vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 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: NJ

Complaint narrative:
Recently changed my full name XX/XX/2020 for religious purposes according to my faith and beliefs. Credit bureau 'EQUIFAX ' was informed several times of the update to remove previous name from the reports which they've also received ( Sent certified, tracking mail. ) numerous of copies of the legal documentation from the New York Civil Courts of approved stamped documentation thereof. 

Called the credit bureau many times to let them know, which they've mentioned on call to had receive such documentation and did informed them that I was not able to access my credit nor file is revealed to myself which update has not been processed. 

I was hanged up on many times and last time I was able to review credit report I've mentioned in certified mail accts : XXXX/XXXX ; SXXXX/XXXX XXXX ; XXXX XXXX, XXXX. ; XXXX XXXX, are reporting Unverified Late Payments which is not true to please have this updated in my file. 

They also mentioned that theres not a credit file for myself which is inaccurate as well since after myself sending dispute thereof listed, in thoughts that information of name change was complete which come to find out was reversed and never dealt with fully and ignored.

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

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-11-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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

Complaint narrative:
Transunion has a XXXX XXXX account on my credit report ( negative account ) Transunion is the only credit bureau reporting this negative charge off account on my report. According to the fair issac everything on all three reports must be reported accurately. This is a violation of my credit rights. I need this inaccurate account deleted off my transunion report because it is hurting my score. This charge off account also has a balance, a charge off account is not supposed to have a balance that is another violation and grounds for deletion.

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 2020-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA

Complaint narrative:
I tried to pay off my loan in one final payment. I checked their website calculated the amount for that date. I made a cheque out for that amount and sent it via courier service XXXX it arrived exactly a day before the date. The cheque seems to have never been cashed and they can't seem to find it now. As it was sent with XXXX I have the name time and date of who signed for the cheque. I have contacted them and they said they are looking into it but this has happened before. As I am international they do not take payments from international accounts or international transfers which is very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had alot of charges done i didn't make.I called ten times. Called 20 times and repeatedly was hung up on ... I even waited hours 3 different times for them to answer me claims department they didn't want to talk to me. I ask for bank statement and they said no because it's XXXX.. I said I'm get my money stole the agent said it's XXXX..I said I work hard for you to treat me disregarding anything I said ... I have more evidence I can send you of them hanging up on me.. all of the transactions with the red circle box is not me I do not make those transactions ... I'm uploading them right now It will be submitted with this statement.

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 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: SD

Complaint narrative:
On XX/XX/2020 I booked a hotel reservation and used my bank card to hold the room. Upon entering the room it was filthy, the bed sheets were torn, the front door would not close or lock properly, the inside adjacent door 's lock was broken off and laying next to the TV. I immediately notified the front desk. The hotel was uncooperative and showed no remorse. I was offered no refund ( albeit I did not dirty the room to cause the hotel any cost what so ever ). I disputed the charge with my bank, the one named in this complaint. The bank reached out to me and stated there is " no appropriate resolution procedure '' for hotel charges and they would not even investigate this for me. They said that hotels have a " no refunds '' policy and any dispute must be resolved with them. What this translates into is this bank will not protect its consumers funds or transactions. What happens if the motel overcharges or charges a customer by fraud? So my bank, this bank named in the complaint, will never investigate funds disputed by this hotel or similar merchants? This is very alarming and concerning a bank that picks and chooses which one of my transactions it will investigate or support. My funds or transactions are not protected by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
I was purchasing items from a merchant for clothes. The merchant stop responding and I did not receive my items. I continuously called and texted her everyday until she never texted or returned my calls.The merchant later blocked me so I could NOT contact her. I called my bank to dispute the charges letting them know I did not receive anything from the merchant and she stop responding My bank went on with the dispute and gathered information for me.Later in the investigation, they said they needed additional information which was provided. I provided them with the information and continued to tried to reach out to the merchant.I was told multiple times that this would work out in my favor and I provided enough documentation for the investigation. This investigation has been going on since XXXX. Tuesday,, they reversed the charges and told me they are not able to do anything and they can not escalate the claim. This is ridiculous because I have provided enough documentation previously for it to work in my favor and that I have enough proof. The money came off my debit card through XXXX XXXX now they are saying they are unable to help. I have been scammed out of money 3 times and the bank did NOT help after having documentation and being reassured that I will win my case. I also have documentation of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
This purchase was made to an overseas merchant for 3 items in which I did not authorized, After, constant attempts to reach customer service in this matter ; I have been unable to reach anyone to remedy my dispute in this matter. There is an large balance from funds that again I did not authorized. Further, I filed a dispute and PayPal dismissed the dispute as not eligible for reimbursement with this transaction. In which the merchant is non responsive and have not replied to any request in reference to this transaction and remains unavailable. The purchase was made on paypal platform, I did not authorize any payment in this amount or for 3 XXXX XXXX  from an overseas merchant. In addition, I have previously filed with this agency about unreleased funds being held for merchandise sold on XXXX  where the funds are being held by paypay past the time frame mandated in its disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
This is a follow-up to my complaint you closed XXXX WHICH SHOULD NOT BE CLOSED. I am disappointed you are not handeling my complaint seriously. Here it is XX/XX/XXXX, and this is still not resolved. Great Lakes refuses to remove balances owed ever per their XXXX process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MA

Complaint narrative:
On XX/XX/2020 I recieved a call from Lexington law firm addressed at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX ... They stated they'd help me repair my credit for {$29.00} a month until credit improves. Stated I had about 3 hard inquiries on my credit report that they could fix. I agreed by XX/XX/XXXX they could take the XXXX and move forward. When XX/XX/2020 came I logged in and check my account with them and was going to cancel services but noticed they were going to take {$120.00} instead amount agreed on ( XXXX ) so even more I was going to cancel services. I go and look today again on my account services and now it states I'm needing to pay {$140.00}. I spoke with a female named XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My name is XXXX XXXX, Acct # : XXXX & XXXX. I have attempted to resolve this issue since I first closed on my home in XXXX of XXXX with NewRez via phone, faxes and email but it's still unresolved 1. I am requesting NewRez to do a Escrow Analysis on my account. I am a XXXX veteran who is exempt taxes on my home. 
2. Remove the unauthorized forbearance placed on my credit by NewRez.

