vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NY

Complaint narrative:
On Thursday, XX/XX/2020 I went to retrieve my mail from the mailbox. I applied for the XXXX prepaid card online and was expecting it. It was in my mailbox along with a NetSpend prepaid card. 

I didn't apply for the NetSpend card and was not amused. I have sent an email to NetSpend to file a complaint. Under no circumstances did I knowingly or willingly apply for the NetSpend prepaid card.

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 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the XXXX  you caused me. My information was also impacted by the XXXX and XXXX Data breach and may have gotten into the hands of the wrong person.

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 2020-09-04 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the Equifax and XXXX Data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
a signed for a 60 months term. every month I pay extra to principal in order to finish faster. the problem is that the charge me interest on the extra payments and also they keep them as a credit in the account, calculate the interest and then apply the extra to the account. Last month my payment due was {$380.00}. I paid a total of {$800.00} and they applied it the following way : Reg. payment : XXXX Principal XXXX Interest XXXX Payment XXXX Principal XXXX Interest XXXX principal pyment XXXX Why they charge me interest on that XXXX if it was part of the almost {$410.00} I paid extra to principal?. Why the interest is the same if a payment was made and even knowing that should not be charged they calculated the interest over the same previous balance? 
That happens every time and they say to me that I do not know how it works.

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 2020-09-04 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: VA

Complaint narrative:
This account has been opened fraudulently. I had no knowledge of this account. I didnt open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: VA

Complaint narrative:
This account has been opened fraudulently. I had no knowledge of this account. I didnt open this 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 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: OR

Complaint narrative:
I went to make my final payment of {$490.00} on my car loan and the loan company states that my final payment is over {$2000.00}. They are telling me that I requested a payment due date change from the XXXX of every month to the XXXX of every month when this loan was first started back in XXXX. They are telling me that they informed me that I agreed to a " balloon '' payment at the end of the loan in order to have this happen. 
I have tried for several weeks to get some confirmation and resolution to this issue. The " supervisor '' states that she listened to a recorded call from XXXX and it is confirmed. I have asked to hear this call for myself or receive a transcript of the call. If I actually agreed to this as they say I would pay the extra {$1600.00} but as I do not ever recall agreeing to this so called balloon payment as I would not have changed the due day each month if I had known this. I ma told that it is their policy not to allow me to hear the recording or receive a transcript and I must take their " word ''. 
I have made my final payment of {$490.00} as scheduled but now face a past due of {$1600.00} per their " balloon '' payment. I am facing late charges and repossession if I do not pay what they want.

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 2020-09-04 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: Navient Solutions, LLC.
State: AR

Complaint narrative:
In XXXX of XXXX, after the Cares Act was passed, I call Navient to inquire how this impacted my student loans. Their representative informed me that nothing was required on my end, that the Cares Act automatically put my student loans into forbearance ( I could be wrong about the term ), and that no further action was required. In XXXX, I logged into my Navient account and, to my surprise, my loans were showing past due. I called Navient to find out why this is and was told that my type of student loans weren't covered under the Cares Act. Now, first of all, I had no idea there were different types of student loans. Secondly, why was I not told this in XXXX. Now, not only do I have an account that is extremely past due, but they've reported me to the credit bureau and my credit score has dropped dramatically. I tried to speak to Navient about this and they were far less than helpful, so I filed a dispute with the 3 credit agencies ( XXXX, XXXX, and XXXX  ). They asked Navient and, apparently, Navient refused to change it. One thing to note, I immediately paid the balance once I learned the accounts were overdue. 

To summarize 1. I had no idea that my student loan was any different than any other student loan 2. The Navient rep had informed me that no further action was required I'll also add, I would think that some form of communication would be called for when an account was this late. Yet, I never had one call from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I spoke with the representative from this creditor this morning XX/XX/2020 and they assured me that the account has been deleted from all credit bureaus after speaking with XXXX credit reporting specialist she disputed the items again based upon the documentation that I provided please delete the account from my XXXX  credit report as promised in your prior correspondence

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 2020-09-04 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
MCA Management ( XXXX XXXX XXXX  XXXX, XXXX  XXXX MO XXXX ) has an incorrect collection on my XXXX  credit report. I was never contacted by MCA, I've never talked to MCA about this {$750.00}.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a government card from Bank of America that was distributed to me for unemployment unemployment is asking for the account and routing number when I go to the website of Bank of America XXXX XXXX  it does not show any unemployed any account or routing number I called them and they don't see it on their end is it a possibility that you can email me the account and routing number so I can finish unemployment please my email is XXXX. 
Card number is: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 2020-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have been trying to save my home for months now and the only excuse I got was they never got my request and then I had my counselor help me but they continued to give me the run around. They didn't even want to open the review. He opened an escalation as the Office of the President with Wells Fargo and had XXXX XXXX assigned to find out what was going on. Well XXXX  was no help! We kept asking for a phone call and no one called. Anyone can write down on their notes and say they called but no voicemails were left or anything. They have also let my documents expire and I have to continuously submit new documents.

