vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX MasterCard issued a provisional credit for a disputed charge of {$190.00} on XX/XX/XXXX. On XX/XX/XXXX XXXX MasterCard reversed the {$190.00} disputed charge because the merchant stated I made a reservation by phone. I provided them a letter explaining this was completely false. We drove up to this merchant 's property, inquired on room availability, was shown a room by XXXX ( General Manager ) and agreed to stay for XX/XX/XXXX and XXXX at {$190.00} per night. On XX/XX/XXXX at XXXX XXXX we checked out and paid {$380.00}. If I had booked a room over the phone I would have received a " CARD NOT PRESENT ALERT '' on my phone, my wife 's phone, and an email none of which happened because there was no PHONE reservation. I have an email showing I contacted XXXX the day I noticed the charge on my statement and she assured me she would issue a refund. I called XXXX MasterCard and disputed the charge. When I received the letter reversing the provisional credit I attempted to contact XXXX and a man named XXXX answered the phone and advised me they were closed due to COVID 19. I called XXXX Mastercard dispute number XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I sent them a rebuttal letter on XX/XX/XXXX. I faxed a copy of my original receipt on XX/XX/XXXX and still no resolution. Now XXXX Mastercard has implemented a COVID-19 procedure and you have to leave a call back number and expect a return call. No return calls received. I discovered searching the online reviews on this merchant I am not the only one to experience the thievery of this merchant. MasterCard informs me that by not paying this amount and accrued interest will ruined my credit and eventually they will turn me over to a collection agency. Please help me.

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 2020-06-18 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute with XXXX  for verification of a debt which they quickly returned with the conclusion that the debt is accurate, on XX/XX/XXXX. The debt in question is from a collection agency named Cavalry representing XXXX XXXX XXXX XXXX/XXXX  ( XXXX ) in the amount of {$450.00}. Therefore, I proceeded to contact Cavalry through written communication requesting a validation of such debt. Cavalry responded by sending a few copies of billing statements showing a balance of {$680.00} BUT  specifically noted at the bottom of the letter that states " any difference between the amount shown enclosed in the verification of debt is due to some CREDITS. '' My letter of validation was very clear and precise to the type of information I was seeking and Cavalry blatantly ignored consumer request numerous times. Cavalry refuse to send consumer original contract, list of all payments made to account INCLUDING CREDITS, copy of license to collect in the state of Texas, and when did XXXX transfer the account for collection. I spoke with a representative at Cavalry after failed written communications late XXXX  or  earlier XXXX, and the rep told consumer that they show a credit of {$200.00} applied back in XXXX but she did not have ANYTHING to send to prove what she is saying and told consumer that their office will contact XXXX for documentation of such credit. It is federal law that collection must provide proof of any amount they are reporting and should have that information available to consumer upon request. How are you reporting a debt that is {$200.00} less than {$680.00} that is printed on a billing statement they are sending to the consumer as their burden of proof? How can XXXX say that reporting of such debt is accurate when Cavalry CAN NOT provide the consumer with adequate documentation? If Cavalry can not provide ALL documentation including documentation regarding a {$200.00} credit that the consumer is not aware about, than ALL REPORTING NEEDS TO CEASE! Please be advise, the last mail consumer received from Cavalry was XX/XX/XXXX and NO documentation regarding CREDITS was enclosed ... .just old billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call from a third-party debt collector back in XXXX in regards to a payday loan from ACE advance. The third-party collector called saying that I had make payment arrangements for my outstanding debt or they would take me to court. I made the arrangement to be paid on a monthly basis. The company took 3 months worth of payments but they are now claiming that they can not process my 4th payment. They have been trying to get in contact with my employer payroll on several occasions. The last person to contact my employer regarding garnishing my pay was some by the name XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX currently in XXXX in XXXX XXXX XXXX, UT. This past XXXX I had made the decision to pay the minimum payment for my student loans. Prior to this I had consistently over paid ( to pay down interest/principle ) w/ a great overall credit score to reflect this ( mid 700 's at that time ). In XXXX I had decided to lower my payment ( to minimum payment due ) to increase my liquidity given the Covid-19 pandemic. At that point, I had several colleagues who were furloughed  and or asked to take pay cuts. I was more or less trying to plan ahead for an unfortunate event like this. To my surprise, my credit score would drop by 55+ points ( XXXX and equifax ) secondary to my loans accruing slightly ( some by less than {$20.00} ). Obviously, I had no idea this was possible or I would have over paid like every other payment. The following month, the government decided to provide for loan deferments to specifically address this problem. I would like to file a formal complaint in that this situation/event should have been prevented and by no means have dropped my credit score so drastically ( if at all ) especially during a global pandemic. To make  matters worse, I am a XXXX XXXX XXXX   putting myself at increased exposure during this pandemic to find that there are little protections against a practice like this. This has been made more frustrating by the fact that I am actively trying to purchase my first home and no longer qualify for most XXXX  loans secondary to my change in credit score. By simply trying to do the " smart thing '' and " plan ahead '' I am no longer able to achieve milestones in my life that would have otherwise been easy to achieve. I have had discussions w/ my student loan servicer ( XXXX ) as well as the reporting agencies. I've been told that as long as the information is in fact correct ( that my loans did increase slightly ) that there is nothing they can do for me. Hence, the reasoning for my formal complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America sent me notification that they have " Unfortunately '' decided to close my Visa account. This account was opened in XXXX of 1999 and had a XXXX balance and was NEVER late.

