vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
My bill was due on XX/XX/28 and I paid it in full on XXXX. The statement closed a few days later and I was still charged interest. I paid double the statement balance and still charged interest on what I had already paid. I chatted with amex this morning and they waived XXXX of interest but not anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: IN

Complaint narrative:
XXXX  disclosed a collection agency by the name of AFNI, INC reported a debt the month of XX/XX/2020 on my XXXX credit report but it shows the account opened XX/XX/2020 ( via XXXX  ) without written notification about the debt which was previously deleted and is now re-aged. I also initiated a dispute XX/XX/2020 and the company has still failed to disclose the original documentation, bearing my signature, of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX I hit a deer on my way to work and I had insurance as well so the insurance did there part and paid but for some reason the bank ( XXXX XXXX XXXX ) in XXXX XXXX said they never received the payment. So I have been back and forth with the bank and insurance company about this and now I notice that the bank has put this debt on my credit so I called the bank and the insurance on a 3-way call and got to the bottom of this so come to find out the check was at the bank the whole time so the ending of this story is that my vehicle was wrecked then the bank repossessed the vehicle at the body shop and put the debt on my credit file now the worse part is that the bank found the check and took my vehicle and left me with nothing and ruined my credit so when I reached out to the bank they said that there was a left over balance but I had gap insurance and the Bank response was we reached out the company that carried your insurance but no answer so it looks as if I got the screws on this but I'm not taking this and this has a negative impact on my credit and I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA
State: CO

Complaint narrative:
This reporting is in error. Yamaha never serviced this account but instead had a 3rd party processor who was never disclosed. Over the life of the loan, which has been paid off as of XX/XX/2020, I never received a single notice of past due or late payments via any means. After calling Yamaha when this was reported to my bureau they said the balance was in fact XXXX  and showed no outstanding balance or delinquent balance. Further, they issued me a refund check in XXXX for an over-payment of {$15.00} on XX/XX/XXXX. How could I have a past due, outstanding balance when they issued the payoff value, never notified me of any payment issue and sent me a refund? The payoff was made, in full, back in XX/XX/2020. My bureau shows all payments in green status of paid since the servicing was changed in XX/XX/2020. This is an unfair credit reporting act and there is no data to substantiate a late pay or past due balance at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I currently have federal student loan debts through Navient. During the CARES act it appears I was charged interest on two separate occasions ( {$1.00} on XX/XX/2020 and {$1.00} on XX/XX/2020 ). While I know the aforementioned amounts are very small I am confused as to why I am being charged interest and curious if there are other people Navient has charged interest to during the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
3 Saturdays ago, I attempted to cash a check from the state of Texas. Previously, I direct deposited several of the same checks from the same entity. When depsitied, I was told by the ATM I would have the funds by Tuesday. I never got access. Still don't. 

I was told after several calls that week that week there was an issue with the check. XXXX made no effort to contact me. When I asked about it, they told me the call moved the process of sending the check to me forward and to wait ten business days. 

Its been a month. Where is my money?

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
THE LOAN SERVICING COMPANY OPENED AN ESCROW ACCOUNT WITH OUT ANY AUTHORIZATION, THEY STATE THAT THEY PAID THE PROPERTY TAXES AND THATS A LIE, THE XXXX XXXX XXXX TAX COLLECTOR SENT AS AN EMAIL LETTING US KNOW THAT THE TAXES ARE DUE. AND ONE OF THE LOAN SERVICING AGENTS NOTIFY ME THAT THE XXXX XXXX XXXX HAD RETRNED BOTH CHECKS BACK WITH OUT BEEN CASHED. AND THEY ARE STEAL TRYING TO FORCE US TO PAY ESCROW AND WERE NOT GOING TO DO SO.AND WILL LITIGATE THE MATTER FURTHER. AS THIS IS DONE IN BAD FAITH WITH INTENTION TO DEFAULT AND STEAL THE PROPERTY AS THE BANKS DID IN THE 2008 MELT DOWN. WHERE GOVERNMENT DID NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: GA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

