vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
Ria Financial heavily advertises their online and telephone app money transfer services to lure customers to their store front locations where the fees are much higher than advertised for the online service. I open an online account and tried first to do a transfer to my boyfriend in XXXX for cash pick up. They allowed me to enter all the information including the payment information and when I approved the transfer, I was directed to call a telephone number, where they proceeded to tell me to go to the store instead because this country has experience high fraud. I proceeded to do my transfer with a different online service without issue. A few days later I tried my RIA account again but this time sending my money to my boyfriends bank account a more safe and obviously not fraudulent process. Again I was allowed to go through the entire process only to once again direct me to a telephone number to call where I was told the same story, best to go to a RIA store to do the transfer because if it turns out to be fraud and is done online they are responsible to refund the money but if it is done at the store they are not. If this is indeed true this is preposterous but in any case this company is engaging in bait and switch. Subsequently I read many many reviews of other customers going to the same process sending money to many countries all over the world, all high fraud, best to go to their store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a garnishment and I tried speaking to Bank of America legal department and explained that the {$1000.00} was mine and it was taken out of my retierment money. I went to court and the judge ruled in my favor. They still refused to release the money because I closed the account. Please see what can be done. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL Phone XXXX email XXXX Thank you for you attention. 

Wwe

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 2019-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I opened this personal loan in XXXX when the company was called springleaf and the branch was on XXXX in XXXX XXXX. The loan amount was XXXX and the terms were XXXX for a period 5 years,, XXXX XXXX  XXXX  the loan was to be paid off, however they came back and said that since their was a time period I paid the loan late the accrued additional XXXX  I thought this to be unfair and after calling the corporate office which is now One Main, 
(they acquired springleaf) they agreed to cancel all remaining interest on the interest and every payment moving forward would be going to principal
Around XXXX XXXX a few days before my pay ment was due I called and spoke to customer service to see if I could defer a payment since I was having a lot of car repair issues, (you see they have also held my car hostage  collateral) the car now has XXXX  miles I cant afford a new car or used because I am still paying this loan and they keep dinging my credit for late payments when they did a double deferment, So anyways I entered into a double deferment it was processed before I made the required pmnt I made up the pmnt and they still reported me to XXXX  as being late in XXXX  to XXXX  as being late in XXXX  and to XXXX  as being late XXXX and XXXX
they are literally ruining by life the only account that is hurting me Every time I call I get a new story

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: VA

Complaint narrative:
the connection for sign up is insecure, once the prompt asks for SSN or banking info the connection on chrome becomes insecure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2019, I paid the amounts due from credit card charges, inclusive of late fees, on my Barclays XXXX XXXX XXXX XXXX credit card. I made that payment immediately after getting off of the phone with Barclays to inquire about the above-reasonable magnitude of the late fees ( not the issue I am writing this complaint about ). On that call I directed the Barclays service associate to close my credit card account after I made that final payment, to which she verbally agreed to process that card closure request. 

On XX/XX/2019, I was notified by voice mail of an overdue amount on that same XXXX XXXX credit card - this should not have been possible had they closed the account as they were told to ( and assured me they would ). Per their website, on the account was the ( a ) annual fee on that credit card ( which again was supposed to have been canceled ), plus ( b ) a late fee, plus ( c ) an additional interest charge on all amounts. 

I am writing to you at the CFPB to seek your assistance in, first, having Barclays close the account as I had requested and they had agreed to and, second, to have removed from the account these wrongfully charged fees noted above. I would greatly appreciate any assistance you are able to provide on these matters.

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 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
COMPANY DEBT CREDIT SYSTEMS RESPOND WITH FAKE APARTMENT LEASE AND PRIVATE CONSUMER INFORMATION DEBT CREDIT SYSTEMS LLC PURCHASED A LEASED ONLINE AND APPLIED ALL CONSUMER INFORMATION AND ADDED OUTSTANDING BALANCE. ALL FALSE INFORMATION REPORTED BACK TO CFPB UNDER THEIR WATCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I spoke with my loan officer XXXX XXXX mls # XXXX after my appraisal came in. I requested that my appraisal be appealed and she sent me the forms to start that process. After I submitted the forms, weeks went by and I haven't heard anything from her. She sent my application up to underwriting without attaching the appeal letters, causing Navy Federal to deny my mortgage application. She informed me that I should apply again and hopefully get someone else to do my application. XXXX was very unprofessional about handling my business and she should be terminated from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian, XXXX  and XXXX are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. Experian, XXXX and XXXX  have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX 2. XXXX 3. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from 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 non-monetary relief
Consumer complaint received 2019-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I discovered that I was receiving fraudulent charges from XXXX XXXX. When I realized, I contacted capital one immediately and we identified the rapidly growing charges. 

I was told that this matter was dealt with and I needn't do anything. A new card would be sent out. 

A few days later, I received my new card and saw yet more charges from XXXX XXXX. I contacted capital one and they said they had again dealt with it and I had nothing to worry about. They then told me that less than 5 seconds after they put in an order for a new card, XXXX XXXX  had charged the new card and that she would have to now cancel that card and send me another one, but this one they  would send express. 

They send me the new card assured that this was dealt with and yet ore charges to my card from XXXX XXXX. I call capital one again and they tell me that they can't stop the transactions and that they will have to issue me an authorized user card to my account to get around the issue. They appear to have had no control over fraud from big clients who have some kind of contractual obligations. 

This can't be a one-off problem. If this is possible with XXXX, what other clients are not able to be blocked when fraudulent activity is not being addressed? This was damaging to my credit unfairly as I have spent tens of hours on the phone to them and each time they have assured me it was all under control and would stop. Not only that, but I have had to leave my cards in a permanent state of hold until they could find a solution to the problem which took them months. Even then, it's not a long term solution that every cardholder must have one card that they have, but is blocked, to enable to the use of a second card on the same account? 

I'd like my credit fixed and this looked into as there is a clear issue that is only going to get worse. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Oqwen mortgage reported I was missing a payment in XXXX of this year. I was not late I pay with XXXX XXXX XXXX XXXX every month for the last 14 years this system was down and wouldn't allow my payment to go thru there were problems with the system for 3 weeks before it was fixed. There for my payment was late not do to me but problem with there own system. I would like missing payment to be changed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have noticed that there have been 4 charges of $ XXXX monthly service fee to my checking account since XX/XX/XXXX. I am disappointed that I have never been advised about it, nor have I given any consent to it. I have been banking with Citi for almost 3 decades without any fees. I'm also deeply disappointed that for 3 decades Citi has been using my funds to make profit for itself at XXXX cost. It is not only inappropriate but also unethical to charge service fee even on top of all that privilege of using the client 's funds for free. 

As I researched this case, it turned out that my account was converted to Citi Priority package ( a name of a predatory product that Citi devised to charge high fees ) without my full knowledge or  without my explicit consent. I was able to revert it back to the regular Citi Baking account ( though I'm not sure if this is the original account setting I had been with for the last 3 decades ) on XX/XX/XXXX with only 1 month fee reversed. 

The mobile chat agent said she could only do one-month reversal as a one-time courtesy, but this is not the matter of courtesy. The account conversion was made without my knowledge and consent, so all the fees incurred during this period was illegal in the first place. It is only fitting & proper to reverse all fees ( total of {$120.00} ) immediately. Anything less than that is tantamount to racketeering. 

The chat agent said it was the best she could do within her capacity and suggested calling the bank, but when I called and got transferred to a supervisor, I had to explain it all over again to no avail. 

I would like to stress that the fee was illegal to start with because the conversion of my original account to Citi Priority package was done without my knowledge and consent. The full amount of total fees must be reversed immediately. This is a typical predatory banking practice. 

Sincerely,

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 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: GA

Complaint narrative:
Not reporting correct amount -- -> Barclay I have disputed this matter with all three credit bureaus as well as credit card company, Barclay . I disputed a charge on my credit card after not receiving the product. And Barclay removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. Barclay did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX  and XXXX and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from Barclays. The last response I received from Barclays was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years.

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 2019-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Not reporting correct amount -- -> XXXX I have disputed this matter with all three credit bureaus as well as credit card company, XXXX XXXX I disputed a charge on my credit card after not receiving the product. And XXXX removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. XXXX did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX and Equifax and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from XXXX. The last response I received from XXXX was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years. 

Equifax XXXX XXXX, XXXX / XXXX. XXXX XXXX / XXXX, GA XXXX XXXX  / XXXX. XXXX XXXX / XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX, Transunion and XXXX  are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, Transunion and XXXX  have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX 2. XXXX 3. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from 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