vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal placed an account hold on my count back in XXXX which wouldve made the account hold 180 days before I can receive the {$990.00} in my account it has been well past 180 days and with the coronavirus I understand that staffing is limited. But I am in need of this money since I am out of work and they have held my money for well over 180 days telling me tooAdd a bank account to the account and everything should be fine and thats not the case my old bank account is on file and that account should not be used I am requesting that PayPal or mail me a check for the full balance due to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. For the past month they have been giving me the runaround and Im tired of it I have a family to feed and I am in desperate need of the money that is mine not theirs are they willing to pay me interest or do I need to take them to small claims court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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:
Negative Accounts and Inquires on my credit report that I have no knowledge of. I have attached a few PDF files

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 2020-04-22 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: West Central Texas Collection Bureau
State: TX

Complaint narrative:
In XXXX I received notification via my credit report that I had been sent to collections through West Central Texas Collection Bureau in XXXX Texas for a {$110.00} bill that I never received from XXXX XXXX XXXX XXXX. I contacted the collection agency and explained that I am a XXXX veteran and any bills should have been sent to the VA and that I had never received one. They gave me the information to contact XXXX XXXX. I contacted them and a young woman said that they would take care of it right away. Two months passed and it was still on my credit report. I contacted the collection agency again and they sympathized with me agreeing that what the XXXX XXXX   did wasn't right. I called rXXXX XXXX again and got a different representative. I explained the situation again and she said that the other person I talked to previously at radiology associates didn't have the authority to agree to remove it as they had. I explained that was a them problem and not a me problem as it was improperly billed. They argued that it was filed under private pay. I have not ever been private pay in an ER in my life so that didn't make any sense. 

I reported this to all 3 credit bureaus on XX/XX/XXXX and XXXX and XXXX removed the charge. XXXX did not. I refiled again on XX/XX/XXXX with XXXX and they did not remove it. I filed again on XX/XX/XXXX when calling about why it hadn't been removed and they said I needed to file another complaint. That confirmation is attached to this complaint. 

My credit is being held XXXX for {$110.00} for a bill that I didn't receive, and shouldn't have received because it should have been billed to the Veterans Administration. They tried filing it with the VA and they denied it because it had been so long. I have attempted since then multiple times to contact West Texas Collection Bureau but their phone numbers listed on their website ( XXXX & XXXX ) automatically hang up after you dial them on my cellular phone. I attempted to use the phone number listed for them on my credit dispute ( XXXX ) and it comes back with call can not be completed as dialed ). I tried using their contact page to send them a message and get an error back. 

I am unable to discuss this by any of the above means and no longer live in the geographic area to stop by their offices. I am requesting that this be removed from my credit report. A XXXX vet should not have his credit held XXXX for {$110.00} when they followed all normal procedures at the time of service, since then trying to get this resolved, and now not able to reach the collection agency that has forgave this debt with two other credit bureaus.

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Due to the COVID-19 the federal government sent provisions to mortgage companies to help customers who can not afford their mortgages. My mortgage company is asking me to pay over XXXX dollars in three months that is setting me up for failure. I believe the payment supposed to be deferred and they are refusing send the payments at the end the mortgage term. Company name is XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello, I tried getting my free credit report. However, they were unable to provide it. Instead, Transunion directed me to 'verify ' my identity which included putting my credit card in. They charged me {$25.00} and {$30.00} subsequently without notifying me. I still do not have my credit score.

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX XXXX XXXX is reporting an outrageous & erroneous debt on my credit file that I do not owe. This debt was {$300.00} and now it's reporting a debt of almost {$6000.00}. This is erroneous! I don't understand where this balance came from and it needs to be removed off my credit report. I do not owe this debt and I will be seeking an attorney if this is not fixed.

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
According to the fair debt collection practice act you have thirty days after receiving a collection notice that I received on XX/XX/2020 to write for validation of mail i sent certified letter on XX/XX/2020 swrs collection agency did not validate debt and put the debt on my credit report unverified this is violation of federal law and must be immediately removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: N.A.R., Inc.
State: UT

Complaint narrative:
North American Recovery is reporting a few accounts on my credit file that I do not owe. Also, they are double reporting the same debt with XXXX XXXX XXXX XXXX. This is a VIOLATION per the FCRA and two companies CAN NOT report the same debt on my credit file. These debts need to be removed off my credit file. 
Acct # 's - XXXX XXXX - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to Equifax and 1 to  XXXX. I did not authorize any such requests. 

Equifax received Inquiries from - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX received an inquiry from - XXXX  XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both Equifax and XXXX ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
The service provider, TransferWise - charged my account and has not provided funds. It was a transfer from XXXX  debit card to TransferWise to allocate funds into one banking account. As a consumer, I thought it is easier to manage one account vs. two accounts. In essence, I chose TransferWise to utilize a service called " XXXX Account '' that comes with a Debit MasterCard - to carry my funds as they provided lower rates and extra tools when you use their banking services. 

I transferred over {$2000.00} from my XXXX Debit card ( provided by nbkc ) to my TransferWise, they froze my account after my husband, XXXX XXXX XXXX, transferred money back and fourth to each other. We opened these accounts to make our lives easier and not complicated. I had them for 8-9 months without an issue until this point. 

We are not working because of the COVID situation, and they took everything from us!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX  XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. EQUIFAX AND XXXX  ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for XXXX XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I contacted Capital One XX/XX/2020 to extend my Auto loan payments for two months based on Covid-19. The company denied the request stating that this option is not available and offered a due date  change, however advised that interest in the amount of {$920.00} would need to be paid throughout the the life of the loan and/or added to the end of the loan to process the due date change. 

