vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a horrible year dealing with Bank of America 's negligent behavior. Regardless of my income level, I am still a client of theirs and their treatment of me was horrendous. When I tried opening a business account, the representative in charge of this at the bank incorrectly entered my EIN number and I'm lucky to have caught it. This representative asked me what the difference between an LLC and XXXX is and she asked me what an LLC was. She also gave me incorrect information about adding a person to the account, stating they do not have to be present with me in person but can go to a BoA account in their state. This information was incorrect. 

Last year, their debit cards stopped working nationwide and they never addressed it to their customers nor did they ever apologize for it. I wasn't able to access my account via my card for a whole day and when I arrived at a physical location, I heard tellers accuse their customers that they were lying about the debit cards not working. 

I had a representative on the phone yell at me and tell me that " I clearly don't know how banking works '' and insinuate that I was stupid. 

Their fees are awful. If my personal account would overdraft by a dollar, I wouldn't be aware of it until the next day when I would wake up to overdraft fees. The e-mail notifications would hit my inbox at XXXX XXXX  and I was asleep and wasn't aware. 

They do not communicate properly with me. 

I am a small business owner and use XXXX. XXXX takes approximately two days to deposit funds into my account. They weren't forgiving at all and wouldn't help me override overdraft fees. By the time I had funds deposit into my account, on that same very day, it would go overdraft again because of their overdraft fees. I could never win with them. 

The worst part about it is that they are currently closing my account without having sent an e-mail or a notification. That account is the one linked to the IRS and it would have been where I would receive the stimulus check. I tried to ask them to stop the process but they wouldn't. I wish they would have informed me when they would start to close the account because I would have deposited money to keep it open. I already filed my 2019 taxes so the IRS may mail me a check but it's just awful because it will take longer than just having it direct deposited into my account. The online teller was surprised that I didn't receive a notification. 

This bank is by far one of the worst banks I've ever had an account with. I will never do business with them again. I was warned by friends not to open an account with them years ago and I should have listened to them.

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
In XXXX XXXX response on XXXX, XXXX to my request submitted in XXXX he does not supply the info i requested : on XX/XX/XXXX i rec 'd a statement dated XX/XX/XXXX with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance XXXX XXXX XXXX unapplied funds but they refuse which is a violation of the CFPB instead he sends a copy of my mortgage and states i can contact them by phone or send a letter, well if you refuse to respond to my letters i have to use CFPB to request the info, and as shown in your response you still refuse to supply the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
Harvard Collection Services placed a debt for {$660.00} for what appears to be a medical debt. I never received any notice of documentation that supports that I owe this debt. I'm asking to see and original contract & XXXX release form with my signature verifying this alleged debt. If they can not provide this debt, it shall be deleted from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I needed to create a stop-payment. The bank representative stated they do not allow for a stop payment based on the check being " vendor initiated '' This violates my right to stop check payments. I spoke to numerous representatives and finally XXXX employee id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
I was four days late making the payment. Only because they do not give you an option to pay online. They required I come in. I was avoiding doing so because we are in the middle of a virus epidemic. I have never been later before, ever.They called all my references repeatedly harassing them to have me call them. I called when I was able to, to say I would in fact make the trip in on the coming Friday to pay them when I got some money. They told me it was to late and I had been sent to collections after just four days. Now they are harassing me about paying the balance in full. Calling me at work and all hours of the day. I tried to explain that right now I just don't have the money. They are taking advantage of people who are struggling right now and sending people to collections during this epidemic. I offered to pay what I could when I could and they do not want to accept. I am a single mother who is struggling right now. I have lost hours and pay during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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:
I have been trying to rent an apartment and today XX/XX/20 I applied at XXXX XXXX and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Novea Portfolio Management LLC
State: MT

