ask for you help to resolve this issue and restore my credit reputation. 
Thank you.

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 2020-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
Our former mortgager XXXX XXXX transitioned to our new Mortgage company Mid America Mortgage at the end of XX/XX/XXXX. I received a letter from the new mortgage company stating that they will report our mortgage as current in 60 days which would have been the end of XX/XX/XXXX. It is XX/XX/XXXX more than 90+ days and they are still not reporting our mortgage payments on our credit report. This has effect our credit and ability to refinance our home. I am told when a mortgage is moved over to another servicing company they have 60 days to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I filed a complaint on XX/XX/2020 ID # XXXX and Navy Federal Credit Union has once again locked down my account and I have to contact their Security office. I was trying to deposit 3 more paychecks, had a total of 6 waiting on deposit, since they will not allow the deposits to go through, they are rejected, not approved. Finally 3 were resubmitted and being held until the checks clear, since they were already deposited once, are payroll checks issued some time ago and I put a large check mark on the face of them with the date I first mobile deposited them. Since that time 3 more paychecks have been acquired and held because of the rejection of the first 3, but now that the first 3 are pending, wanted to get the other 3 deposited quickly, so when they are held for a week, I will have some funds to buy food and gas. I wasn't able to make my second rent payment via XXXX for several days and only because my tax return was direct deposited, were there funds available to pay my rent. I have to make the rent payment in two transactions on two different days, but the transactions were denied on the first of the month because it took me 5 days last month to fight with the bank and get a new bank account established before they would allow me to pay the rent via XXXX, so this month 's rent was also delayed and I expect it will be so from now on, which is unacceptable. If it weren't for COVID-19 I would have closed this account and gone to another bank. As with credit unions I was referred by my daughter, XXXX XXXX XXXX XXXX who is employed at the XXXX XXXX XXXX. I am employed by XXXX XXXX. The principle person for both of our memberships is my ex-husband and her father who served in the XXXX XXXX during the XXXX XXXX. XXXX XXXX XXXX is our son and the person to whom the paychecks in question belong. I am tired of not being able to use my account and have access to deposited funds or to make deposits in order to pay my bills in this day and age, much less during COVID-19. This is entirely unacceptable behavior and I am at a loss as to how to get the funds deposited until COVID-19 is under control and I can open another account ; funds have been marked " for eDeposit only to NFCU '' as per NFCU instructions, but they are rejecting the paychecks. The first paycheck from this employer was deposited in mid XXXX very soon after I opened the account. I made that deposit in person at the desk, but every pay check since then has been blocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
Tried to use an HSBC credit card I had for a while and it would not go through. 

A week later I get a letter that says the account would be closed if I did not use the card 3 weeks ago. If I wanted to keep the card, I need to use it 2 weeks before I got the letter in the mail ... 

Then they sent me another letter ( enclosed ) that the first letter was a mistake and I could used the card NOW if I wished to keep the card. Again when I used the card it was declined. I called HSBC that weekend and of course they said once again the card was closed. 

My contention was both letters were mail fraud and a backwards paper trail of why they closed my account TO MAKE IT SEAM LIKE THEY DID NOT CLOSE IT ALREADY. 

They are just trying to close accounts ahead of the Corona-19 problem which I understand but by sending letters too late and playing games which I assume is against banking laws. Enclosed is the second letter acknowledging the first letter.

Company response to consumer: Closed with explanation