vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Island Portfolios Services, LLC
State: PR

Complaint narrative:
I have received XX/XX/2022 documentation indicating that a judgment to execute garnishment for the Amount of {$14000.00} at a rate of 4.25 %. This may also includes seizing any assets and or bank accounts. I have no idea who is the plaintiff and what is the debt for. Try to contact but no answer to the phone in record. Name of the Company is Island Portfolio Services, LLC. Representative of XXXX XXXX XXXX, XXXX. Name of the agent is XXXX XXXX, address of record is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I wanted to add that I am veteran receiving XXXX benefits from both the Veterans Administration and Social Security Administration. This situation is creating a hostile environment and uncertainty of my care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays claims I owe money. In fact I paid this debt to XXXX prior to Barclays taking over the XXXX Credit Card XXXX from XXXX Banking. I previously filed a complaint with the CFPB ( XXXX ), but the description of the CFPB complaint and resolution according to CFPB doesn't define the problem and the issue certainly should not be considered resolved. Attached is the letter I transmitted to Barclays requesting action to resolve the issue. 

XX/XX/2021 -- I received a statement from XXXX indicating I owed {$310.00}. 
XX/XX/2021 -- I mailed a check ( # XXXX ) to XXXX for {$310.00} to clear this debt. 
XX/XX/2021 -- XXXX deposited check ( # XXXX ) electronically to their account. Please see the attached copy of my XXXX XXXX XXXX Bank statement for documentation. I have redacted my checking account number for confidentiality. This means the debt was cured on this date and therefore no longer existed after this transaction. 
XX/XX/2021 -- Barclays takes over administering the XXXX XXXX XXXX. 
XX/XX/2021 -- Barclays processed a withdrawal from my checking account for {$310.00}. 
XX/XX/2021 -- XXXX XXXX XXXX Bank approved my request to credit my checking account regarding erroneous Barclays ACH transaction. 
XX/XX/2021 -- Barclays wrote that I was now subject to interest, penalties, and fees because of late payments on the {$310.00}. 
XX/XX/2021 -- I notified Barclays of their mistake and asked for correction. 
From my perspective the {$310.00} debt was cured on XX/XX/2021 when XXXX electronically cashed my check. The facts are clear that Barclays has no standing on the {$310.00} to demand payment.

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 2022-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing this complaint because my financial reputation is being ruined by false and misleading information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
For about 2 years ever since I got a new phone number I've been receiving calls for someone else 's debt, repeatedly I've told these companies that the number is false and to take my number off of their call list but they won't stop. I feel like someone is using their previous phone as fraudulent information to take out loans. 

Most recently I've received almost daily called from this " XXXX XXXX XXXX' Phone line, when asked what their company was they said " Phoenix Financial Services ''. I've told them to stop before but they keep calling me over and over. I don't know how to report this person, but they tell me the name of the person when they call me I just don't know how to spell it. The people are very rude, and refuse to help me and keep calling. I've also asked for who exactly is using my phone and they say the name, don't spell it and try to rush me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America offers credit card pre-approval at the following website https : XXXX This is actually a fake pre-approval as erroneous information can be entered and it will still recommend you apply for cards. They do not actually do an inquiry of any kind. 

I've contacted Bank of America on this, requesting that they remove two previous inquiries done on my credit report, based on the fact that this is a fake pre-qualification, as I thought I would have a good chance of being approved because of this fake pre-qualification. I did this through the XXXX XXXX XXXX  and Bank of America sent me a letter back saying that the inquiries are going to stay on my report. 

I don't think it is right that Bank of America pretends to do a soft inquiry on your credit report and suggests you apply for credit cards when in fact they are actually doing nothing. For folks such as myself who are trying to improve their credit scores this is harmful. If I had to guess I would say it is cheaper for Bank of America to not do a soft inquiry on your credit report and simply have everyone apply instead.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
affrm.inc has debt collection on my credit it was fraud my debt amount at XXXX and hey not do the right thing to do clarify it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters are not in compliance with FCRA. They are reporting two debts on my XXXX credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with NCA & XXXX. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: OH

Complaint narrative:
I currently have an ongoing dispute with Equifax due to their inability to show accurate information on my credit report compared to the other two agencies. Equifax has since been in the news regarding allegations I alleged in my previous complaints associated with my credit report. Since monitoring my report in XXXX of XXXX, I had a score that was in range with the other two reporting agencies, and since XXXX of this year, my score has dipped by 25-30 points compared to the other two agencies. Plus, Equifax will drop my score by at least twenty-five points compared to the other companies that might have it drop by XXXX points for an inquiry. Plus, since having made several payments on time with my credit cards that are not the best, Equifax will list payments late while it will report to the other companies on time. I have a small business, and Equifax gives an XXXX grade with the same information reporting to XXXX, who gave me a XXXX rating for a business with the same reporting information with credit. Equifax lags behind the other two agencies with reporting information accurately, and I did receive a denial letter for working capital, and it stated that it was due to missed or late payments and derogatory neighborhood for the denial of working capital information was provided to the lender from Equifax. There are concerns with the reports but nothing as blatant as the incorrect reporting of information as it appears with Equifax. 

Please, I have a daughter whose name is XXXX XXXX XXXX, and there have been several attempts to merge the files again with her previous addresses to mine. Her birthday is XX/XX/XXXX, and mine is XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she is XXXX XXXX XXXX. I am XXXX XXXX XXXX her name is not an alias for me ; she is my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

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 2022-08-08 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: TN

Complaint narrative:
I have sent my disputes to XXXX on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-08 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: TN

Complaint narrative:
I have sent my disputes to XXXX on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My wife made a double payment for our Barclays XXXX XXXX on XX/XX/2022 ( the due date ). It was posted and marked received on Tuesday, XX/XX/2022. No late fees. 
On Thursday, XX/XX/2022, I checked the " current balance '' and it said {$5600.00}. I paid the amount in full on Thursday, XX/XX/2022. It was posted and marked received. 
On Friday, XX/XX/2022, there was {$100.00} in " interest charges ''. 
I contacted the company through chat on Sunday, XX/XX/2022. I was told that it was a previous unpaid amount- and then later told it was a late fee. 
I checked with my wife and saw that we were not late, that she, in fact had paid a double amount on the due date. 
I contacted the company again through chat today, Monday, XX/XX/2022. I was told that it was interest charges. I asked why they were not reflected in the posted " payoff balance '' and XXXX told me that it just wasn't. I said that if there are fees or charges that are not listed in the payoff balance that shouldn't that be fraud? She said no, it was a valid interest charge. I asked her for the payoff balance today to pay off the card and close the account. She told me {$100.00}. I asked how was I supposed to trust that I pay that off today and then have another {$50.00} " interest charge '' tomorrow. How can you trust a company if they post a payoff amount, but can arbitrarily charge " interest fees '' without proof the next day?

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 2022-08-08 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: NY

Complaint narrative:
2 main issues - 1XXXX XXXX overcharged me for a room that was posted as a 1 bedroom, 1-1/2 bath apartment. It turned out to be 1 room with 1 bath. Also, the furniture was broken and it was not clean. I am seeking a refund of {$620.00}. I have sent the documentation to Capital One multiple times but they deny that they have received it. I am attaching pictures of some of the problems. 

2- Car Rental As a tourist in XXXX XXXX I am not required to pay VAT on rental cars. Also, in 1 case I was charged {$1300.00} instead of the quoted amount of {$1000.00}. Again, I have sent the documentation multiple times and Capital One denies receiving it. I am attaching documentation here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. I transferred the money without difficulty to a bank card. 

On XX/XX/XXXX {$100.00} was transmitted to me via VENMO. When I attempted to transfer the money to a bank card, I was unable to ( and continue to be unable to ) because VENMO froze my account. 

As of today, XX/XX/XXXX ( 10 days ), I have communicated with them every few days via email, the only way to contact them in case of a frozen account. Following are the issues I have with VENMO : - I have repeatedly asked VENMO via email to describe precisely why my account was frozen which has not yet been provided in any shape or form. 
-My money has now been unavailable to me for 10 days ; and I am in desperate financial straights. 
- I submitted a requested document ( a valid ID ) to them per their request and yet nothing has been resolved. 
-VENMO has published that their response may take as long as three weeks, which is outrageous.

As far as I am concerned they are essentially " stealing '' my money by freezing my account, perhaps to cover some financial distress they are experiencing. I have followed all VENMO instructions and reviewed all help content they have identified, none of it is of any value so far for informing why my account is frozen, what I can do to unfreeze it or the unethical, harmful long duration to their supposed resolution of my problem will take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
XXXX Claim number. 

I requested my card be closed. I have not received any information on if the dispute is taken care of. I did receive a letter from Commenity Bank with charges of XXXX late charge and interest charges. Now the total bill is XXXX. They also added all the Credit Bureaus at the bottom. This I take is a threat. Is this really a bank??? I have never delt with any banks like this. I finally read all their reviews and they are the worst company How can I get thru and talk to someone that can handle this? I have talked to them so many times after a wait of 1 hr or more. I ask for a supervisor they put on someone that knows NOTHING!! How can I deal with people like this? Should I get an attorney? Please advise! 








1

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The mortgage loan is on my mothers name but deed is on my name. This mortgage was transferred from my name to my mother by a fraudulent mortgage broker who was indicted and sentenced by attorney general Massachusetts. Few months before my mother passed away last year, I have been negotiating a payoff from the PHH mortgage and they agreed to do a principal reduction payoff and gave me a {$450000.00} as a payoff from {$650000.00} principal balance. I am XXXX XXXX XXXX and tried to pay my mothers loan by doing a reverse mortgage. When I came to the closing I was informed that there was a lien on the property that needed to be removed. It took a month to get the lien off the property and in the meantime the {$450000.00} payoff expired and ever since last year XX/XX/2021 I have been asking them for an extension. They refused and wanted me to do an appraisal which I did. Now they want 90 % of the value of {$950000.00} as payoff instead of the principal balance. I have all the correspondence they sent me. At my age XXXX how can I get qualified for {$900000.00} payoff the existing mortgage. They are just playing games and more focused on foreclosing my property. Hope I can get some help and would be much appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards XXXX. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. Those facts are : 1. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 2. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was 3 weeks after the charge occurred, well within the time-frame allowed to report the fraud. 3. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 
4. I was never sent any information on why this dispute was reversed.

Update : 5. On XX/XX/XXXX I did finally receive a letter from Bank of America explaining why they " did not approve my recent claim ''. The letter says : '' We made this decision because : After you submitted your claim, you later confirmed that the charge ( s ) were valid. '' This is completely false, I never once claimed the charges were valid. 
6. I spoke with an employee from Regulatory complaints operations on XX/XX/XXXX. She was very helpful. Although I never received her call extension, or information to contact her so I can provide additional information.

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