vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I had a discover credit card for several years and it was unexpectedly suspended on XX/XX/XXXX. When I called customer service to inquire about the reason, I was informed that they needed to verify my income and that I needed to sign tax form 4506-C to obtain tax return information from XXXX and XXXX. When I asked about the reason for this sudden inquiry, they refused to give me a specific answer and also refused to tell me how long the process might take. I signed the form as requested. I followed up in few days and I was told by the agent that I needed to refill the form and to leave a certain line blank. I was reassured that the corrected form will be used. I also offered to provide more documentation to help facilitate the process and explained to the representative that I had started a higher paying job few months ago and that I am willing to share paystubs or employment contract as proof of income. I was told that was not necessary. Few days later ( XX/XX/XXXX ) I noticed that the mobile app access was resumed but the account was still not active. I had not been notified of any updates from discover. I called customer support and I was informed that my account was closed and they refused to tell me why. I requested to be directed to a supervisor to file a dispute and I was denied that opportunity. I received an email afterwards which states they were not able to verify my income and that my account was closed. 

I have good credit score with excellent financial income and I had never missed a payment. I have always paid my full balance and made a conscious decision to pay my balance in full to avoid paying interest ( which makes me question the motive behind this account closure ). It is distressing to be treated so disrespectfully like this, let alone the financial consequences that this will have on my credit score for a long time. The company was dismissive and made no efforts to follow up, provide updates, or accept my offers to provide additional documentation. Reading other complaints, this seems like a common predatory practice that discover does to close unprofitable accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from XXXX  credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2021 I received a text alert from Bank of America stating that our mobile app password had been changed. Neither myself or my husband changed it. I called BOA immediately and while on the phone with them someone managed to hack into our account, change the password twice and make 2 transfers totaling XXXX to a XXXX account and our money was stolen and transferred to a bank in XXXX Florida. BOA told us they would investigate it and have a decision within 10 business days. We then contacted our local sheriffs department on XX/XX/2021 and had an officer dispatched to us immediately. He took all the information we had and opened an investigation. After 10 business days I then contacted boa and was told our claim was denied because it looked like we approved of the transfer. I explained to them that there was no way we couldve done that when it happened while I was on the phone with them. I was also told when I initially called that when the person hacked into our account they changed the alert settings for everything to go to their phone and not mine. It didnt matter to them. So then a fraud detective through the XXXX county sheriffs department contacted us to let us know that they sent a search warrant to XXXX and he would update us once that came through. I also reached out to the better business bureau and a few days latter received a phone call from BOA stating that they were going to reopen the investigation. We also got a phone call from detective XXXX and found out the name of the person who stole our money lived in XXXX. I called BOA to update them and havent heard anything since. Its been about 3 weeks and Ive called multiple times to get updates and they wont call us back. Its been over 90 days since our money was stolen and BOA has done nothing to protect us. They not only let the person hack into our account once but twice, change our password twice and steal money twice and they did nothing to stop it and are refusing to make it right even though they know its fraud. They talked to detective XXXX after he got the search warrant back. We also contacted the XXXX police department and they are opening their own investigation.

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 2021-03-11 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

Complaint narrative:
PayPal permanently limited my account with a balance proceeds of about {$140.00}. Funds held for 180 days. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for about a month I tried to transfer to my verified debit card, all attempts denied by PayPal ( pp ) On the XXXX XX/XX/2021 account was XXXX. XXXX and had to verify with pp identification and reason is Unknown. 
After that I received an email saying " partially removed limitations from your PayPal account ( Ref ID - XXXX ) ''. And also I was asked more information by email " We reviewed the information you provided for reference ID - XXXX-XXXX and have restored some features in your account. As we require more information from you, weve still limited certain features on your account. Youll need to provide the remaining information to regain full access to your account. '' But there is no option to submit additional information and my account is still permanently limited state. 
I am an online seller a For now I have never violated any policy of PayPal and other online selling platform. Without PayPal my online business are all stuck and falls down and also in this worldwide pandemic situation it is very hard to do manage present business.

My email linked to my PayPal is " XXXX '' Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I, XXXX XXXX XXXX, have noticed Capital One Bank of myXXXX XXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/ 2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to Capital One Bank in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by Capital One Bank on XXXX XXXX,2018.

Capital One Bank has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also Capital One Bank has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that Capital One Bank Validate the alleged debt said to be owed by XXXX XXXX XXXX, however Capital One Bank wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), Capital One Bank continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: PA

Complaint narrative:
I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-03-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution. 

