vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new BBVA credit card with zero percent balance transfers allowed. BBVA allowed me to transfer my balance immediately after I was approved. On the first periodic billing statement I received, there was interest charged for my balance transfer In the amount of {$31.00}. I called BBVA customer service to get this corrected. The rep I spoke to explained that I was charged interest because I did it before activating my card. This is unfair and deceptive ( UDAAP ). The rep credited back the fees and told me I only needed to pay {$14.00}, the minimum calculated payment amount. I did this while on the phone with the representative and since this was a one time TEL ACH transaction, I know it was recorded ( confirmation number XXXX ). I received a past due notice stating that my payment was short by the {$31.00}. My current periodic statement shows the credit under Other Credits with a past due amount for that exact figure. I tried calling BBVA today and after 47 minutes on hold I finally got through to a representative and explained my position and how this was damaging to me ( late charges, negative credit reporting ). The rep I spoke to had to place me on hold to see what could be done. I then received an automated message that my call had ended. This is clearly a deceptive act or practice. If I was advised that my zero percent balance transfer could not occur until I activated my card, I would have waited. I was excited to start doing business with BBVA but now I wonder what they are doing. I will continue to attempt to get through to them but I can not be the only consumer being taken advantage of with their unpublished rules and poor customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: GA

Complaint narrative:
I have a few negative items on my credit report that is not mine. 

Account Name : LENDING CLUB Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had initially opened an account to secure an auto loan. After not taking the loan, I decided to close the account. Mind you this account has never been used, has no linked cards and no checks or otherwise. They attempted to close the account clearly unsuccessfully but did manage to issue a check to my address for the the balance of the account. 

The account did not close and remains open. They have sent me correspondence that the account is in a negative balance. This is impossible except by mistakes on their end because the account wasn't and couldn't be used for anything other than a Pen Fed rep making changes. I again sent written correspondence and was told the balance needed to be cured to close. Can someone please help get me out of this perpetual loop before they causes me any further problems based on clerical errors?

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 2020-03-23 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from 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 2020-03-23 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from 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 non-monetary relief
Consumer complaint received 2020-03-23 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: AR

Complaint narrative:
I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage is my collector. During this covid 19 time they are not picking up the phone. I want to delay the next few months mortgage. Till my wife goes back to work. She was advised not to work. I am on XXXX. There is no communication with Freedom mortgage. Pls help!

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 2020-03-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Approximately mid XXXX I went into XXXX Department XXXX located in XXXX to make a return. They processed my return however I noticed a charge on the account that I never authorized. I called Chase Credit Card and they advised to contact the merchant since the credit card was used via a chip. I went in and spoke to XXXX the Store Manager or someone in Loss Prevention Department who had advised that she looked at the surveillance video and noticed that I did not walk away with the merchandise. She stated that I would be receiving the credit of {$370.00} and that transaction was VOID. A month has gone by and I still noticed that I not only have still been charged but interest is gone up as well. I called back to Chase to get this removed off of my transactions and I explained to them that I did not make that purchase. I did not sign for the merchandise and I did not walk out of the department store with the items. They gave me a temporary credit and said they would dispute it with XXXX. A month after I received notification that the dispute has been resolved expect not in my favor. They said that the chip was used and I was responsible for it. I told them that the transaction for the {$370.00} was a void transaction not a purchase. I told them that I believed that the employee made a mistake or she probably engaged in fraud. As of today, I have still been charged for the {$370.00} and have not seen any refund. Again this FRAUD and I have not authorized this transaction. Please issue me a full refund in the said amount. Also, when I called and spoke to a manager or supervisor in charge of the dispute department ( I am sure you have the call recorded XXXX he was extremely rude. That was the last time I initiated a conversation with Chase about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a by certified mail an Affidavit of billing error dispute to Bank of America certified mail # XXXX XXXX XXXX XXXX XXXX requesting answers from questions enclosed in mentioned affidavit and said affidavit was not answered neither was it rebutted. 
On XX/XX/XXXX then sent a notice of adequate assurance of due performance via certified mail with number XXXX XXXX XXXX XXXX XXXX to the law firm who was acting in the capacity as a debt collector for Bank of america as also a copy was sent to bank of America and no question was answered. I found out that a law suit was filed against my name in XXXX county court house by said law firm. I was still receiving mail re debt even though I had unanswered questions from previous notices I had sent out. In XX/XX/XXXX I sent out a notice and demand to cease and desist collection activity via certified mail XXXX XXXX XXXX XXXX XXXX to Bank of America. sometime after my last correspondence with the institution I found out that the law suit was withdrawn without prejudice of which I manage to obtain a copy. On XX/XX/XXXX I sent a notice for request of confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX then I sent a notice of breach of agreement via certified mail # XXXX. In XX/XX/XXXX have learnt that there is another law suit in the county court against the name. this was done via for Bank of america. Am looking to have this matter resolve and said institutions are not proving any assistance and i have found them to be in breach of several United states code. am requesting your assistance in settling this matter thank you.