In light of the pandemic I was shocked to learn that the company is not assisting customers to prevent economic pitfalls or damage to ones credit, rather the only option available ( a due date change ) added additional interest to the loan causes additional hardships. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: UT

Complaint narrative:
I was charged a late fee for " nonpayment '' of a {$0.00} ( XXXX ) dollar bill due on XX/XX/2020. 

My monthly payment occurs on the XXXX, and I have autopay set up. On XX/XX/2020 a " Late fee for payment due '' of {$25.00} was charged against my account. 

I have attempted to contact BofA, but they have no way to contact them reasonably. There is no way to contact them online while logged into my online banking account, they do not have chat, they do not respond to twitter, and the phone lines were projecting almost 2 hours of hold time.

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 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
During the week of XX/XX/2020 - XX/XX/2020 my checking account with Navy Federal Credit Union was hacked into and {$1600.00} was stolen from me. I tried reporting this information to the Navy Federal Credit Union but they keep telling me after a thorough investigation on our side we have determined that no error has occured. I have even provided them with a police report and a schedule for when I was at work but an associate connected to the investigator from Navy Federal Credit Union has told me that they now need some new information other than what Ive provided them to prove my innocence. I dont know what else to provide them so thats why I am seeking help from you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SinglePoint GI
State: CA

Complaint narrative:
I keep getting calls from this number ( XXXX ) XXXX, saying they are calling from general revenue corporation to collect a debt. 

I know I was behind on payments, but I had just received a letter from the school asking if I wanted to apply for a deferment, due to my income. I signed the letter and sent it back. About two weeks ago, I was still receiving that I had an amount due, so I made a payment of {$170.00}, so I can catch up on  the {$1400.00} I owed. I then later on kept getting calls from this number, which I answered and they kept asking for my birthday to verify identity, but I felt uncomfortable giving them that information since I had no information about them, or made payments through them before. Right after I hung up, my mom calls me saying that a company is calling my uncle asking for myself, and my husband. The number that called my uncle was ( XXXX ) XXXX. I found this very rude, since I do not want any of my family members receiving calls about my business! I don't even have my uncles numbers, so Im wondering how did they have that information? Also my uncle said they mentioned my husband in the phone call, and I have never given any information about my husband in any paperwork for my debt nor my uncles. I went online to check on XXXX since that is where I make my payments, and it says I have no payments due as they are extended until XXXX of 2020, BUT this company continues to call me while I am at work. Yesterday, XX/XX/2020 they continued to call my uncle asking for my information, as well as disclosing I have a debt with my student loans. That is information I don't share with anyone, not even my parents so I don't think they should be sharing it with people who I have very little connection too. 

I am tired of receiving these call

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been trying to get my Child Support Card replaced as it was lost during a recent move. I have called the Bank of America Child Support card line but i am being redirected to do everything online.  When i stay on the line to speak to a representative, which is what it says will happen, i am told by their automated system that their call volume is too high and to call back later. I have tried to called back 10 times in the last 3 days, at different times of day, etc. I even tried to call the AZ Child Supoort office and they said Bank of America handles all the cards. EVERYTIME i have called, it says call back later. 

Unfortunately, i cant access the online account because i dont have my card number and the system requires me to have that in order to access the online features. 

So i am sitting here without access to those fund, with no way to report the card as lost, and im being kicked off the line b y bank of america after being the phone for 10-20 minutes waiting for a representative. 

I need someones help here and i need a new card and/or access to my online 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 non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
My boys are both students and they have Federal loans and private loan with XXXX XXXX, MN Self Loans and Sallie Mae. 
Now, with the Covid-19 situation every institution tries to make payments easier on the borrows. 
The Federal Student Aid announces : all payments will automatically stop from XXXX and the interest won't be added to the principal balance during this time. 
XXXX XXXX ( private loan ) announces : we are not required to make any payments for 3 months during the period of Disaster Forbearance and no interest will be added to the principal balance during this time, and if we were enrolled in auto-pay, which we are, we will continue to receive the auto-pay discount during the Disaster Forbearance. 
MN Office Of Higher Education announces : the interest on payments has been reduced to 0 % from XXXX and also they postpone payments up to 6 months. 
Sallie Mae was the only institution which announces : payments and auto payments will be suspended from XXXX but ... 
we are responsible to still pay the interest during this time ( which is very high ) meaning, interest still be added to the existing balance. 
and one more thing ... '' Any interest rate reduction tied to auto debit payments ( which we have ) may be suspended during a forbearance ... '' This means we still make payments since we don't won't to pay more interest then we already pay, in simple works ... they did nothing!!! for the borrows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have taken out several loans before with Check N Go. It has never been a problem paying them back, even with their exorbitant interest fees. 

The COVID19 virus has hit me hard and I have been temporarily out of work. CnG calls me numerous times throughout the day harassing me for payment. I paid back every penny I borrowed, plus hundreds in interest. I owe only interest still per contract. They know I can't work and they refuse to work with me. 

There are daily calls from hyper aggressive employees who apply high pressure tactics. 

The amount I borrowed is {$3000.00} and the amount I have paid back is about {$5000.00}. They said I still owe about {$2500.00}. I am having a hard time dealing with my current financial situation due to the virus and I have asked CnG to work with me. They simply will not hear it and have became increasingly aggressive with their collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
Not my 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 2020-04-22 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: NY

Complaint narrative:
Not my 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 2020-04-22 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: NY

Complaint narrative:
Not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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