vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/2020, PenFed Credit Union deactivated my credit card " in order to protect against possible unauthorized use. '' They had no basis for suspecting " possible fraudulent activity. '' The charges they identified were well within the parameters of the way I have used the card for years. I was unable to resolve the problem over the telephone, because when I finally got through to an agent, she had what I eventually came to see as an endless number of security verification questions, which led to the conclusion that she had no intention of helping me. It was also not possible to resolve the problem online. 

The " protection '' PenFed referred to was to protect them, not me the customer. And this " protection '' came with complete disregard for the convenience of a good customer.

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 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
In XXXX of XXXX, I reviewed my credit reports from XXXX, XXXX, and XXXX credit bureaus, and identified an collection account for which I do not owe any money. A company doing business as National Credit Adjusters reported to the 3 major bureaus that I owed them a balance of XXXX. I disputed the charge, as I do not owe the amount. I reached out to the company for validation of the unknown debt, and was not successful at getting this account verified. I have never conducted any business transactions with this company. Per the credit reports, it states the account was opened in XXXX of XXXX. I DID NOT OPEN ANY ACCOUNTS WITH THIS COMPANY OR ANY OF ITS AFFILIATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: OH

Complaint narrative:
There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with Experian but they did not remove the account. Experian has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, Experian must remove the account from my credit report. Note that other reporting agencies such as XXXX  has removed this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a medical debt in the amount of {$1000.00} under the medical practice of XXXX XXXX XXXX being reported by the collection agency XXXX XXXX XXXX XXXX as of XX/XX/XXXX, XXXXAccording to the National Consumer Assistance Plan implemented and initiated by XXXX, TransUnion and XXXX  in XX/XX/XXXX, medical debts won't be reported until after a 180 day waiting period to allow insurance payments to be applied. The credit reporting agencies will also remove from credit reports previously listed medical collections that have been or are being paid by insurance. I have tried to dispute with the credit reporting agencies and they are violating the FCRA AND DISREGARDING THIS RULE OF LAW.

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 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
REFERENCE CASE # - XXXX I HAVE SENT THIS INFORMATION SEVERAL TIMES SINCE XXXX VIA FAX OVER THE PAST FEW MONTHS, I RECEIVED NO RESPONSE. 
ALSO, I NEVER RECEIVED THE " AFFIDAVIT '' THAT I WAS REQUESTED TO SIGN IN THE XX/XX/XXXX LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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 CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED TRANSUNION, XXXX  AND XXXX I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM

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 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I attempted to refinance a Chase.com mortgage based upon rapidly changing market conditions. I am currently a Chase mortgage customer. 

On XX/XX/2020, I was issued a quote for a 15-year fixed for including points of 0.265 %. 
Then on XX/XX/2020, I was issued a quote for the same mortgage product for 0.866 %. 

No difference in Credit Score or other factors was presented to the brokers. 

Chase Mortgage is using the coronavirus situation to inflate points related to a national crisis to profit and price gouge customers. 

Chase has advertised in both mailings and on their website a rate of 2.5 % ( APR 2.651 % ). This is completely a bait and switch advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
ive had loan with XXXX later changed name to XXXX XXXX for almost 10 years in XXXX sold my loan to shellpoint morgage servicing. 3 months later approximately XX/XX/XXXX sent me letter havent paid my insurance on condo but i had whole time sent then state farm insurance with policy and all details then called state farm and they sebt copy of whole policy, about month later recuieved letter again never paid insurance, they said when callled never recieved and took XXXX ourt of escrow and owe another XXXX and XXXX im on XXXX and am double paying my insurance sent then through condo manager with details of company who to contact asnd manager at condo, they throught it away according to supervisor i talked to later, then said she needs to talk to condo manager with conference call she set up time at XXXX XXXX  to XXXX next day i called condo manager make sure there and oked but shellpoint supervisor hasnt called is 3rd day now and i cant ask manager to wait for calls never come they have told me on several occasions had info processing and dont worry everything straighted out never happened and about 20 or more times i left number on answering machine said would call back in order recieved didnt call back but one and didnt call back for conference are lying to me putting me heave in debt and i have all bills baid

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and used my name and accounts in which I contacted the company right away and they removed the negative items from my credit report and now its back again its not friar to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has my auto loan. They have a policy of any overpayment being applied to the next payment for up to 3 months. Once you are 3 months ahead they automatically apply overpayments to the principal. They claim that all you have to do is call in to have the overpayment applied to the principal and there is no way to do this electronically. 

So if you pay {$100.00} extra monthly, particularly electronically you also have to call in to get the {$100.00} applied to principal. This is annoying in itself and a burden on the consumer. The real problem is in the call. Unless you are extremely specific, the teller will apply the additional payments to the principal but do it ON THE DATE OF THE CALL, NOT ON THE DAY YOU PAID THE MONEY. Most tellers do not understand the difference and you end up making multiple calls to get them to make it right. 

Most people pay electronically via another bank and would not catch this.

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 2020-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Hi, I called Marcus by Goldman Sachs as we have 3 Certificate of Deposit accounts with them, each with approximately {$100000.00}. 

I had called because I wanted to make sure I was added as joint account owner on these CDs with my wife. She had opened them after prior CDs ( where we were joint owners ) had expired and thought she had designated these accounts as joint accounts as well. 

However, the Marcus Customer Service representative, XXXX from XXXX, TX, refused to to do this, and would not tell me why, even though we had prior CDs with Marcus where I was joint account owner. 

I am concerned about this because this means my wife is over the {$250000.00} FDIC insurance limit, which makes me feel unsafe. 

I was also surprised that Marcus and Goldman Sachs REFUSES to be more transparent as to why they can not make this change - the representative only said he can not do this, refused to let me speak to a supervisor, and refused to offer any explanations. 

Therefore I am asking the CFPB to put Goldman Sachs in their place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BWW Law Group, LLC
State: VA

Complaint narrative:
i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XXXX, XXXX, 2020 again, by BWW LAW GROUP , LLC. alleged plaintiff 's counsel for XXXX XXXX XXXX XXXX, I ; never had any contract with XXXX XXXX XXXX XXXX, i do not know the CEO, none of their information such as, address, telephone number, name, email, web site. in order to settle any debt that is true, due, and owing. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: NJ

Complaint narrative:
I use transferwise as my regular checking account I to which my employer pays my wages. My employer has so far made regular deposits into my account since XXXX and every time the bank holds the deposit as pending and I dont have access to my own cash for up to 4/5 days. 

When Ive called and messaged them via their XXXX chat option they revert to repeating that sometimes need to do checks to satisfy regulators. However, this has happened every single time and they cant explain why or how long these checks should take. Which leaves me waiting indefinitely to access my own cash. 

Its now in a situation where my rent is late and Ill will begin incurring fees associated with this. And they arent able to offer me a solution other than to continue no use waiting. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to my tax preparer to prepare my taxes and to pay him for his services he deducts the money from my federal return. The check went to XXXX and then was suppose to be direct deposit into my account however Bank of America rejected the deposit. I was given a paper check which I then depositing via Bank of America Mobile app. Bank of America decides to place my check for 8 business days even thought XXXX cleared the check and sent it to Bank of America they are stating that they do not have the funds however XXXX states that the funds was given to Bank of America. Bank of America it have have the proper reason as to why my check is on hold except for they dont have the funds however XXXX bank manager isnt explaining that the funds was release and Bank of America has the funds. I dont have my money and now have to wait 8 business days to get my money. I need this problem fix and no one is willing to help. Bank of America is using my check to gain interest because I havent heard a valid reason why my check cant be cleared and available to me.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I applied for a refinance with a XXXX XXXX XXXX XXXX XXXX  through a loan officer,  XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through XXXX XXXX on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX   and transunion. I received a copy of an unsigned loan application from XXXX XXXX XXXX  along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.

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 2020-03-07 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: FL

Complaint narrative:
I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, XXXX  AND EQUIFAX I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: FL

Complaint narrative:
I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, EXPERIAN AND XXXX  I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM

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 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
ReLIant CAPital has called in the past to attempt to collect a debt that Im unfamiliar with. Recently they placed the collection on my credit report harming my credit score, reputation and credit profile. I request that the credit bureau remove the inaccurate information but they have refused replying with they believe the info reported is accurate but it clearly isnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Asset Agency, Inc.
State: FL

Complaint narrative:
I took a payday loan and couldn't pay back. Two yrs later, received phone call from Global Asset Agency threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security XXXX-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. 

https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ

Complaint narrative:
I recieved a notice in the mail on XX/XX/2020 stating that I had a balance of {$3000.00} from my student loan. I tried contacting the company but kept getting rerouted to different people until the final one which I had left a voice mail. I do not owe anything on my student loan, and I also have the XXXX XXXX app and that to also states that i have a XXXX balance and the account was closed. The name of the company is US department of education national payment center.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TN

Complaint narrative:
I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX and alot of inquiries I know nothing about. Please remove this from my credit XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX doing this on my own and has contacted the FTC and my police here.

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