vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, Experian and XXXX  to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
i had my auto refinanced with penfed credit union on XX/XX/20 and i agreed to pay {$560.00} so that my first payment would be due XX/XX/20 spoke with XXXX 0n XX/XX/20 stating that i would get a coupon book i also spoke with supervisor name XXXX on XX/XX/20 informing him that i had not received my coupon book which i did not receive until XX/XX/20 so i mailed the check to penfed credit union in XXXX, ne and the only account number that i had was the one that was with my membership not knowing that this was not my auto loan account number then receiving a e-mail that i was late with my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NC

Complaint narrative:
Credit oddities showed up with SSA for my XXXX year old mother. I contacted all 3 credit reporting companies in order to freeze credit and request a report for both parents. I had to provide my proof of identify, POA, parents proof of identify, SSA info etc to them. I sent all via certified letters and can not make any progress with Equifax after lengthy calls, them cutting me off, etc. I sent information they required to the address they specified by certified mail with a receipt. The post office provided a receipt that the sensitive information was received by Equifax on XX/XX/20 and signed by XXXX XXXX. I called and was asked to wait 30 days. I spent an entire morning on the phone trying to get the information but all they could tell me was that the info wasn't in their que. I sent another letter with a copy of the receipt and requesting that they located this very sensitive information that I sent on behalf of my parents. Certified mail receipt for XX/XX/20 again signed by XXXX XXXX. NOTHING. They still have nothing. They not only have on data breach but I now have concerns about inside their company. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My car lease ended in XX/XX/2020 and the balance was paid in full. Now in my credit report it shows that there is a pending balance and i am past due affecting my credit report. i spoke with XXXX XXXX and they said that there is no pending balance and the account was close and paid in full. However, Experian report said that i am late. I started a dispute two weeks ago but they are saying that they have 30 days to fix. my credit went down and other creditors ( credit cards ) started taking actions. Last week i received a letter from a Matercard ( a card that i had ) closing my card, because I have late payments. The same situation is happening with XXXX XXXX, I had a loan that was paid in full two weeks ago and they are reporting that the loan is late and affecting my credit. 
In addiition, Experian is sending emails advertising the Experian Boost and other application to fix your credit by paying a fee and asking for a credit card to fix these problems. 
My death at this point is less than 15 % and nothing has been update, the only thing that they update is your score is going down. 
They continue bringing down my credit score by those situations. 
Please assist to escalate with this company to maintain an accurate information and the responsibility to fix and correct a problem. If they decrease the credit score by certain amount of points, because an incorrect information the point that they took they need to be back. 
A credit score is affecting my life, my loans, my mortgage. 

Thank you for looking into this, they can't continue acting only as a library. this is how the Account manager from Experian described the company. no responsibility if they make a mistake. Only focus how to make money and use your information ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
i opened a usaa performance first savings account with XXXX dollars onXXXX. on XXXX XXXX dollars was fraud transfered back to my checking account. i did nor authorize this. this special account was supposed to have XXXX fraud protection. that is how usaa advertised this account. the bank refuses to refund my money and will nor respond to the savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This concerns interest charges that are being applied to my account, and which contradict the advertised interest rate ( i.e. no interest ) for which I was qualified and for which I was approved at the time the device was purchased using the XXXX Card credit card. Below is a summary timeline of the transaction. 

XX/XX/2020 : I purchase the XXXX XXXX XXXX  from the XXXX XXXX at XXXX using the XXXX Card, and opted for the 24-month installment credit option. 
XX/XX/2020 : I contacted XXXX  to obtain support because the phone would not successfully complete the second SIM card set up. XXXX  directed me back to XXXX. 
XX/XX/2020 : After unsuccessfully trying to configure the device at the XXXX retail store, I returned to XXXX to request a refund as I was frustrated. At that point, the manager directed an associate to switch out the hardware. 
The XXXX  associate refunded the original transaction, and then completed a new sales transaction using my XXXX  Card details. 
The new hardware worked as expected. Since those transactions were completed, it has come to my attention that my Apple Card account is charging interest, and it is not on the 24-month interest-free installment plan that I thought I was getting. 

All indications suggest that the XXXX sales associate who processed the return on XX/XX/XXXX, did not set up my purchase the way the original purchase was done, thus causing my account to be subjected to interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I reviewed my credit reports. I saw a negative reporting from FAIR COLLECTIONS AND OUT located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I have never received notification from this company pertaining to debt. I do not owe them any money nor have they validated this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
On XX/XX/2019 I was charged {$2800.00} for a car rental that was detained by the police. When I called dollar rental they informed me that they will pick up the car that day. The car agent never put through the request because when I called a month later after seeing a charge on my card she informed me that they never put the request in to pick up the car. She said she would have it fixed and wouldnt be charged for there mistake. I was still charged. They refuse to resolve the issue and my credit card will not remove the dispute since dollar rental is saying charge is valid. My card limit is XXXX but capital one accepted a charge of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I had a mortgage with New Rez ( loan number XXXX ). I got an offer to refinance my mortgage with New Rez. I closed on the refinanced mortgage on XX/XX/2020 XXXX new loan XXXX ). On XX/XX/2020, New Rez debited {$1700.00} from my account for the old mortgage, loan number XXXX. The old mortgage was closed, so there is no indication of the {$1700.00} or having a credit. It also doesn't show up on the new loan. In addition, the loan was showing as paid off based on the amount submitted in the closing. My {$1700.00} is showing up nowhere and I have not received any of that money back. Since XXXX, I have called repeatedly and emailed using their customer service email. I have had no success in getting this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Conduent Incorporated
State: CT

Complaint narrative:
Emailed the state of Tennesseee unemployment office with a fraudulent application in my name. 

Attempted to call Way2Go card debit card through XXXX XXXX  and report a fraud freeze on any further attempts at collecting monies against me.

First agent said they could not help me, made no attempt at connecting me with the fraud department. Hung up on me without further explaination.

2 more attempt transferred to fraud department with no contact with agents after holding for 45 minutes and 20 minutes.

Connecting with first line agents only took less than 3 minutes everytime.

My issue with all debit/visa etc is they should still verify through a  credit bureau for identity theft. To prevent further identity theft in having a credit card with stolen victims name imprinted on cards. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX at XXXX I couldn't withdraw money from my Cashapp card through an ATM. The ATM kept declining the card. There is no Customer Service number on the back of my Cash App card. So I googled the number, and asked XXXX. XXXX said CashApp 's customer support number was XXXX. I called XXXX and a man answered saying : " Thank you for calling CashApp customer Support. How may I help you? '' He had a XXXX XXXX accent. I told him why I was calling. He asked me to hold. He came back and said my card was declined because there was a block on it due to fraudulent activity. He said he could help square the problem away. He told me to go to the XXXX XXXX   and download XXXX  quick support. I did. Then he told me to go to CashApp and chose the option in the bottom corner to scan my card. Then he told me to go to the app and start broadcast. Then go back to Cashapp to link bank accounts. My XXXX XXXX   account was there, he told me to delete it and re-enter it, with my account and routing number, then he told me to move {$500.00} from my cash app to my XXXX account. I did that. Then he asked if it went through told him it did. Then he told me to enter XXXX with an access code, then next. He said it was fixed. Then he asked to see the chip on my Cashapp card through the scan app, he said great, everything is fixed, and in 5 minutes I would be able to sue the card again. Five minutes goes by and I see {$1.00} in my account. I called XXXX. They said the charges are pending not posted. They said to dispute it and try to get my money back when the charges have posted. XXXX returned just {$550.00} to my account. I filed a police report w/the XXXX, OH police dept. The detective has not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is not a duplicate complaint but a complaint of credit card companys payment policy. My credit card was stolen and because of Discovers payment policies the credit limit was exceeded and even doubled when bogus payments were made by the thieves which then bounced. Let me explain. The thief used the card up to the credit line and then called and made bogus payments as many as 4 times in a short period! And Discover kept accepting the payments and freeing the card to use. Discover never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Discover surprisingly was not aware of this tactic until I brought it to their attention by requesting the method of payments. I am not responsible for Discovers 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Discover could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Discovers software is elementary and doesnt allow a hold, they should have at least been alarmed when multiple bogus payments were made. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Discover denies  fraud and accuses me of siding with the thieves to my own detriment. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Garrison Investment Group
State: MD

Complaint narrative:
Foundation Finance has repeatedly contacted me at my place of business ; a number that they were never given. So I would be very interested in know how they got the number in the first place. Now today I have been getting repeated email from a XXXX XXXX from Foundation Finance asking me to call. When I informed her that I need a reason, she has repeatedly refused to tell me why she was contacting me. 

At this point I'm very very tired of these strong arm tactics and would like it addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts that are currently reporting are listed on the attached identity theft report along with the fraudulent and unauthorized inquiries. I have attached an FTC Identity Theft report and I am currently awaiting the police 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 2020-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if XXXX continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ XXXX $ XXXX. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Opened my account with USAA whove Ive banked with for 6 years and have been using my hometown bank so I just opened a new checking and savings account and transferred just under 4 thousand dollars from my checking and savings account with XXXX XXXX to USAA and they said they would place a hold on the funds until XX/XX/XXXX and then extended the hold to XX/XX/XXXX leaving me with absolutely no money. My own money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is not reporting this account correctly and it's hurting my chances of purchasing a new home for my family. As you can see, XXXX  is reporting correctly that the account was current and paid but Experian show it as a collection/charged off account. 
XXXX Opened XX/XX/2019 Balance owed {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is not a duplicate complaint but a complaint of credit cards payment policy. My credit card was stolen and because of Chases payment policies the credit limit was exceeded and even doubled when payments were made by the thieves. Let me explain. The thief used the card up to the credit line and then made bogus payments as many as 4 times in a short period! And Chase kept accepting the payments and freeing the card to use. Chase never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Chase surprisingly was not aware of this tactic until I brought it to their attention and requested the method of payments. I am not responsible for Chases 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Chase could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Chases software doesnt allow a hold, they should have at least be alarmed when multiple bogus payments were made on the same account. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Chase denies fraud, and accuses me of siding with the thieves to my own detriment. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello I had a fraudulent charge on my Maryland unemployment card for {$1000.00} USD. On XX/XX/XXXX I filed a claim immediately upon seeing the transaction the same hour it happened it was an ATM withdraw from XXXX Texas at a XXXX XXXX XXXX the person or persons tried using it again while I was on the phone with Bank of America at XXXX XXXX XXXX  in Texas but it declined {$1000.00} is the daily limit for cash to withdraw, I assisted Bank of America with every request they had and they did an investigation that took 14 days they concluded in writing that I have stating the case is closed ( permanently ) and that I wont be liable for the {$1000.00} USD.on XX/XX/XXXX the bank on XX/XX/XXXX took all my money that was in there with dispute adjustment debit charge now my account is {$900.00} negative and I had to reopen the case and file a new claim which can take up to 45 business days that means they will take all my unemployment benefits until the {$900.00} is paid back or they conclude again that I was in Maryland and had nothing to do with this fraudulent charge they offered no explanation at all as to what they found or why they illegally took my money. If someone can please contact me at my email address is XXXX and help me put a stop to this, I have medical problems and bills to pay with those benefits. Thank you so very much and In hope to hear from someone soon

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