vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from XXXX site online using my BoA card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - XXXX transactions of {$600.00} were executed for buying Digital gift cards totaling {$2400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed 3 transactions and gave me credit however did not reverse the 4th transaction of {$600.00}. 
4. I called the fraud department and they gave me a temporary credit via letter dated XX/XX/XXXX however reversed the decision on XX/XX/XXXX XXXX. I called the Fraud department and they asked me to appeal against the decision. 
6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim via a letter dated XX/XX/XXXX. I went to a BoA branch and we faxed all the necessary documents including Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. I followed up with my banker however these charges have still not been removed.

9. Instead BoA went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance.

10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. 

Request you to please help take it up with Bank of America card services. 
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 monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Quicken/Rocket Mortgage are in Violation of Respa Sec 8 Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. It also prohibits a person from giving or accepting any part of a charge for services that are not performed. These are also known as kickbacks, fee-splitting and unearned fees. 

Violations of Section 8 are subject to criminal and civil penalties. According to HUD, a person who violates Section 8 may be fined up to {$10000.00} and imprisoned up to one year. In a private law suit a person who violates Section 8 may be liable to the person charged for the settlement service an amount equal to three times the amount of the charge paid for the service. 

They are getting Insurance agents, Realtors, Financial planners to get their mortgage license and refer Quicken/Rocket loans/buyers etc and then they get paid 50bps. The Realtor, insurance agent, financial planner do no work on the file, they dont complete any of the required steps to get commission such as. take loan application, counsel, lock loan, price loan, structure loan, review disclosures, etc. They simply refer a name /contact info and get a 50bps commission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I legally changed my name on XX/XX/XXXX. By XX/XX/XXXX, I had changed my name on all of my credit accounts and with the Social Security Agency. By XXXX, my name was still not updated on my Experian Credit Report. I tried to dispute this in their online system but received an error that such information can not be disputed online and that I should call them to dispute. The number that I was provided led to a system of recorded messages that loop back to each other, with no possible way to reach a customer service agent. I would eventually find out that every single listed phone number for Experian leads to this same loop of recorded messages. I proceeded to send a letter to Experian about my name change, including supporting documentation. They updated my name on my credit report, but not on my online Experian account, nor in the emails that they send to me. There is no way to change this name online. On XX/XX/XXXX, I sent another letter requesting that they change my name in my online account, including my member id number and my supporting documents again. I received a response dated XX/XX/XXXX with dispute results and my full credit report, but no actual response to my letter and no change to my online account. I sent a third letter right away, this time also including printouts from my online account showing where my name was incorrect. Again, they did not make the correction. The fourth letter I sent was a duplicate of the third, with an additional handwritten note. I was admittedly very angry and the note that I sent was not kind. In response I received a postcard that they could not find my records. When I next logged into my online Experian account, my entire credit record had been erasedno account history remained at all. When I attempt to use their online dispute system, I receive an error that I can not submit a dispute due to security reasons and to call them at a toll-free number, which of course leads to the looped recordings with no way to actually handle the issue.

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 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have a difficulty with a purchase made from XXXX XXXX through " XXXX ''. I bought a ticket ( On XX/XX/XXXX ) with the date I needed but in less than a month of my trip I receive an email saying that the trip is no longer enabled that I have choose another date. But that is not possible for me since it was necessary to travel that same day, in addition to other connecting trips that I already had scheduled. I call the agency and they tell me that there are no more options, so I decide to ask for a fair refund of my money. The next day, XX/XX/XXXX, I receive a new email saying that my return is not possible. That I must communicate directly with the airline " XXXX '' but since that day I have tried to access communication with them and it has not been possible. I filled out a refund request from their page and so far I have not received any response. I feel that I have lost my money and it does not seem fair to me since I had to buy a new ticket even more expensive than the initial one. I go to this option to help me from my bank to recover the money. I attach a photo of the emails received. 

In the last screenshot you can see that my reservation is stoped and they haven't done anything so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a HELOC with Pentagon Federal Credit Union ( PenFed ) that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called PenFed on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX. 

While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through PenFed, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time. 

While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called PenFed 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit. 

My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered PenFed reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called PenFed today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them XXXX, but she would not budge from her position. 

I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that PenFed will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but PenFed has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.

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 2020-11-27 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: CA

Complaint narrative:
I noticed that my most recent credit report contains a late payment reported on XX/XX/2020 for my BANK OF AMERICA account. Because of my exceptional payment history over thelast 2 years, I would like you to consider removing the negative payment from my creditreport. At the time of the late payment, I was in the process of changing jobs. I say that notto justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that BANK OF AMERICA is willing to workwith me on erasing this mark from my credit reports.

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 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of Equifax Data Breach. I demand to Delete all those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
HELLO, I HAVE TRIED NUMBEROUS TIME TO GET A FORBEARANCE OR DEFERRMENT ON BOTH MY STUDENT LOANS WITH AMERICAN EDUCATION SERVICES. RECENTLY, BECAUSE OF THE COVID19 VIRUS, PRESIDENT XXXX PUT A NEW EXECUTIVE ORDER THAT ALL STUDENT LOANS BE DEFERRED UNTIL THE NEW YEAR. I NOTICED THAT MY STUDENT LOANS WERE SHOWING AS DELINQUENT ON MY CREDIT REPORT AND WHEN I CALLED AES, I WAS TOLD THAT MY LOANS DID NOT COUNT AS PART OF PRESIDENT XXXX 'S EXECUTIVE ORDER, BECAUSE AT SOME POINT, MY LOANS WERE CONVERTED TO PRIVATE LOANS, AND THEY EXPLAINED THAT PRIVATE LOANS WERE NOT INCLUDED IN THE EXECUTIVE ORDER. I SENT MANY EMAILS TO THEM REQUESTING INFORMATION AS TO WHEN MY GOVERNMENT STAFFORD LOANS WENT PRIVATE AND THEY HAVE NEVER RETURNED MY REQUEST. TO DAY MY LOANS ARE STILL SHOWING DELINQUENT EVEN THOUGH I TRY TO PAY THEM {$100.00} A MONTH TO CATCH UP, BUT I SHOULD NOT HAVE TO BE PAYING THEM ANYTHING DUE TO THE EXECUTIVE ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
There is a company attempting to collect a debt from me, but they keep changing the dates as to when the debt was opened in an attempt to never have the debt removed from my credit report. They will pull the debt from my credit and then replace it with a new date that it was opened!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Hello, in XX/XX/XXXX, i purchased a used car, while sitting at the desk of the dealer was discussing details with a finance company, i notice he was kind of secretive, but could not hear what he was saying, seemed he was hiding something from me, anyway, after he got off the phone he told me he was able to get a finance company who agreed on financing me. The dealer knew Santander Consumer USA, INC was under investigation since XXXX, but i did not know, otherwise i would not have accepted the loan. In XX/XX/XXXX, i was on my computer getting ready to make a payment to Santander, the first page on their site, was shocking to me, a report from the AG of NY, had a report about fraudulent auto loans from Santander against hundreds of consumers from twelve different states, had a lawsuit of {$550.00}, XXXX, in fraud from Santander, so far they have paid out {$65.00}, millions to consumers, signed over titles of vehicles, and forgiving their loans, but Santander is still under investigation to pay out {$490.00}, XXXX, from the {$550.00}, XXXX. When i got the loan in XX/XX/XXXX, i was part of that fraud, but Santander is denying me any resolution. I had three conversations with them. What Santander has been doing is : targeting people with a fixed income, somewhat imperfect credit scores, with the idea that they would not be able to afford payments, default on the loan, and then repossess the vehicles. I would appreciate any available assistant, i am a victim of this fraud by Santander, all i was trying to do was trade my older model car, for a more reliable one. I look forward to your response. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there are numerous problems with my credit report. there are unauthorized inquires and 2 accounts that are not mine and one is being reported as a charge off and another one that is being reported wrong amount see XXXX  XXXX  enclosed for explanation