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 2020-10-16 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: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
Charges on this account was due to fraud. I tired to reach out to company to fix this. But thwy sold my account to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
After Hurricane Sally, I received several texts and instant messages on the USAA app regarding the bank offering assistance to its members impacted by Hurricane Sally.  For background, my house and neighborhood took a direct hit from the Hurricane ; I had spent over {$3000.00} out of pocket in additional clean-up expenses leading up to my request with USAA. Also, I have been a member of USAA for 27 years. When I contacted the bank about taking advantage of such assistance, the very assistance they solicited me to take advantage of, and even limited my reasonable request to only a two-week payment extension for my consumer loan, I was told that USAA was not offering any assistance. After I pointed out that I was contacted by the bank ; that they advertised the assistance ; they then came back and said that my zip code was not in the disaster area. After I responded that not only was my zip code in the disaster zone but I also had letters from FEMA and SBA as proof that I was officially declared within the disaster zone, they came back and said that USAA was not currently offering any assistance for Hurricane Sally victims. They sent me the attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America advertises very clearly : " 3 % cash back in the category of your choice : gas, ONLINE SHOPPING, dining, travel, drug stores, or home improvement/furnishings '' For the past 2 years I have been using my BofA mastercard for doing online shopping believing that I was receiving the 3 % advertised cash back reward for my online purchases. 

According to the XXXX XXXX : online shopping ( noun ) : the action or activity of buying goods or services via the internet. 

This is pretty clear and obvious. However, BofA has a slew of exceptions as to what it considers " online shopping '' For example, I ordered a set of contact lenses online. Through an online merchant. I engaged in ONLINE SHOPPING. However, BofA essentially excludes anything remotely related to a medical purchase as being eligible for the online shopping reward despite the purchase obviously being an act of ONLINE SHOPPING ''. 

The rewards page gives example of merchants where the 3 % rewards bonus can apply. Such as XXXX, XXXX, XXXX, etc. This is also misleading to the customer as all those merchants have their own car each at 5 % cash back and FREE SHIPPING. Why would a consumer benefit in using the the BofA card when they receive a higher benefit from using the merchant card? 

Hiding these details and labeling this benefit as for ONLINE SHOPPING is deceptive, manipulative, and most likely illegal. This benefit should be called " online preferred merchant reward '' but of course that would not attract as many unknowing customers. 

As further proof see the comments on this site : https : XXXX # comments Over 200 comments of people trying to decipher what counts as " online shopping '' and what doesn't. This is intentionally misleading the consumer. This is in no way an " online shopping '' benefit. It's a preferred merchant benefit that's advertised in a way to mislead the consumer.

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 2020-10-16 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, XXXX has me a XXXX and XXXX has me at XXXX. Even my bank which I have a credit card with is showing XXXX at XXXX. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on XXXX  score. I sent this letter on XXXX to JP Morgan : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my XXXX  score is XXXX. 

I have zero collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX None of my credit cards are over limit I will be contacting XXXX, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander used deceptive auto financing tactics to engage sub prime consumers. On XXXX XXXX, Maryland attorney general XXXX announced a {$550.00} XXXX dollar settlement with Santander Auto financing. For consumers who defaulted on loans between XXXX XXXX and XXXX XXXX, the assumed loan was taken out on XXXX XXXX. Per this law suit any loans taken out by any consumers during this time period will be forgiven. This notice will be sent to the consumer protection division at XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-16 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: GA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account XXXX. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, On XX/XX/XXXX, I made my first mortgage payment on time in the amount of {$2400.00} and also included an additional principal payment of {$45.00}. These initial mortgage payments were made to XXXX XXXX XXXX my initial mortgage provider ). 

My loan was then transferred to Lakeview Loan Servicing , LLC. My principal balance with Lakeview Loan Servicing does take into consideration this additional payment Lakeview Loan Servicing states my principal balance after the first payment is {$430000.00} XXXX  stated my principal balance after the first payment was {$430000.00} I have called both parties and written to them and have been ignored saying the issue can not be fixed. 

Kindest regards, 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 2020-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
The company closed my account in response to my previous complaint. No worries, y ; all XXXX  anyway. 

I'm glad the relationship is over, however I still don't have a resolution to my complaints regarding fraudulent transactions on XXXX. Two tansactions totaling XXXX dollars were " investigated '' but no results or funds were ever provided. I was complaining about the lack of resolution, how ironic they closed the account, WITHOUT TELLING ME, about that complaint. Call me, begin a complaint, then never complete it. But you closed the account. 

Where is my money? How long does it really take to investigate a non-delivery? It has been well over the 120 days indicated, again, how does it take that long? Yall are XXXX. Give me my money. If you're reading this, close your account, or never open one with them. They are the absolute worst.

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 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
Loan was applied for Online company name Net Credit on XX/XX/2008 {$3600.00} ; loan does not belong to me, indicated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Allied Collection Serv Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

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 2020-10-16 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: GA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

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