vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am very concerned and alarmed NAVIENT accounts show up more than 22 times on my consumer report and is inaccurate and are not validated. I have tried several times to contact NAVIENT in which they always respond they will correct and remove this but never do.

I spoke several times with reps from NAVIENT ; explaining there are several accounts on my credit report from NAVIENT that are inaccurate and some accounts do NOT belong to me.

USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all NAVIENT accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed by someone named " XXXX XXXX '' using the email XXXX to communicate with me via email and using XXXX as their XXXX account email to sell me a XXXX XXXX XXXX. They had the breeder " XXXX XXXX '' from the company I applied to adopt a dog at XXXX XXXX XXXX contact me first because of XXXX regulations that if you can't take care of a dog to send it back to the breeder. They then asked me to sign a contract and send them {$500.00} via XXXX as a deposit for the puppy. I then sent them the money and haven't heard back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very concerned and alarmed XXXX accounts show up more than XXXX times on my consumer report and is inaccurate and are not validated. I have tried several times to contact XXXX in which they always respond they will correct and remove this but never do. 

I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
XX/XX/2021 I receive child support benefits through the state of Oregon on a U.S. Bank Visa ReliaCard. 
On XX/XX/2021, I attempted to use my card to buy groceries and it was denied. I was shocked because I had nearly {$7000.00} on the card. I had been saving as much as possible to use for my daughter 's XXXX. 

I immediately called the number on the back of the card and after many tries and hours got through. They said that {$1900.00} had been transferred from my debit card to a bank account, not once, not twice, but three times within 10 minutes on XX/XX/2021. The following day, XX/XX/2021, {$700.00} was transferred to the same account. They then directed me to the fraud department and took me through cancelling the card. 

It appears someone had set up an online account in my name. They may have used the email address XXXX to change the pin, etc. That is an email address I have never seen, had, or used, nor do I have access to it, but when I accessed the account online that was the email associated with the account. It had apparently been changed from my email and no one ever informed or checked with me to insure I had made the change. I dont know what phone number is associated with the card, just that it is not my phone number which was rejected as being associated with my card. 

I did not make or authorize these transfers. My card was not stolen. I did not give my card information to anyone. In the nine years or so I have had the card I have never made a card to bank account transfer. I would think that these huge transfers within minutes of each other, along with personal information on the account being changed would have triggered the fraud triggers U.S. Bank is said to have in place, but I guess they did not. 

I filled out all the required fraud paperwork on time and properly. I can show my bank accounts, credit report, anything. The dispute claim number is XXXX. 

I received a letter today dated XX/XX/2021 from U.S. Banks Prepaid Dispute Resolution stating there was no error and that my child support account would remain at {$0.00}. The investigation was done extremely quickly, and I have no way of knowing what it consisted of. I would hope that when a childs welfare is on the line, a little more care would be taken to get this right. Someone stole {$6400.00} from my XXXX XXXX and U.S. Bank literally hung up on me when I tried to calmly get more information.

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 2021-08-01 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:
I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

FCRA USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

FCRA USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had fraud on my edd account in the amount of {$23000.00} I first applied for our and nothing happened and it was too much a hassle so I went out and gained legit employment at XXXX XXXX Covid pandemic caused hours to be cut at XXXX and I was let go. At that time I immediately applied to get my unemployment benefits. That is when I found out that bank of America sent a debit card in my name to XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX CA XXXX. I have never known this address nor is it associated with me. So while I was certifying every 2 weeks the people who live at this address were busy spending my edd benefits. B of A has had my money froze since XX/XX/XXXX when the closed the account. I found out about all this in XX/XX/XXXX. Thats is my money and now bank of America c a is telling me that I am responsible for this money. They gave provisional credit to me and debited it back out within one hour. This is crazy and is now causing unbelievable hardships. I've had a XXXX XXXX and be hospitalized 3 times as a direct result from the stress of all of this. I need to get my rightfully due benefits immediately. I no longer have my benefits sent to a incompetent and of America I get paper checks directly. Give my money back bank of America. Now

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 2021-08-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from Equifax and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : Equifax XX/XX/2021 XXXX  : XX/XX/2021 XXXX  : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Paypal Holdings, Inc