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$70.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached the Explanation of Benefits for this account and it clearly shows the billed amount of {$70.00} with the cost share/copay amount of a {$0.00} balance. This account needs to report a {$0.00} balance due. This false reporting of a collection/charge-off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-23 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: SC

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$70.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached the Explanation of Benefits for this account and it clearly shows the billed amount of {$70.00} with the cost share/copay amount of a {$0.00} balance. This account needs to report a {$0.00} balance due. This false reporting of a collection/charge-off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. 
This will serve as notice of pending upcoming litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sensible Auto Lending, LLC
State: NJ

Complaint narrative:
Our state is on lockdown, we are out of work and sensible auto will not push payments back far enough to catch up after this is over. How are we supposed to make money when the workforce is shut down??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
First of all. Anytime I call this company every person that I speak with, tell me something different. I had loan of {$1000.00} from this company. I paid that off. Now I need my payoff letter to take of a mortgage and I'm close to my closing deadline, any time that I call nobody can't help me. This company doesn't care they take no action. I DON'T OWNED THEM ANY MONEY I NEED MY PAYOFF LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Clear Start Today
State: FL

Complaint narrative:
I faxed personal information regarding a loan forgiveness consolidation program on XX/XX/2020. They also charged me a fee to consolidate my student loans of XXXX and they asked for my account information that way they could directly take the money out of my account each month. I have been in contact with them over the last several weeks asking if they ever received my faxed paperwork with my personal information for doing the loan forgiveness program. they told me they never received it and the fax number that i sent it to was actually the department of education. The number that i faxed it to was on the paperwork that the company had provided to me. I even spoke with a supervisor to ask what would be done about them getting my paperwork and information. The supervisor told me that they would contact the department of education and ask them for the paperwork. That was over 2 weeks ago and no one has called me back to update me. I called them today and received the same answer that they were going to contact the department of education and get my paperwork from them. They said due to the coronavirus it might take sometime but i had processed my paperwork long before the spread of this virus. Also i always get the same answer that someone will contact me back and update me on the status of what's going on with my paperwork but no one is doing that. I have to call them only to find out that nothing is still being done on my account. The name of the company is clear start. They informed me that they are a third party company that helps students consolidate their student debt and can enroll them in a loan forgiveness program. You just have to pay them an upfront fee of XXXX for six months. They also said that they would contact my federal loan company directly to inform them that they have taken over my student loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: AR

Complaint narrative:
I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$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 2020-03-23 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$82.00} XXXX XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted capital one today to advise them my job can no longer pay me due to our agency being shut down temporarily because of coranavirus. I advised them I would be applying for NJ unemployment insurance, but am unsure when I would receive my first payment. I spoke with XXXX and told her that I am unsure when I would be able to pay and how much. She said there are no options to reduce, lower, or provide any help for my two accounts with them. I explained to XXXX that I noticed their website said there would be assistance for each customer, but they have refused to provide assistance for my accounts, and I am unsure of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, XXXX  and XXXX  are reporting false information. 

The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX  XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX XXXX  XXXX with a XXXX balance.

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 2020-03-23 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: OH

Complaint narrative:
Equifax has mixed my data with my twin brothers once again XXXX. Thought we had it solved in XXXX, then again in XXXX, XXXX and the issue pops up again. His mortgage, truck loan, credit cards are showing on my report and mine on his .... basically doubling my debt and thus lowering my credit score plus gives trouble for me dealing with lenders.Ive already invested countless hours with this issue over the years and equifax continues to neglect their responsibilitys and continues to not permanently solve the issue.

Company response to consumer: Closed with explanation