vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I got a call from my ex-husband, daughters saying that they a have a pkg to delivery in my name these people are calling all family members and also texting them. I do not have an account with them they said if I would pay XXXX they would not summons me to court. I called the number they are texting from and calling and I explained to them I do not have a credit card with them nor do I owe them anything they said this is from XX/XX/2014 and I owed XXXX but they will settle for XXXX. I said send me the paperwork and they said no you will be summoned to appear in court and hung up on me. the number they are calling from is XXXX and XXXX. They have even called my work threating. my ex-husband I have not been married to for 35 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2020, I received my PPP loan which I had deposited into my Navy Federal Account. I have 4 different accounts with navy federal and have always conducted my business with my personal accounts. When I applied for my PPP loan, I did not have a business account. I was using my personal account. After hearing stories about Navy Federal freezing customers accounts, I went into the branch and advised what did I need to do. I took in my docusign paperwork from my PPP as well as my application that was submitted. I also took my XXXX  paperwork which proves I do have a legitimate business. The lady advised me that I would be fine because I came and to let them know. This was 2 weeks before my ACH hit. On yesterday, after calling about something else, the rep immediately placed me on hold and told me that she was having issues with her system and placed me on hold. Soon after, a supervisor picked up the phone and advised that I needed to go into the branch, take my ID and business information and my funds will be released. Cool!!! I did that. Spoke with a member service rep and she told me that I can not conduct business out of a personal account. My response was, how can you tell me how to use my money that I make? I have had very rude experiences. All 4 of my accounts with Navy are frozen. All my money is tied into Navy Federal. I advised them that I have paid bills and I have a house payment that will be coming out as well. The lady told me that she is sorry but it will be returned. So I asked who will be responsible for it and she told me that I would. I can't understand why my accounts are being frozen to begin with. I applied for the PPP loan, I got approved. This has nothing to do with Navy Federal. I also have a family of XXXX to feed and bills to pay to keep a roof over me and my children head and Navy Federal have no concern in the world. I understand people do some fraud activities and I respect the verification process, however, I verified and proved that I have a legitimate business. If Navy Federal had any stipulations with PPP loans going into a business account, then they should have noted that on their website advising their customers. This money was giving to me to keep my business running. If I don't pay my building fee, then I am going to lose what I have worked so hard for all because Navy Federal is indulging into something that has nothing to do with them. I am livid. Every time I call it is always, well we have to verify. The company did an ACH, what is it to verify.This is my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
There are several reported fraud instances on Chase Freedom card dating at least from several years ago. None of these instances have been resolved. Some charges may not have been correctly documented by Chase. I have contacted Chase fraud MANY times over and have spoken to someone in the executive office and still no resolution. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Fifth Third mobile banking app does not always show customers an accurate amount of available funds in their accounts after purchases and this causes customers to overdraft their accounts when they make more purchases or transfer funds between their accounts. 

I made an online purchase using one of my checking accounts and then transferred the remaining funds in that account to my credit card account but my checking account became overdrafted because the Fifth Third mobile banking app did not show me an accurate amount of funds available after my purchase. 

The Fifth Third mobile banking app is absolutely terrible and every other day or two customers are unable to login because of technical issues. Fifth Third bank needs to be ordered to shut down their mobile banking app completely and give customers back the money they was unfairly charged in overdraft fees because of banking errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was not receiving my credit card statements via email. I rarely use this card and typically pay for the charges same day. I sent email screenshots showing I didnt receive statements and also my statements showing every time I use my card there is a late fee. This is due to me not getting the statements. They finally called me in XXXX, I paid the balance and asked them to remove some of the fees. They did, but refused to remove the late fee from my credit. I have been with them over 10 years and never once late. During a national pandemic where some people can not pay their bill Comenity bank aka Children 's Place put a late payment on my credit report. However I am certain they will not do that for the people who can not pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is my 3rd complaint filed against. Bank Of America. I am simply asking for fairness and the removal of the explanation of paid after charge off! Both precious complaints explain and prove that I was a victim of fraud and that BOA agreed to my a payment plan and promised to report as paid ( due to the circumstances ) but then instead of reporting as paid they left the negative mark in my credit! The first complaint was filed by an outside party trying to help me and was closed after BOA said they werent sure it was actually me : though it included police reports as proof of what happened. The second complaint was filed in XXXX and is STILL open. Not only am I disappointed in BOA, I am crushed that during these difficult times small business owners like myself can not get simple fairness. Those of us who work hard and have a track record of paying our bills should be given the benefit of the doubt when something like fraud happens! The number of my open complaint with all details is XXXX I would appreciate a swift removal of this negative mark on all of my credit bureau scores so that I can move forward! 