Complaint narrative:
I'm a XXXX. Through PayPal I received my salary. This XX/XX/2021 I received an email from PayPal says that my account was permanently limited. My money was hold there amounting XXXX pesos. I have to wait 180 days for me to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A corporate manager contacted me. I could not, for the life of me, understand how he was pronouncing his full name! My XXXX XXXX couldnt even transcribe the voicemail. This man never returned my phone call ( s ) to help me resolve anything! Hes honestly XXXX, XXXX and frightened of my XXXX XXXX XXXX. Thats discrimination! And yes, after anymore days and nights go by, I told this man to XXXX  himself! Umm hmm! Id do it again too! Corporate XXXX! XXXX  about Bank of America. I cant go into one ever again? OH NO! Ill try to pick up the pieces of my life. I mean there must be support groups for people whom were rejected by crappie banks? B of A PLEASE!

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 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
If you refer to my complaint XXXX, I indicated that First Bank Puerto Rico made several failed attempts to pay my hazard insurance from escrow as they are required to do so. Once of their checks to the insurance company was returned because they issued a stop payment because they thought the check was lost and decided to pay by corporate credit card due to the fact that my insurance lapsed. 

To add insult to injury, they are imposing a NSF fee of XXXX for THEIR returned check. Not a check I sent. 

I have attached the letter regarding the NSF fee and escrow transaction history indicating the failed attempts to pay insurance, the credit card payment and THEIR returned check that they sent from my escrow. 

As you also may notice, I have several complaints against First Bank Puerto Rico and also counted 68 complaints, some very similar in nature from other consumers. To that point, I ask what is the role of CFPB because don't see any sanctions or penalties from any of my complaints or the 68 others? 

Does the CFPB really " protect '' the consumer? It appears that the CFPB is allowing First Bank Puerto Rico to abuse many consumers including myself with their sheer incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX  and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : XXXX  XX/XX/2021 XXXX  : XX/XX/2021 Experian : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.

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 2021-08-01 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Entered into a forbearance due to financial difficulty with citi bank XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.

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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Entered into a forbearance due to financial difficulty with XXXX XXXX  XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.

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 2021-08-01 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: VA

Complaint narrative:
Entered into a forbearance due to financial difficulty with XXXX XXXX  XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: PA

Complaint narrative:
I keep getting phone calls on bills I do not know owe.. and not even in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
I need my card to be activated today! I have been extremely inconvenienced! I have been hung up on multiple times by XXXX. I have been put on EXORBITANTLY LONG WAIT TIMES just to be HUNG UP ON by the NAVY FEDERAL REPRESENTATIVES! The supervisor, XXXX, DID NOT listen to me as a valued customer! I was told that my card would be temporarily activated by a specialist named, XXXX. Then I was transferred to XXXX, who put the restriction on my card! XXXX, then said I will have to wait 24-48hours for it to my email to be reviewed!! How am I suppose to eat without having access to my debit card!! I am extremely upset and dissatisfied with Navy Federal Credit Unions customer service!! I will submit the letter! However, I need my card today!! This is ridiculously unforeseen circumstances!! I have been banking with Navy federal for years and this is my first experience be so neglected by this company that is suppose to be for service members and their families!! How can this issue be resolved? I am requesting XXXX, the Supervisor, be put under investigation!! I spoke to XXXX, XXXX, XXXX, and XXXX! Who all neglected me as Navy Federal Customer!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime banking suspended my account and they won't say in detail why other than suspicious activity and they had me resend my legal documents to verify my identity. I did what they asked and haven't got a response back and it's been past the 48 hour mark. I call and I'm told the same thing to wait on them and they will respond but they haven't and this is causing me alot of problems like my car has been cut off for lack of payment, therefore no way to work, no food at home and I have children and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX, BJSCLUB, XXXX accounts were all payed off and closed,,, with the exception of of my BJ 's card it has a {$84.00} listing when this card was clearly denied when I received the card, the card was sent back and this should show as deleted,,,, all of them shouldn't remains on my credit report all this stuff is expunged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I just need help all the way around nobody believes me that stuff is not me

Company response to consumer: Closed with explanation