Complaint narrative:
XX/XX/XXXX XXXX XXXX  and I called them back at XXXX XXXX  -- received a call from Novea Portfolio stating that they were going to take legal action against me. He stated that they would get a judgement against me. I informed them that the debt is being handled by XXXX XXXX XXXX and they stated were not legal representation and would not talk to them. The man then began to get angry, yelling at me, while I was trying to explain that we signed a Power of Attorney that gives XXXX XXXX to work on our behalf to resolve the debt. He hung up on me. ( phone number XXXX ) XX/XX/XXXX XXXX XXXX- I called Novea Portfolio back to try to give them the information for XXXX that the first guy would not take. I talked with a XXXX. He then proceeded to do the exact same as the first guy, yelling at me and threatening legal action. At this point he would not take the information and I hung up. ( phone number XXXX ) XX/XX/XXXX XXXX pm- XXXX XXXX me back from an XXXX number to which he told me they would be pursuing legal action against me. ( phone number XXXX ) This account has been with XXXX XXXX XXXX since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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:
I have been trying to rent an apartment and today XX/XX/20 I applied at XXXX apartments and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.

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 2020-04-14 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: CA

Complaint narrative:
I have been trying to rent an apartment and today XX/XX/20 I applied at XXXX XXXX  and I was told that I did not qualify to rent there due to having negative accounts appearing on my credit report. I was shocked to hear this since I have always made it a priority to stay on top of my payments in order to maintain good credit. I looked through my credit report myself and saw several accounts that do not belong to me. There are over ten accounts on my credit report that were opened without my permission. I have no idea who stole my personal information to open these accounts but I have already reported it to the police as well as filed a complaint with the Consumer Financial Protection Bureau. I did not benefit anything from these accounts nor did I contribute to any payments or purchases made.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a zero balance on my credit card with Bank of America. They took out an automatic payment of XXXX dollars from my XXXX XXXX  account on XX/XX/2020. I have called them multiple times to see if they would refund it. They tell me I need to give them my bank account info over the phone for them to refund my money. I find that suspicious since they have my account number to take out XXXX dollars from my bank. I asked them why they would do an auto payment for XXXX dollars if the balance is zero and I do not owe them anything. They told me oh that is what we always do unless a person cancels the auto payment. I find it interesting that Bank of America takes money from people even when they owe them nothing. A short if statement in their computer program would make this never happen. It is simple if balance is less than or equal to zero and does not rip off money from the consumer. I even asked if I closed the account if they would still need my personal bank info and they said yes so they could refund me the money. So if I closed my account they would keep XXXX dollars of my money I did not owe to them.

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 2020-04-14 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: NC

Complaint narrative:
During XX/XX/2019 I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXXt ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and 30 K of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX  XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/2019, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NC

Complaint narrative:
During XX/XX/XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX K of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NC

Complaint narrative:
During XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX   runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Betterment LLC
State: NJ

Complaint narrative:
XX/XX/XXXX - From the Betterment website, I initiated a transfer in the amount of XXXX ( transfer # 1 ) intending to make contributions to my Roth IRA for the XXXX tax year. 

XX/XX/XXXX - XXXX XXXX XXXX transferred XXXX out to Betterment. 

XX/XX/XXXX - From the Betterment website, I initiated a second transfer in the amount of XXXX ( transfer # 2 ) to max out my contributions. 

XXXX - Betterment claims both transfer # 1 and # 2 were rejected. One for insufficient funds with a return code R01, and the second for what they called " Uncollected Funds '' with code R09. 

As far as I can tell, XXXX XXXX transferred money to Betterment ; yet, Betterment never returned it back to me. I have been calling Betterment and XXXX XXXX XXXX for two months in order to get to the bottom of it. Betterment claims they do not have my money, but the last record of it is leaving XXXX XXXX and never returning to my XXXX XXXX XXXX  account. 

I can provide transaction numbers from both parties on request. 

I can't get either party to agree ; however, the transactions were initiated from Betterment and I believe they are in the wrong here having taken my money and not returned it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Issues : 1. Navy Federal Credit Union is not complying with my request for a 180 mortgage deferment. I made the request because I am experiencing financial hardship brought on by the COVID state of emergency. 

2. I was offered a 90 day foreberance and told once it expires I'll need to request another 90 day foreberance which will be reviewed by NFCU. When asked what the review process entails and what qualifies/disqualifies a person for a 90 day extension the customer service manager would not answer. 

3. NFCU would not commit to any terms or options at the end of the foreberance period to repair the loan. I was told by the customer service manager that we can not talk about those details until the foreberance period is near expiration. 

Date of call/s : XXXX XXXX, 2020, XXXX. 

Customer Service manager : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation