vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
ON XXXX XXXX I CALLED MY BANK TO WIRE MONEY TO AN ESCROW COMPANY, THE REPRESENTATIVE NAMED XXXX FROM THE WIRE DEPARMENT WAS VERY RUDE ASKING ME THE SAME QUESTIONS OVER AND OVER, SO I ASKED TO SPEAK TO A SUPERVISOR THE SUPERVISOR ASKED ME TO UPLOAD THE WIRING INSTRUCTIONS THROUGH EMAIL AND I DID.THE VERY STRANGE THING ABOUT THIS REQUEST IS THAT THEY HAVE RECORD OF THE WIRES SENT BEFORE TO THE SAME ESCROW COMPANY THAT PREVIOUSLY I HAVE SENT.WITHOUT ANY NOTICE THEY BLOCKED ACCESS TO MY ACCOUNTS INCLUDING MY CHECKING ACCOUNT MY SAVINGS AND ALSO MY CREDIT CARD.WHEN I CALLED FROM XXXX I DID NOT HAVE ACCESS TO BUY WATER OR GROCERIES TO EAT NAVY FEDERAL DECIDED TO TELL ME THAT MY ACCOUNT WAS UNDER REVIEW.I ASKED WHY AND THEY COULD NOT GIVE ME A REASON OR HOW LONG FOR THIS REVIEW. I HAVE NO ACCESS TO MY FUNDS I RUN A BUSINESS AND NEEDS THESES FUNDS IMMEDIATELY I HAVE CONTRACTS PENDING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
GC Services Limited Partnership took out a debt collection for an auto loan. They sent me a letter dated XX/XX/2020 stating that I owed a balance to their agency, which is correct. However, since I received the letter notifying me of the amount due, they continually and repeatedly called both my personal cell phone number and my mothers cell phone. When calling my mother, they stated they were a Law Firm calling about my collection. She hung up and blocked their number. They then continued with persistent, annoying, and harassing phone calls that would begin as early as XXXX XXXX ( EST ) and continued throughout the day. I normally do not answer unknown/spam calls. When I would use call filtering to block their number, they would use another phone number from the same area code to call immediately after I declined the first call. I got calls from several local area codes throughout the day, as frequently as 3 or more times a day. ( Examples of numbers they attempted to use to contact me : XXXX, XXXX, XXXX, XXXX ) When I would answer, they never stated the company they were calling from or even stated their intentions for the call. I had already set up an online account to pay GC Services on a set schedule and they still continued to harass me multiple times daily about my outstanding debt. Their corporate number listed on the letter I received also never called me. Only random phone numbers from area codes nearby. I called on XX/XX/2020 to inform them that I currently lived in a different time zone and that I wished to not receive calls at XXXX ( PST ), which, in one week, they managed to call me at XXXX, XXXX, XXXX on multiple different days. I have phone records and time stamps to prove that. The representative stated she would make a note of it on my account. Since then, no further calls have been placed as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX I requested a rolling balance transfer through the Discover Messenging portal. I was  consistently refused, even though I had available credit of {$1300.00}, paid on time historically. I was referred to XX/XX/XXXX Pricing Schedule. Under 'Fees ', 'Transaction Fees ', Balance Transfer ', it states, Offer # 1, Intro Fee of 3 % of the amount of each transfer ... above. " AFTER THAT, 5 % of the amount of each transfer. ' -- This leads one to believe that 'rolling ' balance transfers are available from the XX/XX/XXXX promo offer of 14 months. Also, at the bottom is a 'cross cross ' symbol that says, 'See the terms of the applicable balance transfer offer for details. ' Well, the 'terms ' are not given, spelled out, or obvious any where in the 'Cardmember Agreement ', other than, pg 2 " How we include fees ... We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. ' and Pg. 3,  'Definitions ' '' Balance Transfer '' means a balance transferred from another creditor to your Account.= NO Where in Any Disclosures provided that 'Balance Transfers ' at 0 % are not available if Credit is Available or not rolling from the Promo of XX/XX/XXXX for 14 months. I've called several times in the last year and the 0 % for purch and balance transfers were active as rolling, expiring XXXX for purchases & XXXX for BalTransfers. Never presented as 1x 0 % offers, only 14 mo rolling offers that would expire as directlyprevious. 
ConsumerCreditViolations=Bait & Switch , Not Allowed to 0 % Bal Transfer until XX/XX/XXXX even though I have {$1300.00}. avail credit with missleading bal transfer credit & markting promo information. No where in any credit card info is the 0 % defined as not rolling for 14mo or missleading & a 'timed offer ', just to deny me even though I have avail credit on the card. Damages= Unable to bal transfer at 0 % from XX/XX/XXXX to the expiring XX/XX/XXXX discriminatory credit practices= I've paid more than Min Bal each month, on time & with avail credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to establish an Exprian credit monitoring account. Experian has identified me by name, address, birthdate, and social security number and has rejected my account application claiming that I am deceased in their data bureau. I am not deceased! I have spent two months writing to Experian and telephoning them 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 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Cardinal Financial Company ( Limited Partnership ) offers a bi monthly ( every two weeks ) payment option that requires the mortgagor to allow electronic fund transfers/debits from their banking or brokerage accounts. 

I do not allow any financial entity to access my brokerage account and I pay almost every bill or invoice through XXXX 's Bill Pay system. 

After setting up a bi monthly payment process for my mortgage payment I was informed by Cardinal that they would not post any " partial payments '' and they would only post my payment to the mortgage account only after my payments had accrued to a full payment thereby defeating the purpose of executing a bi monthly payment system from XXXX 's Bill Pay system. 

When I spoke to a manager about this process she asserted that the only way I would be able to achieve a bi monthly payment process was to allow Cardinal to debit my brokerage account for payments every two weeks. 

I asserted that I did not think that they could legally postpone my bi monthly payments if I was paying them every two weeks from XXXX 's Bill Pay system as internally they offered the same option but require direct access for debit disbursements from my brokerage. 

With the plethora of cybersecurity breaches that occur almost weekly now - I, as a concerned and knowledge cybersecurity professional DO NOT want to provide access to my brokerage accounts to any business entity for any reason. 

XXXX XXXX firms provide a Bill Pay service that electronically transfers my payment to Cardinal 's Mortgage processing system/business entity. 

Therefore I am questioning the legality of Cardinal 's bi monthly payment process and would like to see if a determination can be made if they have a legal foundation for their current policy of only allowing bi-monthly payments to be executed only if the customer allows access to their banking or brokerage account for those payments. 

Cardinal Payment Processing Entity ( XXXX XXXX XXXX XXXX ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NM

Complaint narrative:
Hello, When I created my account to apply for unemployment, I was automatically given a XXXX XXXX account and issued a card. I switched it immediately to the bank account I currently have. 

When I called the unemployment line, it asked for my social security number, I entered it, and was immediately routed to my account balance. 

I have been denied unemployment, so I do not have an account balance, and I was not told I would be given the account balance, or charged a fee for being given the account balance information. I received a bill in the mail, for inquiring about my account fee, for the XXXX XXXX card, even even though I was denied unemployment, and have never activated the card or account. My unemployment was set up for my current checking account. 

The company that issued the card has an automated phone line, and I am unable to get through to anyone. I do not know what to do or who to contact, but this seems very illegal. 
I also do not want to be delinquent on a bill for an account that I don't have, and XXXX XXXX can't find any information on the account, when I call them. 

I would like to report this as a fraudulent activity, and I would also like to know who to contact to get the fee waived. It is small, but as I don't have any unemployment, I can't really spare {$0.00} I also don't even know how I would pay the fee, since I am unable to get a hold of anyone. I also don't want to be charged late fees, for an account I don't even have. 


The company is EPPICard, their phone number is XXXX Their Address is XXXX XXXX XXXX XXXX, TX XXXX The bill states that the fee was incurred during XXXX, and posted on XX/XX/2020. 

Again, I never inquired about a balance, and should not have had a card. I called the New Mexico unemployment line, which immediately asks for your social security number, after confirming the call is in reference to unemployment. 

The phone number for New Mexico unemployment is XXXX have not been able to contact unemployment to discuss this, and I am afraid to call their number, because I do not want to be billed for calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: NE

Complaint narrative:
I spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( Experian and XXXX  ) will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA 605 blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX  ) this action might constitute fraud under both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on 3 different occasion i have sent depute letters to experan, XXXX  and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.

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 2020-08-22 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXX -XXXX XXXX XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -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 2020-08-22 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXXXXXX -XXXX XXXX  XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MS

Complaint narrative:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. " FCRA requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: NE

Complaint narrative:
I spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( XXXX  and Transunion XXXX will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA XXXX blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 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: REGIONS FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation