vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During 2018 I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX, his sickness impacted the household income, I didnt expected the situation where my full income went straight to my family basics needs when I applied for this credit card.

To make the everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent the company to continue working so work was stopped by week and at some point inconsistent, as result of the wildfires my income was reduced for less than the half but was a disaster out of my control.

With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral.

From someway or other I made some payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called Capital One to ask for a relief or forgiveness with the late payments on my credit report history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money because I already paid in full the balance owned to Capital One, I am just asking to delete or remove the late payments in my credit report history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: PA

Complaint narrative:
I received fraud charges on my card on XX/XX/2019 for XXXX, and XXXX XXXX XXXX, XX/XX/2019 online XXXX,XX/XX/2019 XXXX XXXX, XX/XX/2019 online XX/XX/XXXX, lots of money gone and they are giving me the run around getting the charges fixed and told me I had to call up all the places that were charged and talk to them to get the money refunded, so I called all the places and they told me I had to go through the card providers to get it all fixed. total run around, my other bank didn't do this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex refuse to issue promotional offer of XXXX delta skymiles after I met spending limit of XXXX dollars.They said I have open card in the past and closed or not used them but they can, t send me any policy in writing to support this decision.i will seek legal representation if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/2019, I discovered a negative item, ( XXXX XXXX XXXX ) has been reinserted into my credit file. You are Required by law to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

The consumer law states that if the account was deleted as a result of a dispute then the credit bureaus are required to notify the consumer where an account is reinserted. And even moreso the FCRA reporting period have expired. So this was reinserted illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I saw a program " pave the wage '' advertised by moneylion bank in XX/XX/2019. I clicked the 'opt-in ' button on my phone and then it redirects me to a new page in my browser " XXXX XXXX XXXX ''. And I thought I'm all set but just not quite sure, thus I contacted the customer service and was told there is no way to tell whether I was enrolled successfully or not. So I just move forward and meet all the requirements posted there but unfortunately I haven't seen the open account bonus. Trying to contact the customer service couple of days ago, the response is they could not find my name on the list which means I'm not eligible for the bonus. It's kinda of a cheating, if they can not see my name on a 'list ', why they can not tell me the in the first place. Or it's just a glitch in their system. 

Attached documents show the details and terms of this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: MD

Complaint narrative:
I am a victim of identity theft/fraud. I have sent my FTC identity theft report and all other supporting documents that Equifax has asked for, yet I have not received an adequate solution. According to the identity theft government website, credit reporting agencies have to erase the fraudulent information within 4 days of receiving my FTC report, yet, Equifax is saying that it would be an additional 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have problem with Best Buy store in XXXX, KY. Last year, in XX/XX/XXXX, the store issued a credit card to me. With that card I purchased a cell phone XXXX XXXX XXXX costing {$250.00} I paid {$64.00} ; meanwhile I had a family emergency that obligated me to go out of the country on XX/XX/XXXX. Before I left I urged my nephew to make payment every month on the XX/XX/XXXX. My nephew was at Best Buy store to make payment having the last four digits of my credit card. What was amazing, Best Buy associates couldn't find my account, they wanted the 16 digits of the card. The nephew reported to me and I copied the recto and verso of the card and sent it to him by XXXX. It did not take 3mn to receive the message. My nephew showed the copy of the card again they could not find my account. Again they want to have my social security number. I called my nephew and communicate the number to him. He was told by the same people that the social security number did not recognized. How come? It is the only social security number I have all my life, and it was with the same number used when they opened my account at Best Buy Store. Now how my nephew can make payment since they do not have my account. 
I came back in the country on XX/XX/XXXX. I personally went to Best Buy store and I experienced the same experience that my nephew had with them. This time they did try with my Kentucky State ID, the result was negative. They continue to send my statement by email and with these emails, they ask me to contact them. I did call them several times but each time I gave them the 16 digits the account is still unfounded. Even if it was a money collection, they should direct me to the company that collects their money and to which I can discuss how to make an arrangement ; but they continue to add fees from {$190.00} it was to {$320.00} with a minimum payment of {$240.00} I called to the number XXXX and I was asked my account number but the account was not found. My social security number was needed, again it was not recognized. I was transferred to another department where I met Mr. XXXX whom could not do anything good. He transferred me to another department where I met Ms. XXXX ; she did not give me what I was expecting. 
This time I use the number on the back of my cardXXXX to call the customer service. One lady pick up the phone and asked how she could help me. I tried to explain to her the whole history but it was too long ; she asked me to write down and to fax them at the number XXXX. It was on XX/XX/XXXX. I wrote the letter 1 plus other 3 emails I wrote to Best Buy previously and fax them the same day at XXXX. 
Till now I do not receive any response from Citi.

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 2019-07-23 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: FL

Complaint narrative:
I have no idea who or what these accounts ares or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. This report is indicating that these accounts listed on the attached letter was opened. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized as a third-party collection agent if applicable.

