vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ITS BEEN WELL OVER 30 DAYS AND I HAVENT RECEIVED ANY INFORMATION FROM TRANSUNION REGARDING XXXX XXXX AND ITS INACCRATE INFORMATION SENT ON XX/XX/2021.

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 2021-06-03 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: IL

Complaint narrative:
Hi. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION AGAIN.

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 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by XXXX  XXXX XXXX ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good afternoon. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

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 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Fraudulent collections on my credit report I have contacted collection companies and have no responses in obtaining any proof of the debt belonging to me and needs to be removed XXXX XXXX XXXX XXXX Collection opened XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
XX/XX/21 Atlantic Recovery Solutions XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company called me for a person that I do not know and have never heard of. I called them back and told them that they have the wrong phone number, and they told me that they would take my phone number out of their system. I received a second call for the same person. I called back again and the woman told me " you don't need to keep calling, we took your number out of the system ''. I pointed out that they had called me after I was told that my phone number was removed. She hung up on me. I called again and asked to speak to someone in supervision and she rudely reiterated that they had taken my number out of their system. I told her that I was going to make a complaint against her company with the CFPB and my State Attorney General office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: KY

Complaint narrative:
I applied for the loan and was approved at the beginning of XXXX ( XX/XX/2021 ) The money was deposited into my account for the total of XXXX into my bank account through direct deposit. I was not informed that the apr would be 499 % Nor was I able to print the fees, and paperwork from the agreement. The gentleman on the line was continually pressuring me to sign while I attempted to read the agreement. 

When I opened the portal for the loan to see what my monthly payment would be ( I was not informed of that either ) I found out it would be XXXX a month. I wasn't sure why it was so high. I called with the intent to defer the first month and the customer service gentleman then told me my apr was 499 %. When I told him it was outrageous he did not offer any solutions and would not attempt to help me in any way with this. 

The loan currently before any payments have been made stands at the balance of XXXX. This is set to go up at 499 % each month. There is no way anyone can pay this exorbitant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
When i got my stimulus check it was not direct deposited. I physically took the check to the teller and advised that i wanted a XXXX deposited to cover the overdraft funds and other bills and the rest of the money was cash in hand. 

They just notified me a week with an email ( mind you they spam your email so who is really going to open email ) but i went through the email cleaning it out and noticed that it said they were taking XXXX from my account. I emailed them back letting them know i had no idea what this was and to please take it off because i didnt agree to any of this. 

A week goes by and i decide to call because there has been no response. I was advised that it was a courtesy credit for me to have my funds available immediately. This was not communicated during the transaction in person. If it was i would have told them no i dont need that because i have cash in hand and im fine. After speaking with the rep she advised there was no notes stating it was discussed or that it was added and they couldnt reverse it. I then asked for a supervisor. 

The supervisor i spoke with was not friendly at all. I explained to her that this is not right. I took the check knowing and willingly to cover the overdraft charges plus a little extra and the rest in cash to pay off bills. This was never discussed and replied back to the email. Her reply well you can reply back to the email. I said maam if this is the case why not put something like DO NOT REPLY like all companies do when you are not to email you back. I advised this is wrong on their end because they put something on my account without my knowledge or agreement to. 

The credit was not added before i made the deposit but the very next day. Why would i need the credit i have my account back in positive standings and if you did put the credit why not get your money the same day you put it on there seeing i had more than enough to cover that credit instead of sending a email a week before you are taking the money. 

This is not how veterans and their families are supposed to be treated, I work for the state of Tn and As a company you are to let the consumer know what is being done before it is applied. So my family is looking at it worried because this is our funds to pay bills our rent lights with 4 children and they dont care at all when this is their fault not ours. 

The bank is navy federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I was half sleep and a woman who was rushing me all day to do this money thing kept blowing up my phone asked for my info and i wasnt paying attention to what she said but i gave her the password and last 4 of my social and my dob and I thought I could trust her but then i wake up about 30 secs layer with her not to be found and me locked out of my account. After i tried all night to grab the XXXX dollars from my debit card but it didnt work bc the card isnt available anymore they most likely have applied for loans within my account when i dont apply for any benefits or loans within my bank and its Navy fed

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 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FROM YOUR COMPANY. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 BANK USA, NA OPENED : XX/XX/XXXX AMT. XXXX CAPITAL 1 DATE OPENED : XX/XX/XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 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: NJ

Complaint narrative:
XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$180.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of an online scam and lost {$7500.00} in XX/XX/2021. I filed a claim with my bank ( Bank of America ) that month but they will not help me because I authorized the XXXX transactions. I received a letter from the bank on XX/XX/2021 stating that the claim was denied. I trusted my bank to process the transactions expecting some type of protection, yet they have given me their back. Online scams must be stopped and the banks/XXXX are not helping at all!!

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 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have never heard of this company nor have I had a contract with this company. They have negatively put this on my credit and have lowered my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I have submitted numerous disputes with Calvary Portfolio Agency to clear a debt that it not mine and I never received any written notification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I used a google gmail account for many years and it was saved on my phone. However upon a new phone update it now has locked me out of this account. I have tried resetting it but a technical glitch is preventing it from unlocking. It sends me the codes to enter but then requires I click a link in the aforementioned locked out email to complete the unlock request. This technical glitch is a redundancy error on googles end with no redemy. They do not have phone support to unlock email the site says and nobody to contact. I spoke with a judge and attorneys who pointed out google is legally required to produce the contents or a work around. This is because the information within the account is needed for court. Please provide me the records subpoena request instructions that your company has. Please also initiate this process. I can provide all the proper identification necessary as far as physical ideas. What is needed to subpoena the contents and unlock this email? Is there a work around? I have several disputes needing these email exchanges for court. Please assist. The email is : XXXX that needs this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. It was financed through Chrysler Capital. The account number is/wasXXXX. I was a XXXX XXXX in the XXXX XXXX at that time and had let my father handle my finances while I was working in the legislature including paying bills such as this. My family learned he had XXXX XXXX XXXX in XXXX of XXXX and that he had not been paying my bills due to the memory issues. I immediately called Chrysler Capitol as part of trying to address this and other bill issue. The loan was 90 days late at that point. I explained the situation to Chrysler Capital, I paid to bring the loan current, including the late fees, and put the loan on an automatic payment plan. I was not told there was a problem with my loan and there was no effort ever made to repossess the vehicle. I made onetime payments for the next 3 years until XXXX of XXXX when I checked my credit and discovered that the loan had been charged off in XXXX of XXXX. I was never given any notice of this or any opportunity to pay off the vehicle, refinance with another lender or otherwise correct the problem before there was a charge off. There was never any attempt to repossess the vehicle. Yet Chrysler reported the loan as charged off for 2 years, did not report anything for an additional 3rd year and had the balance listed incorrectly. All the while they were accepting my onetime payments and making interest off the loan while at the same time writing off the loan on their taxes. This greatly impacted my credit score and my ability to get a home loan. I tried, unsuccessfully, to get the matter corrected. All they did was to report the additional months of the loan being charged off and corrected the balance to show the lower amount from 3 years of on-time payments. That actually made my credit score worse. I ultimately paid off the vehicle in XXXX of XXXX to avoid further negative reporting. They should not have been able to both charge off my loan and accept payments onetime for 36 months after the charge off and report my loan as charged off each month. They basically got to double dip by getting the loan payments and interest - on time and got the tax write off for charging off the loan while negatively affecting my credit all that time and for the foreseeable future. I am seeking to get the negative reporting removed as the I was never given notice the loan was charged off, never given the opportunity to sell, pay off or otherwise prevent the charge off and I made the onetime payments for the 36 months after the problem occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I contacted Experian by mail with dispute/methods of verification letters asking them verify/validate a collection deb they say is accurate on my credit report with XXXX XXXX XXXX XXXX on XX/XX/2021. In return, they sent me a copy of my credit report with no documentation supporting their methods of verification of how this account is mine. Also, they sent an email stating this account is mine and accurate. Experian sent no contact information of who they spoke with at XXXX XXXX XXXX XXXX and did not give supporting contracts with this company. I am continuing to dispute XXXX XXXX XXXX and Experian because they both are continuing to report this account as open and accurate on my credit report without any justification and my legal rights to obtain all of their supporting documentation that legal indicate this account is mine.

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 2021-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Filled out online application with marcus.com ( Goldman Sachs Group , Inc. ) for their High-yield Savings Account on/about XX/XX/2021. Received message that they " need a bit more information before we can continue the review of your application ''. 

Realized this might be due to credit freezes that I have implemented at all three major credit bureaus, so I temporarily lifted the credit freezes at the three major credit bureaus. 

Called the bank on XX/XX/2021 to complete the application process. Was denied an account, and was told that I could not be provided a reason for denial. Terminated the call. 

Performed research to find that I am due a reason for denial per the Fair Credit Reporting Act. Called the bank back on XX/XX/2021 and requested to speak to someone about the reason for denial, based on the requirement for the bank providing that information to me per the Fair Credit Reporting Act. Supervisor XXXX told me at approximately XXXX XXXX on XX/XX/2021 that their decision is not based on credit reporting, therefore they are exempt from the Fair Credit Reporting Act. They were unwilling to provide a specific reason for their denial, citing company policy as the reason. They were also unwilling to provide opportunity to provide additional information in order to better verify information provided in the application. Supervisor XXXX stated specifically that their decision is not based on information provided by credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We were under a repayment plan 5 months ago. Only had 2 more payments to make under the repayment plan. I called to see if I could pay the regular payment instead of the full repayment plan. The representative said they could not take that payment and suggested we do a short forbearance. We requested a forbearance period in XXXX. From XXXX til XX/XX/XXXX is the forbearance. I called today XX/XX/2021 to let them know we could continue the repayment plan XX/XX/XXXX. I was told in order to restart the repayment plan we needed to pay {$7000.00} upfront and restart the payment plan for 5months. If you requested a forbearance why do they think you would have {$7000.00} available???? Is it their way of putting the house in foreclosure??? I suggested we could probably have {$3000.00} down payment but that is not enough. Our only option is to do a modification???? 
We really don't need a modification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
1. On XX/XX/2021 - I opened a XXXX Checking account online at XXXX and applied a coupon. The coupon is : Make two separate {$1000.00} deposits and get {$400.00} bonus. Here are the details about the coupon recorded by a third party. https : XXXX XXXX. On XX/XX/XXXX - I deposited the first {$1000.00}. 
XXXX. On XX/XX/XXXX - I deposited the second {$1000.00}. 
XXXX. In early XXXX ( before XX/XX/XXXX XXXX - I called the Capital One customer service. I was told that I have successfully applied the coupon and the bonus would be in my account before XX/XX/XXXX. 
5. In early XXXX ( before XX/XX/XXXX XXXX - I called again and they told me the bonus will be in my account before XX/XX/XXXX. 
6. On XX/XX/XXXX, I called again. This time, the specialist told me I would not receive the bonus because I was not qualified for some reason, but the reason was unknown. 

Based on the above facts, I believe it's totally fraud and thus report it here.

Company response to consumer: Closed with monetary relief