vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i was was abused and taken advantage of according to 15 usc 1692 sub section 802 : i have disputed transactions on my account which were fraud. i did not contract with XXXX  or the other accounts listed in the attachment, and the transactions were fraudulent. they were not valid and the company has agreed to the reversal and did not which i have now done with the bank, the bank claimed to complete a valid attempt to verify the fraud. the funds were retracted and i was violated by them closing other accounts other than the account the funds were removed from. this has caused my home to be placed in collections and many other constraints. an FTC has now been created and a full pursuit of Restitution and remedy are in pursuit. Navy federal has continued to make harassing calls after being request to Cease and Desist. 

Violation : 15 USC 1692 c Several efforts were made to state the fraud. and show proof. i did not authorize the transactions period. 

XXXX  : XXXX 15 U.S. Code 1602 According to congressional finding in the Fair Credit, as a consumer this has caused my family strain, there are violation 's that were committed against me which will be pursued as My accounts are continuing to incur charges due to their maleficence.

among many : _ closing the account and adverse action 15 U.S. Code 1681m - Requirements on users of consumer reports ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general ( C ) Information described reputation, personal characteristics, or mode of living of the consumer ; and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: VA

Complaint narrative:
My paypal prepaid account was closed XX/XX/2021. The balance on my account at that time was XXXX. I tried to communicate with the company in every way i could find. I was given either no information, or incorrect information. These attempts to correct the issue, on my part number close to fifty. after over a month of having no access to my funds i was finally able to recover slightly over XXXX XXXXXXXX XXXX. There is a remaining balance of XXXX that was not returned to me ... after many more attempts to have my funds returned. All of which i was lied to, and made to provide documents and letters. ive done everything i was told. This company has kept my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 is incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
After almost ONE MONTH THE RELEASE LETTERS FROM EARLY WARNING WERE ISSUED, I finally received them in my po box . The letters that provide information of my accounts and of the banks that reported my accounts to Early Warning were written FRAUDULENTLY. 1.-THE NAME OF THE BANKS ARE NOT THE LEGAL NAMES AND HAVE ABBREVIATIONS. 2.- THE ABA OR ROUTING NUMBERS OF THE ESTATES WERE OPEN THE ACCOUNTS WERE FRAUDULENT ALSO. 3.- THE ACCOUNT NUMBERS WERE ENCRYPTED NUMBERS, MAKING THIS AN ILLEGAL ANSWER BECAUSE THEY CAN BE USED IN A FRAUDULENT WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On Thursday XXXX XXXX I initiated communication with XXXX of Bridgecrest requesting a cease and desist of all communication with the exception of written notice via mail. I was assured that I was not speaking to a robot and that I would not receive further emails. On XXXX XXXX I received an email from Bridgecrest stating " this is an attempt to collect a debt '', despite my cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
I got an email saying I had added a new card to my Google account, clearly I had been hacked. It said that I had signed in from a XXXX  XXXX and there was a card ending in the numbers XXXX that had just been added to my account. I did not and am very worried about the security of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: AR

Complaint narrative:
XX/XX/2021 I made two transactions in the amount XXXX and XX/XX/XXXX I made three transactions in the amount XXXX and XXXX Thru XXXX XXXX but all 5 transactions cancelled immediately so no process was taken as clarified by XXXX XXXX. But the money was taken from account any ways and never refunded rightfully to me instead I go back and forth with card.com and money file another dispute on XXXX turn in supporting documents to get them to see what is the 100 percent truth. I was told that this process would take 5 days but no one ever got back to me it was well ova 40 days when decided to tell me no error was found. I need to contact XXXX  which stated the transactions was canceled I asked for them to put that in writing no one was able to. I rreach out to the XXXX CARD.COM STATED TO THEM THAT XXXX STATED NO TRANSACTIONS WAS CANCEL THEY PROCESS NEVER CANCELED WHICH IS AN FALSE STATEMENT OF SUCH BUSINESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern : A certified mail debt validation letter was delivered to OPORTUN/PROGESO FINANCE on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. OPORTUN responded in a letter dated XX/XX/21 that they can not verify my information with their accounts. They continue to contact me and send me statements ignoring my concerns. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been targeted through my credit score and credit repair history for the past two weeks. I have seen major decline of my personal credit score with XXXX, XXXX and Transition consumer credit Bureaus. I were not notified of any technical issues all three major bureau 's were facing at the time. I know I haven't fell short of responsibility to pay my dues. There fore I believe that this is an action against my credit history to further paralyze of my financial abilities. 

I need your sincerest attention to obtain a nationwide resolution for the major credit problem concerning individual credit history of that for mine and rest of the American s. 