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 2020-06-18 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On or about mid XX/XX/2019 my identity was stolen and accounts opened in my name at XXXX XXXX XXXX and XXXX  XXXX XXXX. These issues were resolved. Several months later I received a bill from XXXX XXXX for over {$2000.00}. I had filed a complaint regarding my identity as well as spoke with a XXXX XXXX representative. My credit report currently shows a Charge off of this amount but states the dispute was determined to be my responsibility. Obviously, there was NO investigation as I never opened a XXXX XXXX account. They do not have my signature nor was my identity verified. There must be some one to determine who opened this account and who used the card. There are cameras everywhere and it should be simple to look up a purchase and determine who is using the card. 
I have disputed the addresses listed on my credit report 3 different times and yet they remain. I have NEVER lived anywhere other than XXXX XXXX XXXX XXXX  XXXX, & XXXX XXXX XXXX XXXX. both located in XXXX, WA. 
I need this resolved and I need a REAL investigation. People should not be able to open up credit without a picture ID & verification that the individual is the person seeking credit. The burden should not be on the consumer with these types of reckless policies.

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 2020-06-18 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XXXX of current 2020 I made Big Payments to my Car Loan on multiple transactions that added up would equal {$11000.00}. The reason being to bring my car loan down to up to 10 Months payments in order to work with my bank towards the process to purchasing a house. Those payments were received and posted on my Car Loan at Hyundai Motor Finance USA. I called several times about discrepancy on what I actually owe ( principal balance {$3300.00} ) versus my payoff balance that is reflected on Hyundai Motor Finance ( {$12000.00} ). I haven't received an email or call from Hyundai about this matter, but I have being calling and speaking with customer service about this to clear it up. This has been going on since XXXX until today XX/XX/2020, my problem has not yet been fixed. I had spoken to a supervisor in customer service, and they acknowledged that the company back in XXXX had a mayor software upgrade that might have affected my payments being in the cloud. They told me they would get it fixed within 3 to 5 business days, and today after 2 weeks I am still in the same spot, nobody has an answer for me.

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I currently have a debt owed to Sofi Lending {$100000.00}. This company calls several times throughout the day and spoofs their phone number to look like a local number with my area code. The number that shows up on my caller ID is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but voicemails left ask me to call back on XXXX XXXX XXXX XXXX. 

Spoofing is against the Fair Debt Collections Act, as they are impersonating themselves to look like a local number in hopes that I will pick up and once they get ahold of me they can try to collect the debt owed. 

I will not pay debt that is trying to be illegally collected from me. I am not disputing the debt, I just simply will not pay a company that uses illegal tactics and multiple phone calls in a single given day to try and get ahold of me. 

