vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am an XXXX XXXX XXXX XXXX and have been living in MD since XXXX when I arrived there on my first assignment. I purchased a home in XXXX, MD in XX/XX/XXXX just before the housing crisis. By XXXX, the market had completely crashed and I decided to move out of the area. I have owned the home for over 12 years hoping that the market would recover and I could sell, but it never did. Over the years I have lost a tremendous amount of money managing the home as a rental - losing money on rent, dealing with tenants who refuse to pay, break -ins XXXX damage to the property, crime etc ... recently I tried to list the home for short sale. However, due to market factors that are out of my hands this is not a viable option. I believe that returning the collateral back to the bank through cash for keys or deed in lieu of foreclosure is the only way to settle this matter. I did not make my XXXX payment as I was planning on starting this process with the bank. When I got paid on the XX/XX/XXXX, I transferred my money to a different banking institution. Despite the fact that I had a pending transaction and had shut off my payments to my mortgage, Navy Federal Credit Union took it upon itself to withdraw money from my account in an unauthorized transaction. I called the bank and disputed, but they refused to return the money. I received many harassing phone calls during the weeks I was delinquent and constantly reminded that I owed the money. On the XX/XX/XXXX, I went to the bank to communicate my intentions to give back my keys and return the collateral through one of the aforementioned programs. When I arrived, I was told that there were limited services due to COVID-19 policy and that they would not allow me to speak to an associate regarding a mortgage. I told her it was imperative that I speak to someone. She insisted that I disclose details of my issue in front of other customers waiting in line ( clearly a private matter ) and that " they don't resolve any mortgage issues at local branches ''. I was finally allowed in after calling the banks mortgage service from the parking lot. I have been in good standing with this mortgage for over a decade, but I feel that owning the home is no longer tenable due to the financial and emotional burden it has placed on me and my family. I am absolutely appalled by the banks general demeaner and attitude towards me and feel it is necessary to settle this matter before I retire from XX/XX/XXXX in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have been a customer of Citibank of over 12 years. I have an excellent payment history, and aside from a few occasional instances where I have missed a monthly payment or paid late, I have been consistent in paying my balances off in full. 

My credit limit as of XX/XX/2020, when I made my last payment in the amount of {$9200.00}, was {$15000.00}. On XX/XX/2020, Citi unilaterally lowered my credit limit by {$15000.00} to {$300.00}. I did not receive any correspondence other than a letter placed in my online portal. Because I was not paying attention closely to this other than making payments, I did not catch that because of the change, my credit utilization went from 0.5 % to 35 %. As I continued to spend on my card without realizing the near 100 % drop on my credit limit, my credit utilization hit 100 %. When I missed my XXXX payment, my credit utilization went up to 109 %. 

I tried calling Citi to complain and have them address and received no help. First they told me it was due to a returned payment, but I have not had any returned payments and they could not furnish any proof. They only said it had happened in the past and they did not have access to it. They refused to reexamine my credit limit and refused to contact the credit agencies to clear up the issue that has now damaged my credit score. 

I was then told it was because of a LATE payment, but they refused to identify which payment was tied to the decrease. They would not give any explanation why they would decrease my limit by pretty much 100 %. 

I am done with Citi as a customer, but I need help making sure this will not permanently damage my credit score. I am concerned that since my Citicard is my oldest account, my credit score will be damaged because the average age of my accounts will go down. I also would like to apply for a different credit card, but because of my credit score,  I am locked out of some of the better cards available for at least the next 29 days. Citi has refused to help in any way, they passed me around from person to person with no help and finally just left me to write some obscure department if I want them to address this with credit agencies.

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 2020-06-10 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: USI Solutions Inc.
State: CO

Complaint narrative:
I received a letter in the mail saying that I owed on an account that I never had. They are trying to get me to pay a reduced amount for the whole of the account. They sent a fraudulent bill. I checked my credit report and the account is not there. I am contacting this department to report them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. XXXX-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 explanation
Consumer complaint received 2020-06-10 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: CA

Complaint narrative:
XXXX XXXX XXXX THIS ITEM REMAINS UNVERFIED. THIS ITEM IS IN CLEAR VIOLATION OF 609. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT SECTION 168I, YOUR COMPANY IS REQUIRED TO DEMAND THAT THEY DELETE THE ITEM.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2020-06-10 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: GA

Complaint narrative:
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under  dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.

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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been using Paypal 's service for many years since I have been selling on XXXX. They have an unfair monopoly for which I do not have a choice of alternative to use. They have taken many many fees from me including fees for buyer returns which is unfair! 

OnXX/XX/XXXX a person used their service to pay me {$100.00} twice for a total of {$210.00}. It went through fine. Then I log in almost 60 days later on XX/XX/XXXX and I see it is taken back by someone? I didn't even know it was possible to take it back. There are no buttons showing for me to take back my payments. I thought once someone pays you it is final. It should be. I tried to ask them what is going on and I can't use my account because it is negative. Furthermore my ongoing XXXX sales are linked to this account and it is causing me headaches and suffering and time over this! 

I called on XX/XX/XXXX and spent 15 minutes holding and going through their hoops of recordings and then they hung up on me. I went to their website help and they say they only have offshore chat! Why is this allowed when they are a US company and in financial industry is an essential business? They are making many profits and they are completely negligent in servicing their customers which is a violation of their terms! I demanded they have a supervisor call me on the phone so I could get resolution for this situation. The said there is none. I don't even know what is at issue to be able to provide my evidence which I have in emails. I can't wait months and months. Paypal service is an outrage! 

My email account is XXXX Case ID : XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One was notified of hardship due to Covid 19 pandemic when asked to defer payments this was denied. Complaint made with CFPB regarding this on XXXX this was no help. Today XXXX reached out again to make arrangements was told by customer service that his manager gave permission for 2 payments to be deferred but a regular payment was needed. Not only did we do regular payment of XXXX but an extra XXXX was paid once this was paid they said they couldnt defer the 2 payments. This conversation per recording and customer service rep was being recorded and my husband was also part of this conversation. We were told there was nothing they could do for us other then a month. Was then transferred to a different department an account specialist they too said it was a company guideline. So again we were taken advantage of. We tried making arrangements as well as as given XXXX plus dollars that during this time is difficult to do and to be told they would help and deceived of to get money is unacceptable. Something needs to be done!!!! Acct number for our loan is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am waiting on an approval from Capital One Auto Financing to get a car from XXXX of XXXX. The issue is, I had an extended credit alert ( Had it removed ) and the phone number on file is wrong. I recently had it updated and the correct number is XXXX. Capital One keeps calling the number listed on the file which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. Ally is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. 

On XX/XX/2019 I entered into contractual agreement with Ally to extend all past due payments for 2 months from the date of XX/XX/2019 forward. 

The Ally manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. 

For 6 months Ally has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of Ally. 

Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thrift Investment Corp.
State: MD

Complaint narrative:
Thrift Investment and XXXX XXXX  are reporting on XXXX. These accounts are old and need to be removed. Last pay for Thrift Investment was XX/XX/XXXXand XX/XX/XXXX for XXXX XXXX. Time elapsed and should be removed from credit bureau.

Company response to consumer: Closed with explanation