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 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: SD

Complaint narrative:
A collections account showed up for overdue XXXX bill once before. It was removed after explaining I have never had XXXX service and have never even lived in an area where I could get XXXX service. Now either the same or possibly different collections account for a XXXX service is showing on my credit report and score again. I will repeat that I have never signed up for XXXX service. My personal information has been leaked several different times including by the VA. My guess is that someone used my personal information to sign up for this service, also known as identity theft. Please remove this account from my credit report and also let the collection company know that they will not be able to collect on this fraudulent account. I would also ask that they do not resell the collections account so that I don't have to go through this a third time for the same fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had an American Express Business Gold Card that according to the statements gave two options for payments. 1 ) Pay ENTIRE balance at the end of the statement or 2 ) PAY OVER TIME and incur an APR of 29.24 % with a minimum payment of {$35.00} per month. I began using my PAY OVER TIME option in the middle of 2019. I never paid less than {$100.00} many times more than this. Shortly after doing this, I started to receive collection calls and I explained to them I could NOT afford to pay the entire balance and therefore was using the PAY OVER TIME option on my account and it was clearly written on the statement ( so I thought ) that IF I did NOT pay the entire balance at the end of the statement I would incur interest as had I paid the entire balance at the end of the billing cycle I would NOT incur interest. The collection call was never clear as all the calls are outsourced. I then started receiving collection third party calls and they forced me into a payment arrangement of which I accepted in the amount of {$140.00} per month of which is automatically drafted every single month for over 6 months now. I receive a statement from AMEX monthly showing that the payment is being charged and all I needed to pay was {$35.00} min payment, yet was forced to pay the {$140.00} monthly. In addition to this mandatory payment they are charging interest of 29.24 % on top of the {$140.00} monthly and the interest they are reporting they are reporting this as a CHARGE OFF every single month and it is ruining my credit and I have tried to dispute this with them through the credit bureaus and they have made this worse! It is incredibly misleading. Please help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-06-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently obtained a copy of my credit report and it appears that Equifax and XXXX  are not reporting any trade line history. Only XXXX  is reporting any credit history on my behalf. I have contacted both Equifax and XXXX  and they can not find any identifying information on my behalf in their system. This is very concerning because there are fraudulently items being reported on my credit report by XXXX. I have attached a copy of my drivers license and social security card for reference. Please review my credit report and include credit history for both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account # : XXXX RE : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for Transunion shows XX/XX/XXXX and the " Date Last Active '' on XXXX  is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90 days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/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 2020-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC
State: GA

Complaint narrative:
I applied for a loan XX/XX/2020 and started submitting paperwork to the lender. After submitting all my paperwork the lender began reviewing and stated that my DTI was too high. I called and asked for more information and uncovered that 2 sources of income were not included in their calculation so I asked that it be corrected. After that conversation on XX/XX/2020 I have been unable to reach my loan officer. I spoke with her manager and was assured that it would be corrected but I have still struggled to get information from the company. At this point ( XX/XX/2020 ) I am seeking other lenders for my loan because I am unable to get access to anyone at the company who can help me. I was told the loan would close in 7-10 days from application clearly will not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 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: MO

Complaint narrative:
I recently obtained a copy of my credit report and it appears that XXXX  and Experian are not reporting any trade line history. Only XXXX  is reporting any credit history on my behalf. I have contacted both XXXX  and Experian and they can not find any identifying information on my behalf in their system. This is very concerning because there are fraudulently items being reported on my credit report by XXXX. I have attached a copy of my drivers license and social security card for reference. Please review my credit report and include credit history for both XXXX  and Experian.

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Ph # XXXX Firstsource collection Co. continues to call my place of employment and disrespecting the staff and discussing my personal information about my account to other employees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Reported back in XXXX / XX/XX/XXXX and this matter is still unresolved. I was approved for a Loan modification with payments starting in XXXX XXXX/ XXXX XXXX XX/XX/XXXX. The modification I was approved for was 3 months @ {$1600.00}, which XXXX XXXX PHH never honored. My first payment was cashed for the XXXX of XX/XX/XXXX with excess taked from suspense to make a mortgage payment of over $ 2K which was not what I was approved for. As I am reviewing the XXXX statement the check for XXXX 's payment was cashed and placed in suspense.???? Why, beats me PHH can't apply payments correctly to what I was approved for. My XXXX 's payment was shredded and never cashed. I am filing a complaint with the DFS in New York State and the XXXX XXXX XXXX  of New Jersey and New York. THE XXXX  PHH MORTGAGE SERVICES OR XXXX XXXX  NEEDS TO BE BASHED FOR THE MISTAKES THEY MADE FOR THE SECOND TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Barclays card services ( XXXX ) protesting the refusal of XXXX XXXX to grant me a refund for the flight that had been cancelled because XXXX XXXX closed its borders because of Covid-19. 

Also on XX/XX/XXXX the very day I filed my protest, The US Department of Transportation ordered all airlines to offer a refund of Covid-19-cancelled flights. I sent Barclays the link for the order on XX/XX/2020. 

Barclays granted provisional credit for one ticket only. I advised them on XX/XX/XXXX that there were 2 tickets @ {$430.00} XXXX each for a total of XXXX. They did nothing to revise the amount of the dispute. 

In a letter dated XX/XX/2020 Barclays removed the provisional credit and reinstated the charge for the one ticket. They told me that because the contract terms between the consumer and the airline provides only for a credit that, the merchant bank did not have to honor the refund. I told their representative XXXX, by phone today that this ignores the order issued by the DOT. She said that they don't consider anything but the contract. I believe the DOT order supersedes the language of the contract. To date they've done nothing about it.

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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX cash app has locked my account due to suspicious activity they stated i would access to my accoint in 24 hours and i contacted support everyday after by email and my account has money on it that i can not access i get no support response from them

Company response to consumer: Closed with explanation