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had an account with XXXX XXXX two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.

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 2021-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy Cash 3 inaccurate account balance {$5900.00}.

5 payday advance loans issued and paid as follows in 2019 : XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX - {$250.00} loan XXXX XXXX - {$300.00} paid XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid ( check ) full price for 2 weeks Credit reporting shows none of the above. Please add to credit report. Please correct and update balance due to {$0.00} on Speedy 3 balance of {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Good evening my name is XXXX XXXX. 
I see i was given a credit of XXXX $ to receive my {$600.00} stimulus check in XX/XX/2020. I was not told said credit would be removed when i checked my acct today. My checking account is negative {$1000.00}. If i was advised or told by NFCU that this credit to access stimulus payment was temporary I WOULD HAVE NEVER WANTED IT. I DIDNT ASK FOR THIS CREDIT AND NOW ITS BEING TAKEN AWAY! I REPEAT I WASNT TOLD THIS WAS A CREDIT THAT NFCU WOULD TAKE BACK. This is the most unfair thing thats ever happened to me ... I was fine with how my acct was. With my stimulus payment my acct wouldve been negative {$100.00}. I was getting paid following week as well. I looked at my acct and thought the government was helping me out. BUT NOPE THIS WAS JUST TEMPORARY AND I WASNT TOLD IN ANY NOTIFICATION OR AT ALL. IM FURIOUS. I HAVE BILLS TO PAY and NFCU DOES THIS. SOMETHING I DIDNT ASK FOR. I DIDNT WANT THE CREDIT. SHOULDVE LEFT MY ACCOUNT!!!! THE REP I SPOKE WITH DIDNT SEEM TO UNDERSTAND WHAT I WAS SAYING! SHE TOLD ME I WAS RESPONSIBLE. FOR SOMETHING I DIDNT ASK FOR!!! IF YOUR GIVING A CREDIT TO ACCESS A GOV PAYMENT THEN BE TRANSPARENT AND SAY IT HAS TO BE PAID BACK ....!!! I WASNT TOLD THIS. THIS IS THE WORST EXPERIENCE IVE EVER HAD WITH A BANK BY FAR. I didnt ask for a credit to access my stimulus knowing they would take it back. MAKES NO SENSE ... please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Re : XXXX XXXX XXXX XXXX ACCOUNT NO. ENDING IN XXXX I am writing to dispute the above-referenced debt which I do not owe. All charges of interests, fees, and debts on the Account referenced were automatically charged by XXXX XXXX XXXX to the XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX has accepted the liability for the charges of such interests, fees, and debts ( See XXXX XXXX XXXX communications attached ). 
This debt is in fact the debt of XXXX XXXX XXXX as indicated on the attached Statement. All charges to this XXXX XXXX XXXX Account were generated for the establishment of the XXXX XXXX XXXX down payment and monthly dues. ( See XXXX XXXX XXXX communications Attached ). XXXX XXXX XXXX was partnered with the XXXX XXXX XXXX in establishing this account and automatically charged Monthly Fees to this account ; they share the same Letterhead on the billing notices. Although I was assured by XXXX XXXX XXXX  that the Account had been rescinded and the down payment, Monthly Dues and Fees were taken off of the charge card, XXXX XXXX XXXX and XXXX XXXX left a balance of these fees on the Credit Card and commenced to charge interest fees on that amount. Additionally, XXXX XXXX XXXX and XXXX XXXX have jointly reported to each of the Credit Bureaus that I am delinquent each month on this Account which has severely damaged my Credit Score. 
I sent letters complaining of this process to both XXXX XXXX XXXX  and XXXX XXXX ( XX/XX/2020 ) to no avail ; the debt has increased each month and has been reported to each Credit Bureau as being a " delinquent account '' ( one credit bureau reflects last 5 payments on time with delinquent balance. ) I sent letters to the Credit Bureaus P.O. Boxes ; however, each was returned to sender. Thank you for your assistance in this matter.

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 2021-03-11 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution. 

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I am having trouble to access my online account so I can managed and paid my balance since XXXX so I was being late. I tried calling customer service but all I get is answering machines. 
I am being Charged late fees and the company is damaging my credit score.

I know my Username name ID and Password but for some strange reason the company managed to changed my online account access. 
Please see attached documents. 
An email from Customer service with my username. 
Process of resetting my password showing a different username An automated email response to resetting my password with No CODE.

Company response to consumer: Closed with explanation