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 2020-11-27 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: Colony Brands, Inc.
State: FL

Complaint narrative:
On the XXXX of XXXX, my credit was pulled without my consent, while I've already had my credit line with them for over a year. This caused a hard inquiry which dropped my score. I called the company ( XXXX ) and gave me a runaround, ultimately advising me to call the bureau to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: DISCOVER BANK
State: CA

Complaint narrative:
I previously disputed a charge to my Discover credit card account in the amount of {$250.00}. As I explained before, this charge came from XXXX XXXX XXXX. This clinic was illegally providing medical treatment to unsuspecting patients. They were falsely advertising their business as medical spa when it was actually a day spa. They have no medical doctor at their clinic and all medical assessment was done by either a nurse or esthetician when it should have a medical doctor. If I had known earlier of their illegal activities I would gone to legitimate med spa clinic for my laser treatment. They deceived me and took advantage of me. They also put my health at risk. Therefore, I ask for a full refund of {$250.00} through charge back. After Discover received a treatment form and sales receipt from the vendor, they concluded that the transaction was legitimate and decided to take the side of the merchant. I feel Discover did not do a due diligence when making an investigation. The documents they received were not enough to establish the legitimacy of the transactions. I only have one simple request at this point. If Discover could reopen the case, they need to contact XXXX XXXX XXXX to provide a one page copy of Fictitious Name permit issued by the medical board showing the name of their business XXXX XXXX XXXX. This is the only proof that their business is legit and authorized to provide medical treatment. Otherwise, Discover needs to issue me a full refund by charging back the vendor. Current complaint ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of XXXX  Data Breach. I demand to Delete all those accounts or I will file a litigation.

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 2020-11-27 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: LA

Complaint narrative:
On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of XXXX  Data Breach. I demand to Delete all those accounts or I will file a litigation.

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 2020-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Attempting to use my JCPenny  credit card ; my transaction of {$190.00} was declined while having an available spending limit over {$2200.00}. The app shows my account is due for the next payment on XX/XX/2020 for {$130.00}. I paid {$100.00} today, after the card was declined. I called the customer service line and was told that the card declined because it was past due and that I would need to make a payment prior to XX/XX/2020 and wait processing times for the card to be active again. I received no notice id late payment and confirmed with the accounts manager with synchrony bank that they did not send any form of indication. The app for my account does not show or post any past due notification.

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 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I initially opened the account, in branch, in XXXX XXXX, approximately in XXXX and had an off and on ongoing relationship with Charles Schwab checking, and brokerage accounts. Recently the account was re-opened, but then closed several days later under my previous login ID XXXX and connected to email XXXX. Now, I re-opened under XXXX and again the account was opened, and accepted, and at the point of funding, yet there seemed to be some challenge in logging in. I called the information line was informed that the contact information was changed ( i.e. the information I registered the account with just days before was not the information on file ). Further, I currently hold multiple similar accounts, and this is not a credit account, but instead a self-financed, non-credit, liquid account, it is absolutely XXXX, and " red-lining '' to prematurely close, after opening, and providing the opportunity to fund, and seemingly retaliatory, and discriminatory, as I submitted a note that I was concerned that my previous login, XXXX was taken, and could potentially be part of identity theft issues ( and other related concerns as I'm suing XXXX XXXX XXXX for similar, and perhaps related concerns ). See Austin v. Tesla, et. al. 3:20-cv-00800 ( currently in 9th Circuit ) analogous to {$160.00} XXXX  Dollar lawsuit won for Plaintiff in XXXX XXXX of California XXXX ( Very similar underlying causes of action, stated facts, and proof ), Chopourian v. Catholic Healthcare West , No. 2:09-CV-02972 ( E.D. Cal. Feb. 29, 2012. Also, similar concerns to Austin v. Atlina et al 4:20 cv 06363 ( Civil Rights, Retaliation, Aiding and Abetting ID Theft, Privacy, HIPAA violations, Fraud, Negligence Per Se, etc. ).

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