4. Provide a true and correct copy of the instrument by which company } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to the company, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
We have been paying on this car loan since XX/XX/XXXX. We have overpaid by thousands of dollars and they agreed to not pursue any more charges on the loan ( 6000 something on a XXXX loan that started in XX/XX/XXXX ) and to send us the title last week on XXXX  XX/XX/XXXX at XXXX : XXXX XX/XX/XXXXPST. 

They claim we have paid late EVERY SINGLE TIME except for six times in the total of the loan, which is absolutely absurd and completely wrong. We have kept nearly every single letter they've sent us, including times they've claimed we haven't paid when we did and it reflects on our bank statement. From what we can tell, they charged us late fees if we paid ON the due date. Only time they didn't is if we paid 2-3 days before. 

This afternoon, ( XX/XX/XXXX ) I received a call from their number XXXX where the collection department person refused to give me their name or extension or employee ID number and where they threatened to XXXX XXXX  me or my husband if we refused for them to take the car tonight when they send a tow truck. They yelled at me when my children were noisy in the background and told me I was financially responsible to pay the rest off immediately. I ended up hanging up the call because they would not stop yelling and I refuse to be physically threatened.

I am giving Navy Federal a VERY short amount of time to get this resolved. I expect them to not collect another dime from us and to send us the title like was promised on XX/XX/XXXX at XXXX XX/XX/XXXX PST. 

After being threatened with bodily harm, we are done negotiating with Navy Federal and expect IMMEDIATE response to this or we will be suing them for emotional distress, for threats of bodily harm and for fraud. This is unacceptable and very traumatic. We will not stand for being threatened with bodily harm or lying about payment status, etc. Enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX   continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` Regional Acceptance Corporation '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want XXXX  to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.

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 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: VA

Complaint narrative:
During banking fraud on my XXXX XXXX checking account I discussed with XXXX XXXX XXXX customer representative that after my last payment I was no longer going to need service for the internet on XX/XX/XXXX they sent an email to discuss why I wanted to terminate my service with a survey. They agreed I was all paid in full and please send me a letter and what I need to do with the equipment. I never received the letter but my service was disconnected so I never used the system again. In XX/XX/2019 I received a letter from Joseph , Mann & Creed, a Collection Agency requesting {$78.00}. Without proper billing how do I know that is what I owe and how did XXXX XXXX XXXX arrived to that amount? I have been a customer for over 10 years and always received an email or 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 non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXXt XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. i never opened an account with XXXX XXXX XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. Im not sure why Equifax is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and Iwant something done about this!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XX/XX/2019 checked personal email and noticed a Navient email from XX/XX/2019 regarding an application for income driven repayment plan. I did not apply. I called and spoke with XXXX at XXXX EST. She stated there were documents that did not pertain to me, my loans, or my account with Navient. I asked that the call be transferred to a supervisor and spoke with XXXX at XXXX EST. He informed me that the call was transferred to him with the incorrect account information ( my not reason for the call ). He got back on the line and explained that the documents of another customer were incorrectly scanned into my account. He stated he would put in a support request to have the invalid documents removed from my account. Is there anything else I can help you with?. I explained that, that was not an explanation and did not make me feel less concerned as my own documentation is in my account and Im not sure whats happening to it at this time. I requested to speak with another supervisor. The call was unable to transfer so I received a call from XXXX at XXXX EST. I informed her what was going on and she stopped me mid sentence to verify my identity. This is the FIRST time Ive verified myself during this process ( which I did let her know ). She said this is a serious issue that records and documentation are NOT being verified when being uploaded to customer accounts- when being received by fax. Online uploads have a time stamp. I asked if this wouldve been caught had I not called being concerned, the answer was no since it was already an accepted application posted to my account. It wouldnt have been able to process the app, but there was no way to follow through in the duration. I did tell her there are serious repercussions of this, had I not informed them of their mistake. This girl was requesting INCOME DRIVEN PAYMENTS!!!! Im not sure what her situation is, but had it not been processed and accepted, this could have defaulted her accounts ; in turn, affecting her credit report. XXXX apologizes and thanked me for my effort, and was grateful to me for the other customer. She also said shed make a follow up call to maintain communication regarding the documentation being removed. I did ask that she upload the documents to the correct customer account. What I am upset about is XXXX, whos meant to be a supervisor, wanted nothing to do with this call. Did not want me to voice my concerns. Did not care how I felt regarding VERY sensitive and personal information pertaining to mine and an entirely separate persons account. I expressed my disappointment in XXXX to XXXX ; again, sensitive and personal account information. Reiterating that my identity was NOT verified, I am extremely concerned with how documentation and application processes are being managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Well on XX/XX/XXXX i received an certified check through the msil for XXXX i took it directly to my bank PNC on XXXX and XXXX in XXXX  i told the Teller i wan na know if it is real she stated once we process it if it is no good it want go thru the next day it was cleared i went shopping then 5 days later i get and e-mail that the check bounced now they telling me my account is negative XXXX plus recruing fee that's not fair because a bank suppose to verify these things throughly if it went through the bank processing system

Company response to consumer: Closed with monetary relief