vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
COVID-19 arrived. I wrote a nice letter to Bank of America in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees on my XXXX XXXX XXXX credit card. 

They are still charging my account for payments, interest, and late charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I hereby declare that the following is true and fact : The Navy Federal investigators determination regarding the herein referenced dispute, filed on XX/XX/XXXX, and the Merchants claims of a purported debt appears to be founded upon a false record, in violation of U.S.C Title 18 2071 and 2073 and further ; uttering and possessing false obligations and in violation of U.S.C Title 18 -471,472,473 and or 513, and further using XXXX business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq.

I hereby declare that the disputed charge of {$1500.00} is a fraudulent charge.

I hereby declare that no valid Bill of Sale exists which obligate me to pay XXXX XXXX XXXX anything. 
I hereby declare protest and appeal to Navy Federal Credit Unions prejudicial claim determination regarding this matter. 
I hereby declare that Navy Federal Credit Union is willfully conspiring with XXXX XXXX XXXX to charge my account in the amount of {$1500.00}. 
I hereby declare that Navy Federal Credit Union or its claims investigators are not in receipt of any verified evidence which prove that XXXX XXXX XXXX ( merchant ) has a right to charge my account. 
I hereby declare that the all evidence or proof used by XXXX XXXX XXXX pertaining to this matter are void and or misrepresented. 
I hereby declare that I intend to sue Navy Federal Credit Union for the prejudicial decision of its claims investigators who have violated my reserved rights by allowing fraudulent charges on my account. 
I hereby declare that Navy Federal Credit Union willfully refuse to provide me with all accounting papers and documents used to determine my claim as requested. 
I hereby declare that because I have filed previous dispute ( s ) unrelated to this matter, Navy Federal Credit Union is discriminating against me regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Someone got hold of my credit card with XXXX XXXX XXXX, and used it and which I contacted the company right away and told them and now the company still wants me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
COVID-19 arrived. I wrote a nice letter to Chase, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Marriot credit card. 

They are still charging my account for payments, interest, and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: RI

Complaint narrative:
I recently received an incredibly threatening letter from XXXX XXXX XXXX on behalf of Ace-Inc threatening to sue me, go into my bank accounts, etc. I believe that they called me recently, and Ace Cash Express has called me a number of times over the past couple of years. I took out a payday loan with them about 7 or more years ago and the amount they claim was not what I took out. The email they sent says that I took out {$300.00} but payday loans are usually {$250.00}. What's troubling is that they have my SS, birthdate, addresses, phone number, etc. I'm pretty certain that I included this loan in my bankruptcy around the same time. The recent document is threatening to sue me, and worse. I XXXX XXXX and it says it's a scam. Many people posted that they received the exact same template letter with the same threats. I am very concerned because they have my SS, etc. and license number. I believe that years ago ACE CASH EXPRESS had a data breach and now someone has my info. They threaten to freeze my bank account, contact the IRS, etc. The thing is that none of this is on my credit report so I believe it's a total scam!!! This also is past the statute of limitations in CA which is 4 years. The document says they are suing me for {$11000.00} for one payday loan. I have not responded and most certainly won't. How do I protect myself now that they have my identity? They are claiming that they will file a judgment against me! This is nonsense! I looked up XXXX XXXX XXXX XXXX XXXX and it looks like a credit repair company which helps consumers, not a debt collector! Something is very fishy!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, Capital One is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Date : XX/XX/2019 Company : Renton Collection  Original Creditor : XXXX XXXX XXXX Original Balance : {$850.00} Action taken : I filed a dispute with Renton Collection.  The dispute ended XX/XX/2019 Result : Renton Collection declined the dispute request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/19 my Sears MasterCard was charged {$3600.00} by XXXX without my prior authorization. I called XXXX and they cancelled the subscription but imposed a " 6 % processing fee '' of {$350.00}. I filed a dispute with MasterCard. They concluded that XXXX was correct. MasterCard did not provide evidence that I had authorized the charge nor the 6 % processing fee.I also filed a dispute with XXXX. XXXX  also concluded the charge was correct without providing any rationale for their decision. 
I had used this card for 45 years and had paid all legitimate charges during that time. 
For MasterCard to conclude, without evidence, that I suddenly decided not to pay a legitimate charge is unreasonable.

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 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In XX/XX/2019 I received a notice that my victory secret credit card statement ( comenity bank ) was ready. I paid my balance in full in XX/XX/2019 and made no additional charges. I called immediately after logging in and seeing 2 late charges but now product was bought/ordered. I found out that when I paid my balance in full that it was 1 or 2 days late from the due date and that the it doesn't show up as a late payment until the next months statement comes out. So I had 2 late charges of {$30.00} each plus interest on the late charge. Their policy is to only refund 1 late charge per year. They wouldn't budge on the policy so I asked to pay what I owed ( right then on the phone ) and cancel my card. So they refunded 1 late charge. I paid the late charge and interest on the late charge. I received verbal confirmation that the credit card was closed. I moved and actually changed phone number about 1 month after that. I pulled my credit report and saw now I owe comenity bank over {$200.00}. I called and they said that when I made that payment to close the credit card I was already late and now there is more interest on a late payment that has nothing to with the original balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MT

Complaint narrative:
We had an Insurance claim and the money went to the mortgage company. The work has been completed and inspected. We paid the contractor out of pocket and the mortgage company is not being reasonable in releasing the funds. We have provided everything they have asked for, sometimes submitting the same information twice and they have taken an unreasonable amount of time to release funds. They are very obviously withholding funds and taking longer than necessary to release funds. They have also stated certain things were not submitted correctly or that they weren't received when we can see what was submitted correctly and received right on their website.

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 2020-05-05 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: Lending Club Corp
State: NJ

Complaint narrative:
I contacted Lending Club in XXXX to provide them with my new checking account for payment processing. The representative assured me that she changed the checking account on my Lending Club profile and that payments would start drafting from my new account. After almost two months, I realized that all payments were not going through and I was late, with XXXX Dollars in fees, and a late payment reported to credit bureaus. I was never late prior to this incident, and have not been late since, but have ALWAYS had issues with their call center, including unauthorized payment drafting and constant misinformation. Today I spoke to XXXX in Payment processing who refused to provide me her last name. She told me, " rest assured, we had serious issues in our call center but after investigations all representatives were terminated. '' I explained to her that I do not care about her employees, or the health of Lending Club 's operations, but that her admitting of these issues is frightening, as it serves no justice to the customers you've repeatedly taken advantage of. I now have a negative remark following me for the next 7 years. She is now searching for the call because she needs, " proof '' that the representative said she changed my payment account. I have always had the money each month to pay lending club, why would I purposefully not pay my loan and go through months of XXXX between the CFPB, Bureaus, and this erroneous and irresponsible lender while also have {$45.00} dollars in unjust fees and a late remark? Somebody at the CFPB, I am begging you to have mercy and do a diligent investigation into this abusive company. She can not find the call recordings because, like all other business areas, their QA and Call-Center management is sub-par.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, XXXX XXXX is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.

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 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Called mortgage company, Freedom Mortgage, ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX( spoke w/XXXX ), and XXXX, as well as 3 emails, from company 's website. Calls were made as initial investigation into refinancing existing mortgage. Was told I would receive reply within 24-48 hours. NEVER received any response! Filed an application, online which was acknowledged, by email, on XX/XX/XXXX. No contact since. 
Feel frustration about lack of ability to speak with anyone, other than those fielding calls, at toll-free number.

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I wrote written requests along with VERBAL requests to this company to cancel this policy last year. It is now that they are reporting to the credit bureaus with a balance. Unacceptable and FRAUD. 

THere is a fraud alert placed on my account and by no means did I have a policy with them that accrued a balance. I will attach a picture of my email.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank issue a credit for my XXXX account a couple of years ago when I bought a XXXX  XXXX phone. I finished paying the loan on the phone and after 3 month I decided to cancel the premium insurance since I own the phone., At the time I closed the account on XX/XX/XXXX and paid full balance on the account, and I was told the account was closed. 
A just got a letter dated XX/XX/XXXX, telling me my account has been closed, but I I owed them {$12.00} for Premium insurance for XXXX. 
I called the bank again and asked, Why do I owed them money since I closed the account, they said that as longer XXXX doesn't closed the premium insurance, I have to pay the bank for it. I don't understand. Are they a credit card company or a XXXX company. I have called XXXX a second time to closed the account. this time I got a ticket number XXXX but if they keep billing the bank TD bank, how do you close the account with the bank. It seems to me that they are doing this purposely. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: NY

Complaint narrative:
Someone opened a XXXX account in my name I never opened up a XXXX account because I have a family plan with a next company, and have no idea where this account came from

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 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
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 explanation
Consumer complaint received 2020-05-05 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: CT

Complaint narrative:
In XXXX of 2019 and also XXXX of 2019 i sent letters from XXXX  and also XXXX  XXXX about inquiries which didnt belong to me to transunion yet they are still on my credit 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 2020-05-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-05 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I purchased 2 {$100.00}. gift cards in the amount of {$200.00}. at XXXX XXXX  in XXXX, XXXX with my BJS credit card. When I received my credit statement, I noticed the amount and called to tell them that I had not made that purchase. They immediately told me that they would cancel my credit card and issue a new one. After 2 days I realized that I had actually made the purchase and called the company back to notify them that I had made a mistake but they had already sent the new card. I paid the amount which included the {$200.00} in full on XX/XX/XXXX. When I received my XXXX bill, they had transferred the {$200.00} to the new account,. so I paid it again. Then on XXXX when I received my bill .... it stated the the {$200.00} was paid. On the XXXX statement, they transferred this amount to the new card stating it was a " balance transfer ''. Since I have already paid this amount twice and have contacted the credit card company COMENITY BANK .nine times with my complaint but to no avail, I am turning to you for help because again they are telling me I owe them.this amount. I refuse to pay it a 3rd time. I have requested documentation from this bank supporting their claim which to this point have not sent me. PLEASE HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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