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 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have been a fraud victim were someone has rented a property under my name. I don't know where it was, but a collection agency named Hunter Warfield placed the reference on my credit without validation for the amount of {$13.00}, XXXX. I can 100 % assure that this account does not belong to me. Apparently, the account rental was in another state that is not XXXX  where I have been living since XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XX/XX/2020 I tried to create an account for myequifax.com to get a free credit report. It said I already had one and took me a page to login in, tried to log in and email/password did not match. Clicked forgot password and says I do not have an account and to create one. I tried to create one again, same thing stating I already had one and to login. Did forgot password again and said I do not have an account. This was all from my phone XX/XX/2020 I thought I would try from my laptop. Same thing as before. Tried to register you have already have an account, login, forgot password, no account found. 

I called equifax to see what was going on. I was on the phone for 45 minutes with her. Told her what was going on, she asked for my info, said I don't have an account and needed to register. So I tried again same thing as before. Did forgot password and nothing. Cleared browser history. We did this multiple times. She keep on saying you don't have an account, I was telling her it is saying you have an account. I asked for a manager or a different person she said they can't help me. I probably asked three times. We got no where, no free report, never was able to login. She did file a dispute for me, but I asked if I don't have an account, how can she file one? She said because she sees me in the system. That doesn't make sense to me A company should not be able have this much power in my finances when they can't have live effective help. Especially after they shared 100s of millions people information that lead to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I applied for a auto loan through XXXX they referred me to Ally. Upon which Ally used a credit bureau I have no knowledge of to run my credit report called XXXX. This company came back with a low credit score of XXXX, but XXXX  credit score was XXXX. That a big difference between the two scores. I know this is not accurate at all. I know a lot o people will be filing a complaint againt XXXX. I foresee a lawsuit with this company please be sure I will follow suit also. This kind of thing is not acceptable at all. I truly hope you can clear this problem up soon. Thanks for lending a ear.

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 2020-09-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/20 I was shopping on line for rates to refinance a jumbo mortgage with a 30 year fixed rate. I found that Webster  Bank was advertising a 30 year fixed jumbo mortgage at 3.0 percent, APR 3.012 percent. I am attaching below a screen shot of that advertisement on the Webster Bank website. Over the next two weeks I checked again on line a couple of times and discovered that the same rate was still advertised. 
Today, XX/XX/20, I contacted Webster Bank and a loan officer returned my call. He quoted a 30 year fixed jumbo rate for refinancing a mortgage at 3.25 percent, APR 3.263. The 30 year fixed jumbo rate for a new house purchase was slightly lower but also above 3.0. The loan officer said that there was no 3.0 rate for a 30 year fixed jumbo mortgage and had not been one previously at that rate.

To be fair, when I had the loan officer check Webster Bank 's website, he was extremely concerned about the incorrect advertising and sent a message to his manager. 
However this should never have happened and should be sanctioned and/or monitored. 
I will attach the screen shot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have been a loyal XXXX  rewards credit card customer for 4.5 years. This card charges an annual fee of {$49.00} but it includes a free night in an XXXX hotel so I consider it an even trade. 

Due to COVID I was unable to use our free night from XXXX as it expired in XX/XX/XXXX. When my statement came in with the annual fee notice, I paid the fee because I did not want any late charges and thinking I could call them later and get the fee refunded. 

When I received a new card in the mail this summer, it was a reminder that I needed to inquire on the fee. When I finally called in to inquire about refunding the fee not only was I told it was too late to refund the fee but I also discovered they had cut the credit line on the account. The letter with the new card had a credit line 2x higher than the amount given on the phone so my credit line had been cut in half.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
Certegy continues to try to collect on a debt that is not owed. This is my final complaint before I contact my Attorney on Tuesday and file suit against them, their collections department, and XXXX. I have already contacted XXXX and was assured that the issue was handled and that Certegy would be contacted. Apparently this hasn't happened. I am attaching an email that was sent about 2 months ago and the response from XXXX XXXX CEO Office. Certegy states that they investigated a matter ... they haven't, because I am not going to provide a DL Number or any other information to help them verify something that they should not already have. I have already stated on a recorded line that the DL number and SSN is not mine. That is more than enough. On behalf of the FDCPA, I have grounds to sue because it is on them to prove that this debt belongs to me, which it does not. They have not done so and the burden is on them to prove that with the information provided, which they have not done so. I do not owe anyone any money. I am not giving my personal information while they continue to have security breaches. The next person that they will hear from is my attorney if this isn't resolved asap.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Applied for 18-month interest free credit card from Wells Fargo late XX/XX/XXXX. Received it early XXXX. They now say interest begins to accrue XX/XX/XXXX. Spoke to one rep who said thats when the offer expires. Spoke to another today who just keeps saying that XXXX is 18 months, no matter what i say.

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 2020-09-04 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: MS

Complaint narrative:
XXXX and TransUnion are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IN is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-04 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: CA

Complaint narrative:
I filed a complaint against XXXX XXXX reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY XXXX XXXX sent a notification to Equifax asking them to remove my XXXX XXXX account instead of removing the hard inquiry. i called Equifax and they referred me to XXXX XXXX. Capital One was unable to handle this case, wasted a working full day on phone communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This account has been opened fraudulently. I had no knowledge of this account. I didnt open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: MS

Complaint narrative:
Experian and XXXX are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX DPT EDXXXX is fraudulent on my credit Account # 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