I have call logs to show all the XXXX numbers they look to call from and then have voicemails that they leave stating to call the back at XXXX numbers, if this evidence is needed for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MD

Complaint narrative:
After checking my credit I realized that my score constantly going down I have nothing outstanding I tried to pay down all my credit cards very low balance.XX/XX/XXXX XXXX XXXX I called Equifax to discuss my credit. Agent XXXX with id number he quoted to me XXXX came on the phone asked me how can I help me I told him I am calling to verify some things on my report. Before he verify my information he asked me where I got my score from I told him I am a victim of identity thief and as a result I do get a report monthly. he started chastising me that I need to get a financial adviser to discuss my credit. I explained to him I don't need one what I need is some explanation of my credit. And how can you just start advising me even before you verify the authentication of who I am. He got very mad start asking me some very personal question, that I have never being asked as a customer who is an identity thief victim. One question was I asked was named all the loans I ever had, Where I worked, company name, and what I do, how many bank loans I ever have or had, I answer questions to the best of my ability, he then remarked to me you have not answered my questions correctly I can not assist you. I asked to speak to a supervisor, he then put me on hold then came back saying I am the supervisor and he can not verify who I am so he cant help me. When things are reflecting my credit. which I need clarification about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I noticed fraudulent charges in my trade account with Robinhood, and i contacted them immediately. 

Someone had gotten access to my account, sold all of my stocks, and transferred all the funds out. 

I first notified Robinhood of this on XX/XX/XXXX via email. They have no number for me to call. 

Aside from asking what transactions were fraudlent and for me to proivde ID they have no responded to me since. I've continued to email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have no received any response other than an automated responses on XX/XX/XXXX saying thanking me for providing the information ( which was provided on XX/XX/XXXX ). 

I contacted their XXXX  account on XX/XX/XXXX as well asking for a number to call, but have been told they do not have any help line and that they would escalate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX Subject : Please Investigate Comenity Bank Retailers card scam To : XXXX Sent from my XXXX Hello my name is XXXX XXXX, I am being scammed by Comenity bank a credit card provider for companies The Childrens place, New York & Co. , Forever 21 and Victoria Secret. My original credit from XXXX was {$500.00} Comenity bank then lowers my limit to {$300.00} and began to charge overage fees along with late fees. I then began to pay close attention to my other cards to find that my limits were also changed on them as well incurring overages and late fees. 
I reached out to the company Comenity bank they stated that they would change my credit limit to its original limits but did not. I reached out to them again and told them I will not summit any payment until my accounts are corrected. Comenity bank credit cards has impacted my credit scores plummeted to a negative status. Im currently paying the price due to the corruption in which has affected me in detrimental way. 
I am now in debt over {$2000.00} due to the company charging overage fees as well as late fees even through COVID-19. The initial credit limits are fluctuating tremendously and the company charges major fees on each of those 4 accounts. They are not willing to correct my account and was nervous when I said I had an attorney, that is the reason Im reaching out to you. Im a XXXX  employee of 18yrs and this company is ruining my credit. PLZ HELP!!!!! 

My name is XXXX XXXX, contact info is ( XXXX ) XXXX XXXX and/or XXXX. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
It won't let me transfer any money at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a bank locker at the Bank of America location on XXXX XXXX XXXX, XXXX, CA XXXX. 
I need to access the locker to get the pink slip to sell my car. 
But they have closed the branch and when I called the central phone number for Bank of America ( it took me 500 options, and 20 minutes to reach a human being ), they were not able to tell me when the branch would open and how to get access to my locker. 

Banks like meat plants should be essential businesses and have a way for customers to access their bank lockers. 

Please help. 

Thanks. 
Regards, XXXX XXXX ( XXXX XXXX XXXX

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 2020-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I applied for a XXXX XXXX RV loan with 21st Mortgage initially on XX/XX/2020. Currently, I have not received approval due to the income requirements as stated by 21st Mortgage company as they say Im not currently within federal regulation requirements. I have 3 jobs - one is a XXXX, one is XXXX, and the third is a new XXXX job. 21st mortgage states that they can not include ALL my income as the XXXX job is too new ( I started a month ago ) and my XXXX and XXXX  income isnt sufficient as I write off my work from home expenses and they say my taxes are not meeting the guidelines. How can one build credit, begin to own a new ( first ) home, and create good equity if these income/credit regulations/standards continue to suppress those very capable of managing an estimated $ XXXX month mortgage payment? 

Please help those of us trying to better our lives by loosening the strict Financial regulations/guidelines put upon these mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Transunion ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the accounts are accurate but have not produced any documents. There is no way that these tradelines is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.

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