We don't accept this playing around with our credit history where we are set as an example inferior to others. Where most can afford their livings and we the minority and the poor are facing it though.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Consumer Financial Services
State: IN

Complaint narrative:
XXXX  doubled charged my bank account with a payment causing overdraft fees and my account to be in the negative for over 5 days. A payment posted on XX/XX/2021 of XXXX and on XX/XX/2021 for XXXX leaving my account in the negative and causing overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Conduent Incorporated
State: VA

Complaint narrative:
Somebody stole my card an the pin wasn't with the card I want my money back they denied my dispute they wouldn't even let me send the a police report they block my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent Equifax a letter asking them to reinvestigate a total of 15 accounts that appeared on my credit report. Not only have they still not responded to that letter, but I also sent in a letter notifying them that they failed to respond to my original request in the allotted responding time on XX/XX/2021. The biggest issue came in the form of them not sending me an updated copy of my credit report, and one of the companies I asked to be investigated reached out to me and sent me a bill. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: DISCOVER BANK
State: TN

Complaint narrative:
I've been made aware of the fraud on the discover credit card account. 
They are in violation of several consumer laws. I can list a few to begin.

1.UCC 3-302 2.UCC 3-306 3.15 USC 1666 ( d ) 4.15 USC 1666 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are numerous inquiries on my account affecting my credit score. The XXXX XXXXc did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My capital one credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: The Bureaus, Inc.
State: GA

Complaint narrative:
There are numerous inquiries on my account affecting my credit score. The Bureaus Inc did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX  XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has been an address listed for me that I have never lived at. It belongs to my parents who moved there less than a year ago. Prior to that they kept sending mail to their previous address which I did live at years ago. I have been asking AMEX to remove the previous address and now my parents current address for years with no luck. I have filled out their forms, chatted with their agents online, and have called several times. This isnt just a mailing issue though. I am a mortgage loan originator and it showed up during my application process to several states and held things up. This has not drastically impacted me in a negative way, but so long as AMEX continues to inaccurately report an address for me, I am at risk of financial information being mailed to the wrong address as my parents are moving again in XXXX. I am having trouble getting anything done directly with them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group
State: FL

Complaint narrative:
I had someone named XXXX XXXX who falsely identified himself as the compliance officer of Florida from the number XXXX call my phone saying he was coming to my house or my job to make me pay money for something I owed. This was the voice mail he left me after calling my aunt and my mother, trying to make them give out my personal information. Also on the voicemail he left the office number which is XXXX. I called and spoke with someone who turns out to be a debt collector not the compliance Officer of Florida. They demanded payment from me of {$5000.00} which was {$4000.00} over what was really owed. I hung up and called the original creditor who explained to me they never tried to sue me they sold the account to a collection agency and lucky provided me the information to the collection agency. Because when speaking to the collection agency they gave a false name of the company and lied and said they where an attorney office. Their real name is Northwood Asset Management Group, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The first point of contact was XX/XX/2021 at XXXX I missed the call and they left there first voicemail they called my mom at XXXX and my aunt at XXXX all on the same day. Trying to bully them into giving my address. I called the office on XX/XX/XXXX at XXXX to discuss the calls and the threats they were making. They continued to lie and make up different amounts of money I owed. I hung up with them and that was the end, or so I thought so today XX/XX/2021 at XXXX the calls and the threats stated back as well as calling my family once again. I called mad and said stop calling my family with out identifying myself the worker starts telling me XXXX XXXX XXXX your broke, your poor you have a XXXX credit score. How do you accuse me of a name and never verified the call I never stated my name. But it gets better he then goes on to say he wishes I have a XXXX XXXX and my XXXX XXXX as a mother when she had me then hung up and blocked my phone number. This is unacceptable honestly, pure disgust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was abuse and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA this has cause me and my family financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( f ) these are the violations that were committed against me as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I recently reviewed my credit card report and it shows a fraudulent account from Upgrade. I did not apply for any loans with this company. I would like this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FORD MOTOR CREDIT CO.
State: DE

Complaint narrative:
Car was on price and when I went to finalize the deal price and interest was very high .I feel I been XXXX against. XXXX as a senior

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: PNC Bank N.A.
State: CA

Complaint narrative:
I overpaid my credit card bill in the amount of {$120.00}. I asked XXXX to return the credit to me in check form and asked for this amount to be returned via mail to my primary mailing address. Ive called five times and each time my calls were dropped by the customer service rep and tried to connect with customer service via chat and each of these times nothing has happened. Im getting frustrated with the lack of service. I would like my money back please ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was abused and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA. This have caused my family and I financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( e ). These are the violations that were committed against me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NY

Complaint narrative:
I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation