vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO
State: TX

Complaint narrative:
On Sunday, XX/XX/2020, while checking my on line bank account with Firstbank i noticed 2 unauthorized transactions. The transaction amounts were for {$240.00} and {$300.00} and were from XXXX. I immediately contacted Firstbank in Puerto Rico by phone. I was told by a customer service agent that the bank was unable to stop the transactions. The bank customer service rep told me I would need to wait till the transactions processed and to call the bank back on Wednesday, XX/XX/2020 to submit a request to investigate the transactions. 
I followed the bank reps instructions and called backed on Wednesday, XX/XX/2020. The bank rep that I spoke to took my statement and cancelled my Visa debit card ( XXXX XXXX XXXX XXXX ). 
I also mailed a letter on XX/XX/2020 to Firstbank Customer Experience & Problem Resolutions Dept in Puerto Rico asking them to reverse the fraudelent charges. 
On Wednesday, XX/XX/2020 I called Firstbank in Puerto Rico for a status on my claim and the representative told me my claim was denied because I had not cancelled the debit card the transactions were made on. 
I requested to speak to a supervisor and i was transferred to Ms. XXXX XXXX. Ms. XXXX saw that the Visa debit card was cancelled on XX/XX/2020 and she submitted another request to their department regarding the fraudelent charges. 
On Friday, XX/XX/2020 I called Firstbank in Puerto Rico for status on my claim and I was told it was denied again because I had not cancelled the debit card and the charges were made in the area I reside in. The customer service rep did some additional investigation and found that the wrong debit card was cancelled and that the 2 transactions were atm withdrawals using my ATH debit card and my pin. The bank rep then cancelled the correct debit card ( XXXX XXXX ) and submitted a another request to their department. 
On XX/XX/2020, I received a call from Firstbank fraud department asking me if I tried to use the debit card ending in XXXX to withdraw money at an ATH machine and I told then it was not me. I also explained to them about the 2 fraudulent charges on my account. 
On Thurday, XX/XX/2020 I called Firstbank to follow up on claim and again I was denied because the card used for the 2 transactions was my debit card and my pin was used to withdrawal the funds. They also told me the transactions were done in the area I live in. 
Another request was submitted on XX/XX/2020.

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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: SC

Complaint narrative:
My charges on my background are not felonies! This is costing a job and XXXX for my kids. Please research before putting something on it. Check the levels they in between a ordinance and a misdemeanor, no where near a felony!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need to report a dispute with a credit bureau. I tried to dispute over the phone and in order to get to an operator you have to go through a verification process. I answered all questions correctly but, their system says I've failed the verification process, which is pure XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: GA

Complaint narrative:
I sent a dispute on XX/XX/XXXX and another on XX/XX/XXXX. I know the bureaus get an extension due to the pandemic, but I still have not even seen that they have begun investigating either of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from Target online using my target card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - 3 transactions of {$470.00} were executed for buying Digital gift cards totaling {$1400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed the transactions and gave me credit for this in the next statement.

4. To my surprise they again inserted these charges in the next statement sending me a letter on XX/XX/XXXX stating that these transactions were made by me. 
5. I called the Fraud department and they asked me to appeal against the decision.

6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim and when I kept on calling one of the representative asked me to fill a questionnaire to review the claim and he was surprised why I was not given this questionnaire in the first go. They sent me the questionnaire on XX/XX/XXXX which I filled and sent them along with Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. To my surprise the questionnaire was applied against a few legit transactions instead of fraudulent transactions mentioned above due to sheer negligence of Target.

9. Instead Target went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance. 
10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. I never expected this from a retailer who has been hit by a cyber breach in the past, I even went to XXXXXXXX XXXX XXXX  and they ignored my request. 

Request you to please help take it up with Target/ TD bank card services. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE
State: PA