3. Adjust my previous mortgage and my refinanced mortgage to show the exempt taxes. 

Unfortunately, I regret that it has come to this. I am unable to speak to a supervisor or manager regarding my account.but since my last correspondence I received a letter dated XX/XX/XXXX denying an ( alleged ) forbearance that I should have not had on my credit because my wife and I never competed the application. We have made ourpayments on time. No one never told us we were in forbearance no call, letter, or statement. It wasnt until I began to refinance my mortgage when I learn I was in deferment. If my loan was truly deferred then the two mortgage payment should have been returned, at least a letter stating such Again, this is one of the many attempts I have reached out to your company to clear this error including my ongoing request for escrow analysis since XX/XX/XXXX. I have notified you that I am a XXXX Veteran who is tax exemptand provided tax exempt letter. My County Tax office also spoke to your representative and also requested and escrow analysis ( an audit on my escrow and loan ). I am respectfully requesting asking for these issue to be resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a loyal Bank of America coustomer I have made several attempts to ask my Bank for a decrease in interest charges since the covid XXXX caused a shut down it seems every bank and credit card company car insurance and utility company has increased there rates I am not behind in my payments the Bank made a mistake and charged me a late fee but removed it once I called to correct the mistake it seems that was done so the bank could deny me of a rate decrease after speaking to a bank representatives because i have credit cards i pay through my checking account the bank sees the money going in and out of my account. They offered me to transfer my balance on the other credit card I have with another bank to one of there cards that has a higher interest rate. And would again put me in a credit card trap and i will not be able to pay this Credit off the agent said I see you have another card then he said I could refinance my home to get the equity out to pay them back in full but that's not going to help me but only make my mortgage higher and make it difficult if not impossible to pay that back. And loose my home plus all the other bills I have there forbearance for covid 19 relief hardship assistance that is offered would put me in a credit card trap that i wont be able to pay the interest rate that again is higher and seems to be a tactic the bank is using to get me to either keep paying the high interest rate and not watch my balance go down so they request more of a minimum payment and I am struggling to pay that because every other bill i have has gone up since Covid and the lockdown They are calculating the money im paying the other bank and there doing exactly the same thing the bank of America agent i spoke with hung up the phone on me after becoming combative with me and being rude and talking over me.I want to remove my accounts from Bank of America. I can not feed my XXXX child and I can not afford the high interest the bank keeps going up on me when we are all struggling from Covid 19 to recover one bank agent said they can lower the interest rate another says they can not and offered things that can put me bankruptcy or loose my home I am not asking to dismiss the payments I am trying not to file bankruptcy because then neither credit card gets paid.These increases have happened since the country went on lock down Im asking them to be fare to the customers that are paying we can not make up for the ones who are not able to pay anything to there credit cards at all

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WRITE THIS COMPLAINT BECAUSE SOMEONE ELSE IS TRYING TO OPEN ACCOUNTS ON MY BEHALF, DOING MANY CREDIT INQUIRIES IN A FRAUDULENT WAY WITHOUT MY AUTHORIZATION.

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 2020-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I had a loan with Hyundai Motor Finance. Paid off the loan on XX/XX/XXXX for XXXX $ via check. But the company told that they never received the check even though they received it and told me to make a online payment of XXXX $ same day in order to avoid further charges. They even told me that if they receive the check it will be voided. As soon as I did the online payment they took out two payments one for XXXX $ and XXXX XXXX On asking for the refund for the overpayment of the loan they told me it takes 15 days to process the refund. I have been calling Hyundai since then every friday for the loan over payment check but havent received anything. I am getting different answers from hyundai that they are processing and after that they told that they are sending but it might take a while. I have been waiting for the money since last 4 months. They are not even willing to expedite the delivery of the check in order to help me out. I can provide the proof of statements for the over payment. Also I have written multiple letters to the complaint department in Hyundai regarding my issue but no response from HYUNDAI MOTOR FINANCE.

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 2020-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED CAPITAL ONE OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASCCAPITAL ONE WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I file a dispute about incorrect items on my credit report. it been well over 30 days and i have not received any information about the investigation results.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WRITE THIS COMPLAINT BECAUSE SOMEONE ELSE IS TRYING TO OPEN ACCOUNTS ON MY BEHALF, DOING MANY CREDIT INQUIRIES IN A FRAUDULENT WAY WITHOUT MY AUTHORIZATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX Finance charge for overdraft charged by the bank {$.00} when there was no overdraft to charge for. 

XXXX XXXX, I called bank and was transferred twice until same agent who could not be understood well, came back on phone to say call another time. I was refused help by the bank and this has become the normal response for this bank. 

There has been no explanation of the fee. The bank should not be allowed to rob people of any amount of money.

Company response to consumer: Closed with explanation