vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Due to years of identity theft this account was impersonated by a scam caller I called me, lied about owning a business and actually had me give my banking info from a fake listing on XXXX for a job opportunity. They then put a false goverment issued falsely printed check into my XXXX XXXX account. I addressed the issue with Capital XXXX bank XXXX Portfolio Recovery XXXX XXXX ON PAPER! XXXX XXXX my XXXX checking account and terminated my XXXX line!! Ridiculous. I explained the situation they still deleted my account, closed my checkings and still after being removed 2 times already between all XXXX buraeus by my use of XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: FL

Complaint narrative:
Since I opened my new account, someone has hacked my account making or reproducing similar transactions depleting my account. 

XXXX transaction in particular will validate this statement, and many others. 

Someone has illegally wire tapped my home Hacked our internet, computer, and cell phones. Getting into bank accounts and IRS XXXX, child tax credit, and income tax returns. Delaying them since XXXX. I did not receive what I was suppose to receive. 
I believe law enforcement retaliation and the owner of this home I rent are involved in this fraudulent abuse, which includes sheriffs departments, police departments, the management facility XXXX XXXX, and XXXX XXXX who is owner of the home. I believe and have evidence she has accessed my XXXX account for XXXX Florida and is trying to receive that money and have me evicted. That money is suppose to help my children and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I contacted N26 to alert them my account had been hacked and all transactions from XXXX up to XX/XX/XXXX were fraudulent, including the address change and the ordering of a new debit card. The rep told me that account would immediately be locked down and I would not be able to access it during then investigation and that I will be contacted with an update soon. On XX/XX/XXXX, I sent them an email stating I could still access my account and if I can do so, the hacker could as well. I asked for an update on the dispute and wanted to know why my account wasnt locked down as told. I contacted them again on XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX I received an email that my account has been closed. I contacted them again on XX/XX/XXXX and XX/XX/XXXX regarding the account closure, investigation update, and provisional credit. The responded on XXXXwith an affidavit to complete which I returned on XX/XX/XXXX. I have followed up again on XX/XX/XXXX and no response of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company continues to call with different numbers, despite my previous CFPB complaint about their repeated calls from different number. I asked the company to cease and desist with their attempts. And every day there is a call from a new number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: NY

Complaint narrative:
Navy Federal Credit Union is supposed to protect the monies of veterans and their families however they have been holding over {$100.00} of my money for over a month! When calling I have been treated rudely, unprofessionally, hung up on and interrogated and accused like i was a criminal. I did receive a voicemail from a lady " XXXX '' ( ph # XXXX XXXX ) and although my situation is URGENT, she stated she would send me a letter. How long does that take? As a Veteran currently suffering fron XXXX, XXXX XXXX, and homelessness i would expect Navy Federal Credit Union to be more considerate and compassionate plus respectful!. I need Help! i need my money! Talking the Navy Federal Phone reps have set me back emotionally, psychologically, and i had to go to the hospital for 3 days to try to recover from the experience, Is this how you do Veterans Navy Federal Credit Union? Unacceptable!. PLEASE ... release my money today so i can continue to focus on my life ... I need help! 

XXXX XXXX XXXX disputed fee XXXX double charge XXXX XXXX never got food disputed fee XXXX XXXX XXXX unauthorized charge dispited fee XXXX XXXX XXXX fraudulent charge XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
This is the third day in a row where I have not been able to use my Citi Card due to their overzealous fraud department. I have called them and they have said the card would become active and I could use it, only for it to ONCE AGAIN be flagged for fraud ( sometimes on the exact same transaction that they said would be OK to use the card on ). This is unacceptable. Either let me use my card or prepare for a lawsuit as this is verging on discrimination at this point.

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 2021-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AR

Complaint narrative:
I have a mortgage with XXXX Lakeview Loan servicing LLC., I recently again had my payments raised and can not contact them. I have called and emailed them and have not had any results. Lakeview sent a letter stating that my escrow was short again due to the following reasons and why my escrow increased my mortgage payment. # 1. The projected amount at closing increases or decreases Closing was 5 Five years ago! # 2. Property taxes increase or decrease. I have a letter from my county stating my property increased in value but my taxes remained the same! # 3. Homeowners insurance increase or decrease. I spoke to my insurance agent and my insurance has not changed at all. # 4. Change insurance company I have not changed insurance company I have the same insurance company. # 5. We pay delinquent taxes on your behalf., I have not been delinquent on any taxes. So none of these reasons apply and I can not get any response from Lakeview Loan servicing LLC.

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 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I owed a car loan debt with XXXX XXXX XXXX and I didnt know they sold the debt to javitch block & rathbone llp, The way I found out was through my bank because I have been trying to pay my rent and everyday necessities and My bank told me that ones that froze my bank was XXXX law firm a court appointed receiver. Javitch block now this people claim I owe them but the debt is not with them I dont owe anything to javitch block and XXXX XXXX. I did not get any paper work saying they are suing me or any type of notification they have violated my rights. I want this matter to be disputable and corrected.I never sued with proper documents or proper service.

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 2021-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied at discover mortgage loan pre qualification online they told me they wouldnt run my credit they did I ended up getting a hard inquiry and not a soft pull they lied I called them they told me they couldn't remove it I asked them why they said they couldnt so I said I had to report it it must have been something along the lines of XXXX antagonists. Im trying to obtain an efficiency through my XXXX XXXX  or Section 8 on SSI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diaz & Associates, Inc.
State: NY

Complaint narrative:
I received a letter from DIAZ & Assoc., regarding an old debt. This debt is 32 years old and was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter from DIAZ & Assoc., regarding an old debt. This debt is 32 years old and was discharged in bankruptcy.

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 2021-07-30 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: NY

Complaint narrative:
I have always maintain a perfect payment history, no collections have been reported, I'm normally in a XXXX are higher range with my credit, inaccurate balances were reported on my credit for 2 minutes and when I paid a {$32.00} dollar balance off on one of cards that I consistently use each month, my score drop 30 points! I have not been able to purchase a car, a house without horrible interest rates because of my low score. I have no late payments, my balance is always under 30 % but for 8 months now I been having problems with this credit bureau.

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 2021-07-30 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
The originally lender Chrysler capital who I initially was in debt with, sold company to XXXX XXXX  who then continued to keep the credit inquiry active when it shows the account was charged off from 2015 which is over 6 years old by now. The original lender who I was contracted and financed through aka Chrysler capital passed this to XXXX capital who continues to hold this debt and injure my credit when it has been charged off for six years and solidified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
While in the process of leaving a relationship that involved domestic and financial abuse I transitioned my payroll into an account that was not accessible to my partner. 

I knew this would result in overdrafts, but had to do so to utilize my available funds to support my children while protecting them from autopsys associated with bills that are not my own but I was removed from accessing to remove my banking information. 

Eventually auto payments of my own that is forgotten started to come in, and I realized the account was now essentially frozen. When I logged in to see what the total damage to the account was recently, I noticed the bank had without my request, consent or proper communication issued a credit for the total overdue balance when the early child tax credit was deposited. I was initially excited about this as I believed I would be able to right the account much sooner than I had originally anticipated. 

Until I started getting overdraft notices again. 

I have contacted the bank multiple times to inquire as to why charges to the frozen debit card are still being allowed to process through and to request they recind the credit if the sole purpose is to collect additional fees for insufficient funds even though Ive requested multiple times the account be frozen/closed. 

The total balance they are now claiming owed to them in overdrafts and fees is well over XXXX and not a reasonable thing for me to correct. I feel this is fraudulent and intentional on the behalf of chase to hide manipulation of the current economy to appear as if they are helping their customers, when in reality, they are using it to build their own profits by opening the accounting automation system to accept new charges they are aware will be declined, resulting in additional fees. 

Im reporting this because this is predatory under every definition of the term. Ive had this account for several years with no issues related to insufficient funds, and feel they are trying to take advantage of my circumstances and income to justify fraudulent fee accrual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I applied for Avant credit card they counted it as a loan through their Unsecured loan dept I apploed for Unsecured ctedut line. Was Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Troy Capital, LLC
State: NJ

Complaint narrative:
The originally lender XXXX XXXX who I initially was in debt with, sold company to Troy capital who then continued to keep the credit inquiry active when it shows the account was charged off from 2015 which is over 6 years old by now. The original lender who I was contracted and financed through aka XXXX XXXX passed this to troy capital who continues to hold this debt and injure my credit when it has been charged off for six years and solidified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: MN

Complaint narrative:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.

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 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Both my XXXX  and XXXX  report has the debt from Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on my report. As the XXXX XXXX, I was not given the opportunity to verify or validate the alleged debt. I have called them and written letters to speak to some and was either hung up on or my communication via letter was has yet to be responded to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I applied for a {$40000.00} equity loan in XXXX. In XXXX the deed was tranferred into my son 's name and recorded into record. At that point I was officially as mandated by law, in breach or default of my contract. The bank, however, never took action to reassign the mortgage nor did it exercise its right to utilize the acceleration clause. In XXXX my son passed away. The premises in question remains in his name while the original mortgage is assigned to me after 8 years after transfer of the warranty deed. The bank is now mailing me papers to recover deliquent payments which are not conspicuous, have not itemized details of repayment and contains cognivit clauses within the body of the contract. I am a natural person and individual consumer additionally this situation this is regarding a residence. I was led to believe that a contract containing a conovit clause was illegal in the Commonwealth of Pennsylvania unlessthe transaction conducted was of a commercial nature. This is a blatent attempt of deceitful practice. Futher more, the FDIC made a statement during the Covid 19 pandemic that they would not criticize institutions for waiving late fees and overdrafts etc. and in fact encouraged such practices by banking institutions for the best interest of the consumer and communities. I was not privileged to that courtesy even though I was without employment and without stimulus. At this juncture there are many flaws within the contract containing cognovit clauses at several levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Bank wrongfully closed multiple checking accounts I open with them and also wrongfully labeled them as being opened fraudulently. 

I also received multiple emails and letters stating that there was " suspicious activity '' on my account. Which was also wrong, incorrect & untrue. 

Discover is continuing to provide false information While wrongfully closing my account. I have attempted to speak with someone on the matter and still have not received a call back as promised weeks ago. 

The information I continue to receive from Discover Bank is false, misleading and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting a unauthorized collection account on my consumer report. I did not consent to this item XXXX XXXX XXXX XXXX placed on my consumer report. My consumer report is my privacy and I feel i'm being taken advantage of and its embarrassing when I apply for credit and potential creditors see this unauthorized collection there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 a Fraudulent Inquiry was made on my TransUnion and XXXX  credit file from XXXX, I did not Authorize this Inquiry and quickly called XXXX to notify them of such Fraud. Please Remove this Inquiry Immediately from my credit file. I was a victim of identity theft.

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 2021-07-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021 a Fraudulent Inquiry was made on my XXXX  and Experian credit file from XXXX, I did not Authorize this Inquiry and quickly called XXXX  to notify them of such Fraud. Please Remove this Inquiry Immediately from my credit file. I was a victim of identity theft.

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