vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX We called Capital One concerning problems about getting on to our account at that time they did not tell us that there was fraudulent activity on the cc account at that time, even though they knew of it. Later in XX/XX/XXXX we called again asking what was the problem. Then in XX/XX/XXXX of XXXX we were then told of all the fraudulent activity going on with the account and that they would send us another credit card and close the old one out and told us that they would take off the fraudulent charges. On XX/XX/XXXX we called capital one again this being the 6th time because we were kept on hold several times for over 30 minutes, that my birthdate did not match what I told them. I then proceeded to tell them it was internal fraud. They also put all the charges BACK on my CC because they deemed it not fraudulent charges. I have since called them 6 more times, only to be told that my birthdate doesn't match and there is a problem with my account ... ... .. I have sent 2 letters asking them to resolve this issue, since they had not sent the new CC for this account I have no way of discussing this issue without giving them the old account #. Almost all of their customer service reps. are unwilling to help for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
United Collection Bureau, Incc. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has been sending me mail for several years now. It goes like this : Creditor : XXXX XXXX XXXX XXXX ( I HAVE NEVER HAD AN ACCOUNT WITH THEM! ) Last Four Digits of Creditor Account Number : XXXX ( NEVER HAD A CC WITH THEM ) UCB, INC. Reference Number : XXXX Account Balance : {$540.00} In regard to my XXXX XXXX account. Great News! UCB acting on behalf of XXXX XXXX XXXX XXXX is offering you the following settlement offers : ( then various options follow, with {$150.00} if received by XXXX ) I've checked with XXXX XXXX and they don't know what this is about. I'm on extremely good terms with them, as they've outfitted my home with audio and TV for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: MO

Complaint narrative:
I Have disputed XXXX XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX XXXX XXXX - XXXX XXXX AMOUNT 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 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
XX/XX/XXXX I was rear-ended endured hardship with casualty loss resulting in a change of circumstances. I reached out to Village Capital & Investment who owns XXXX XXXX   concerning recent changes on XXXX. I was informed at that time " this mortgage company couldn't help me in any way there were no hardship assistance programs for me to apply too. '' I was informed " to go to a church and ask for assistance. '' I informed them that I would be seeking legal advice concerning this matter. XX/XX/XXXX Village Capital called stating that I could apply for Loss Mitigation asked if I was able to start making payments XX/XX/XXXX. I replied yes XX/XX/XXXX payment made on XX/XX/XXXX my account was blocked and a XXXX Sheriff was sent to my home stating I was being summons to court for foreclosure of my property cause no.XXXX. The judge was informed that my TILA rights were violated and I was denied hardship when their own website states they have assistance for clients in need of hardship. My PMI is excessively high. Under Predatory Lending Village Capital hinder me the ability to receive services for repaying debt, charged me excessive or hidden fees, tried to force me into foreclosure, denied my loan modification, breached of lending liability law, deliberately made it hard to repay loan, violated dual tracking law, esscrow fraud. A representative from XXXX XXXX XXXX XXXX contacted me in XXXX until balance agreed upon by Village Capital was reach in XX/XX/XXXX in the amount of {$15000.00} included late fees attorney fees, property and insurance taxes, mortgage debt, monthly home inspections, and court cost. My payments were to resume XX/XX/XXXX. Village Capital received double payments for the months of XX/XX/XXXX check # XXXX ; XX/XX/XXXX # XXXX ; and XX/XX/XXXX # XXXX. Village Capital refuse to refund the three months of double payments, when questioned they later sent racketeering fees in XX/XX/XXXX stating I owed an additional {$700.00} that wasn't included in agreed amount during court. From XX/XX/XXXX till XX/XX/XXXX they reported to the credit bureau that I never made those above payment or disclosed that XXXX  XXXX paid balance in full per court agreement that my account was back in good standing. Village Capital never sent my mortgage W2 forms for XXXX for the months of XX/XX/XXXX till XX/XX/XXXX. My account was blocked from XX/XX/XXXX till XX/XX/XXXX was unable to print off W2 form for my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: MD

Complaint narrative:
I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ XXXX, Equifax, and XXXX ]. Customer agents could not provide me with a credit report via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ XXXX, XXXX, and Experian ].  Customer agents could not provide me with a credit report via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: AZ

Complaint narrative:
They have been calling my work and I have asked them to stop and they wont

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 on the dates below : BK OF AMER XX/XX/XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I transferred {$15000.00} from XXXX XXXX XXXX  XXXX card to Chase Slate card. This was my response to an offer they sent me on the website. I had a XXXX   balance with Chase the day I transferred the {$15000.00} balance to them. The terms and conditions of the balance transfer are on Exhibit 1 : They are 0 % APR until XX/XX/XXXX ; Transfer fee of 4 % = {$600.00}. I have no minimum payment due. I have never had a late payment because I have never used the card. I have only paid Chase. As of today I have paid them a total of {$8000.00}. They closed my account, added late fees and other fees. They have destroyed my credit rating by lying to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial did not remove a fraudulent account from my credit report.

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 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX- Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...

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 2020-02-11 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: Nelnet, Inc.
State: OR

Complaint narrative:
Nelnet Class Action Says Income-Based Repayment Plans Cancelled. Student loan servicer Nelnet has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exeter Finance has made incorrect reports on the status of my account to the credit bureaus on. On XX/XX/XXXX I received XXXX and XXXX notices that my Exeter account was reported delinquent, when that was incorrect as I set up autopay on my account in XXXX and it was in a current state then. I was notified that my EF account was incorrectly reported 30 days past due on XX/XX/XXXX, not only was it not past due, but the false report caused my credit score to drop by 100 pts, which is unreal. I have not had a missed or late payment on this account and it was very discouraging to have this reported incorrectly and affect my credit in such a way. 