Complaint narrative:
Im still waiting for Acre Mortgage to send over my appraisal. I requested this appraisal on XX/XX/XXXX but they still have not sent it. I almost loss my house because I missed my mortgage commitment and my settlement date was on XX/XX/XXXX. Why are they doing these things to me. I already sent them a written letter to send everything over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/20, my husband and I applied for an increase to an existing HELOC with Fifth Third Bank, from XXXX to XXXX. On XX/XX/20, we received an email that we needed to provide verification of reserves of {$7000.00}. On XX/XX/20, we faxed bank statements showing the reserves. Even though we showed adequate reserves, we were then told that a statement of other resources, like an IRA were needed. I provided my Thrift Savings Plan statement showing almost {$150000.00} in retirement savings and was told they would review to see if it was acceptable. On XX/XX/20, we followed up to see if any additional info was needed and was basicaly told no. On XX/XX/20, we received the appraisal of our home in the mail, so it seemed everything was in order. Why would the bank pay to have an appraisal done if something was wrong, right? On XX/XX/20, I get a call from my banker telling me that we must now show {$17000.00} in reserves and that my TSP nor my husband 's 401K could be considered because neither of us are XXXX XXXX XXXX ( our retirement accounts total over $ XXXX combined ). We were not told this at any point prior to XX/XX/20. Because we did not have {$17000.00} in our bank accounts, they denied the loan. We were misled to believe that we had what we needed and this loan was going to happen. It took them over 2 months before reversing their decision to honor our loan application. Either the employees involved lacked proper training or we were racially discriminated against, maybe both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
While I was XXXX, my passport and debit card information was stolen and used to withdraw over XXXX dollars from my PNC bank account. I have disputed the charges immediately upon XXXX, however the bank is refusing to return any of the funds because it was over 60 days. I could not dispute earlier because I was in XXXX. My passport was also used to go to a local PNC branch and withdraw XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I had a Navy FCU credit card account that was opened in XXXX and closed in XXXX. It had a {$1000.00} limit was closed with a XXXX  balance. They are reporting current use in XXXX and 120 days late with several payments in XXXX and XXXX. This is all completely false information and they refused to adjust my credit report. In addition, it now shows a recent payment of {$250.00} with I have no knowledge of and a current balance of {$2100.00} when the limit was only {$1000.00} when I had the account. 

I want this false information removed immediately as it has dropped my credit score by 100 points and is stopping my from using any credit whatsoever. 

Again, I closed it in XXXX, it 2as never late with a perfect payment history and closed with a XXXX  balance. 

If someone is using this account they should be prosecuted for credit card fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: AL

Complaint narrative:
Complaint ID XXXX On XX/XX/2020 I received an email saying ' The company has responded that it is still working on your issue. ' That has been almost 4 weeks ago. Now, it is time to pay my payment again, and I can't access my account. The following is from my account page online with Yamaha. 

HOMEPAYMENTSCONTACT USLOG OUT Account Home USER DETAILS Name XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AL Zip XXXX Email XXXX CURRENT ACCOUNT No accounts available to view. 

WHY IS MY ACCOUNT NOT AVAILABLE TO VIEW?? 

When I click on the payment tab, the following is the message I received.. 
HOMEPAYMENTSCONTACT USLOG OUT Payment Error Unfortunately we are unable to access your accounts at this time. Please call customer service for assistance. 

WHAT IS GOING ON??? 

MY PAYMENTS HAVE TO BE MADE ON TIME. IT APPEARS YAMAHA DOES NOT CARE ABOUT CONSUMERS WHO ARE PAYING THEIR INCOME. YAMAHA HAS EXHIBITED NEGLIGENCE IN THEIR RESPONSIBILTY TO CONSUMERS, IN THE RESPECT OF FINANCE AND THE CONSUMER HAVING THE ABILITY TO MAKE TIMLEY PAYMENTS..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX account is reported by collection agency without allow me to dispute it following FTC guideline for 60 days statutory period allow by law under Federal Truth In Billing and credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: FL

Complaint narrative:
I submitted to a background check however the report is not accurate and is someone else with the same information but that is not me. I have only one license not three.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: IN

Complaint narrative:
Contacted by letter XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX to verify debt. Did not receive response. I received a bill is all. Letter was sent on XX/XX/2020. 

On XX/XX/2020 I sent all 3 bureaus a Debt verification letter. XXXX removed these accounts after investigating. 

Trans Union Removed XXXX. 

XXXX did what they were supposed to do. They deleted Unverified account. 

XXXX, XXXX and XXXX XXXX XXXX verified the debt with XXXX when they were being disputed by me in writing of the debt. Which they never responded to me ever. They can not verify a debt with the credit bureaus if I am disputing it with them. 

XXXX initially removed XXXX XXXX XXXX XXXX for failure to respond in 30 days to their request. Then re added the account later saying it was verified. At this time I still have not received verification from XXXX. 

XX/XX/2020 I sent a letter to XXXX and Trans Union explaining I sent debt verification letters to XXXX and XXXX XXXX and had not received and the account should be deleted. 

XX/XX/2020 sent a letter to XXXX and Trans Union that added that I had been disputing XXXX XXXX XXXX for 3 months and Comments section did not reflect this and needed deleted. I mentioned they were using e Oscar to do the verification and they needed to delete. 

XX/XX/2020. Sent letter to XXXX about XXXX that I had been disputing this for 3 months. I mentioned that the comments did not reflect this. I asked for deletion. 

XX/XX/2020 I sent a letter to Trans Union about XXXX XXXX XXXX that I had been disputing this account 3 months. I said the comments do not reflect this. I mentioned e Oscar was being used. To delete this account. 

XX/XX/2020 I tried to dispute online these accounts and it says I can not dispute them anymore because they have been verified. 

All these accounts have not been verified by the creditor and I have yet to receive a response from them. XXXX and Trans Union verified these accounts at the same time I am disputing these accounts with the creditor. XXXX took XXXX off after they did not verify in time then re added after they verified late. XXXX and Trans Union are not reporting all my disputes in the comments section on these accounts. Now I am not allowed to report anymore on these accounts online. These accounts should be deleted due to violations of the FCRA. I have copies of all these letters.

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 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I noticed a {$95.00} annual fee on my American Express card. I used the online chat feature to address the issue. They said it is the annual fee for my card level. When I first got the got years ago, I specifically got it because it had no annual fee. While they will not admit it, they upgraded my card and started charging this annual fee without my consent. They said they will downgrade my card to the no annual fee version and will prorate the {$95.00} annual fee on my next statement. But I want to register this complaint anyway ... credit card companies should not be " upgrading '' consumers accounts and charging extra fees without their consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN

Complaint narrative:
We chose to voluntarily surrender our vehicle and contacted Prestige numerous times throughout XX/XX/2020. They refused over and over to accept the surrender. We forced the surrender on XX/XX/2020 and sent Prestige a certified letter stating our intention as well as left a copy of the letter in the vehicle that we surrendered. As of XX/XX/2020, our account was current. We did not have any late payments prior to the surrender of our vehicle. Prestige continues to post inaccurate information on both XXXX and XXXX XXXX XXXX credit reports. Prestige claims late payments on the credit reports, which is inaccurate as we surrendered the vehicle and ending our contract on XX/XX/2020. They are currently posting that the account is open, incorrect amounts due with late payments, both of which are inaccurate. We have disputed them numerous times and have given them chance to correct the information. They have refused to do so, continuing to make incorrect claims on our credit reports. As of XX/XX/2020, we have not been given notice of the sale of this vehicle and a final balance and Prestige continues to manufacture information and fraudulently report on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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 NEW YORK MELLON CORPORATION, THE
State: UT

Complaint narrative:
My XXXX account had fraudulent charges on it from starting on XX/XX/2020 for {$69.00} then one for {$50.00} on the XXXX, then one on the XXXX for {$85.00} then their was 3 on the XXXX for {$69.00}, {$85.00}, {$85.00}, then 3 more on the XXXX for, {$58.00}, {$85.00}, {$100.00}, and then 2 more on the XXXX for {$85.00}, {$100.00}, and then 4 more on the XXXX for {$58.00}, {$85.00}, {$85.00}, {$100.00} then the last one was done on the XXXX for {$50.00}. So their was 16 unauthorized charges taken from my account. I contacted XXXX right away and they helped me get a new card and password reset and then they submitted the form for those fraudulent charges. The lady on the phone said that i would be receiving the money back within 10 days. I hadnt heard from them or seen any changes to my account so I called them again and they said it would be resolved and it should be on my account on XX/XX/XXXX. However, I ended up getting a letter from BNY Mellon saying that they have investigated the charges and they determined that those charges were valid. Which is wrong! I had these charges also taken out of two of my other accounts with different credit unions and they said they were fraudulent and they gave me my money back. So i have tried to get a hold on BNY Mellon several times even leaving messages and havent heard back from them and i think this is wrong and vert unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account, XXXX XXXX : TransUnion is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XXXX is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
hey im having issues with my credit due to inaccurate information appearing on my credit report from lvnv funding llc XXXX XXXX  XXXX XXXX sc XXXX I lost my job due to covid 19 and this on top of this is stopping my progress in life and i would like it removed from my credit

Company response to consumer: Closed with explanation