I have not had such an experience with any other creditor and consider EF as a contributing factor in helping me to improve my credit over the years. Following the this incident, I just went ahead and paid off the {$13000.00} on the loan to be done with them altogether. I tried to file a dispute through the company, but the representatives kept giving me incorrect email addresses to sent my evidence to, all which bounced back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA statement XX/XX/XXXX. Summary of Account Activity shows beginning bal. of {$1.00}, XXXX minus Other credits of - {$2.00}, XXXX - - {$1.00}, XXXX owed at this point. minus the Total Credits for this period listed separately/merchants credits. - {$910.00} Add New Purchases NOT CREDIT REVERSALS Less than + {$870.00} DOES NOT EQUAL NEW THE BALANCE MATHMATICALLY. **Please note XXXX XXXX {$120.00} is a new fraud investigation XX/XX/XXXX. NOT XX/XX/XXXX AS USAA MAINTAINS. USAA can view the adjustment purchase to begin a fraud investigation {$120.00} XX/XX/XXXX on a purchase paid by merchant in XX/XX/XXXX?? Huh?? I did not buy this item returned to the store back! Forced by USAA TO BUY BACK 2 RETURNED ITEMS from. XX/XX/XXXX in XX/XX/XXXX.total {$340.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: People's Finance Co
State: TX

Complaint narrative:
I sent a request to cease further communication with People Finance XXXX, TX. 
I told them due to a significant hardship, I was unable to make payments toward the debt at this time, however I was working diligently to resolve all my debts. 

Please accept the letter as my written request to cease all telephone calls, whether it be at my home, my workplace, my cell phone or any other means of communication to reach me. 

I verified that the letter was received last week - week of XX/XX/XXXX. They said they did not care about the letter and they would continue to make collection calls daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America honored a levy being placed on my account that was not a court issued document. I have a copy of the fictitious charge that only displays my SSN and name. The Indiana Department of Revenue requested my address to prove that the charge did in fact come from them. The company that placed the charged on behalf of the Indiana Department of Revenue was XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America never had an Indiana Address on file for me to honor the charge nor was the address provided on the document. The charge was for a bank freeze on two of my checking accounts for the same amount. The bank was contacted by myself and the only document they could provide had no legal authorization signed by a Judge or any court in the State of Indiana. Charging me the following amounts and fees : Account # XXXX Account # XXXX XX/XX/XXXXXXXX ( Hold ) XX/XX/XXXX XXXX ( Hold ) XX/XX/XXXX XXXX legal order fee XX/XX/XXXX XXXX Legal order fee LTS Can provide the document upon request. Total amount charged to me was for 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 monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I received a letter from Sunrise Credit Services and I do not have a contract with this company.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo invited me, by letter with my card #, XX/XX/20 to possibly increase my credit. Letter said no credit pulled w/o permission. I called #, and was assured they wouldn't the same day a letter was drawn up and based on credit report, which I did not give them, and reinterated 2/3 X pls. don't pull credit report. They DID anyway/ Are they getting a kickback. Are they seeking out the elderly? Why would they send me that invitation? Elderly people are being scammed by W>F. Spoke w/ XXXX , XXXX , and XXXX , after receiving the denial written SAME DAY they said they wouldn't. I am XXXX years old.

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 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My complaint is with PAYPAL , INC., NMLS # XXXX, LICENSE # XXXX I requested PayPal to permanently CLOSED my account, over 2 years ago. At that time, I communicated that PayPal was no longer authorized to transfer funds from my bank accounts and that all personal bank account routing information should be permanently deleted from my PayPal files. My request was obviously not honored. 

On XX/XX/2020, PayPal sent me a communication stating the following : " We're concerned that someone is using your PayPal account without your knowledge. Please log in to PayPal to confirm review all your recent activity. Your quick response will help restore your account. '' I consider PayPal 's decision not to close my account as requested unethical and their XX/XX/2020 communications to deceptive. 

I seek the help of CFPB to verify the following : 1- My PayPal account has been permanently closed ; 2- All my personal bank account routing information has been deleted/removed from their files ; and 3- My name has been removed from all marketing list and including third party information sharing. 

Sincerely, Don'tMessWithThis Senior

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Continuing problem receiving updated monthly statements and getting access to my account.

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Credit Corporation
State: MD

Complaint narrative:
XXXX XXXX XXXX I made a {$4.00} gum purchase to see if the Avant credit card was opened. I paid {$5.00} the same day to pay back through ACH from my bank online setting up the Avant payment. 
XX/XX/2020 it showed my payment on my Avant credit card. 
I called Avant credit card on XXXX XXXX and asked why hasnt the {$5.00} credit been applied to my card as I set everything up and it cleared my bank already so with them showing me a XXXX cent credit it still had my available balance as if I still owed {$4.00}? 
I called and asked about why it wasnt updated the representative explained to me it takes 11 days to post payments to my account? I explained 11 days for a {$5.00} payment that already cleared my account? 
I said close this account because Ive never heard of an ACH payment taking that long to credit back a credit card. They closed my card and stated if there is an annual fee it will be reversed because the card is now closed. 
The next day I get a email showing me now owing {$38.00} and its showing on my credit report? 
I closed this card I didnt have it open for 7 days at all and this company is not practicing proper credit card guidelines. 
I spoke with an attorney that referee me to file this dispute online.

Company response to consumer: Closed with explanation