vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched UNAUTHORIZED CHARGES USAA CARD XXXX TOTAL {$320.00}. FRAUD REPORTED XX/XX/2018 ARE THESE FRAUD INVESTIGATIONS COMPLETED YET? WHY WASN'T I SENT ANY NOTICE AS PER LAW? USAA NEVER SENT ME ANY DOCUMENTATION AFTER COMPLETION OF INVESTGATIONS. WERE TEMPORARY CREDITS EVER MADE PERMANET IN MY FAVOR??? IF SO WHEN? PLEASE SEND ME WRITTEN DOCUMENTION OF THE RESULTS OF THESE INVESTIGATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: NC

Complaint narrative:
My fixed rate loan is set up in monthly installments. The money paid in keeps going in higher proportions to interest instead of principal. I call them and they never return calls. This has been going on for awhile. Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: DISCOVER BANK
State: CA

Complaint narrative:
I am disputing Discover Card charge off reported by Discover Bank on my XXXX credit report. This relates to Discover Card with the account number XXXX ( opened in XX/XX/2015 ). My research has revealed that wheover applied for this account used XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX, CALIFORNIA XXXX address. I am attaching my driver 's license as well as utility bill. I reside at XXXX XXXX XXXX XXXX, California. I have no association with the XXXX XXXX XXXX XXXX address. Further, I never applied for the Discover card in dispute here. This account was opened in XX/XX/2015. The identity thieves ran up a significant debt and stopped making payments after using the card for 3 months. 

I never applied for this Discover card account. I have disputed this tradeline with XXXX  and by extension Discover. Each time, Discover has taken the position that the account was verified as belonging to me. Discover and XXXX  as inaccurately reporting my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
No direct access to your funds not telling consumers you have to email and upload documents to use the card. And not approving the card for access in a timely matter.

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 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: GA

Complaint narrative:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had tried to go to make a withdrawal at Wells Fargo XXXX XXXX XXXX, FL XXXX using a drive through service for some cashes. I gave them my debit card and driver license but since I was having a mask on due to the Coronavirus situation I was denied or else I needed to take off my mask! This is not right in a situation like this to think wearing a mask is a fraud transaction. If I caught the virus by the bank asking me to take it off will the bank hold a responsibility for me getting infected! I have told them I am a XXXX  and still I got a reply that wearing a mask meaning you are sicked! I am way more literate in terms of the medical issue and it is not right for the bank not giving me my money regardless I am sicked or not! It doesnt make sense! Who could steal all form of ID cards first of all? I have told them there are other forms of identity that you can verify! By what the bank is doing is not protecting me but trying to avoid its customers to make any withdrawals! I first had a withdrawal slip that I wrote prior to coming to the bank. The service manager named XXXX XXXX XXXX said I needed to write another withdrawal slip in front of him so I asked him to give back the first one! He  replied no. How could I be sure that he wont cash it and put it in to his account. I dont understand the policy he insisted that he would shred it! I denied that he either returned it or I had to cross it out and he kept it! This is unfair business practice and also unfair to discriminate not providing a service for customers wearing a mask during the panepidemic crisis! The banks need to be updated its policy to fit the global situation.

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 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
The company Enhanced Recovery Collection XXXX XXXX XXXX XXXX fl XXXX tel XXXX put a collection on my credit report for a bill {$120.00} on XXXX  Causing my credit report to drop 74 pt. 
This bill they are collecting has no notice, no particulars, no date whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 XXXX XXXX XXXX reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. XXXX XXXX refuses to fix my report even though the forbearance was approved. Its not my fault it took the lender so long to process the forbearance.

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 2020-03-19 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: GA

Complaint narrative:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

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 2020-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
We are currently in the process of Refinancing our primary mortgage to get a lower interest rate and get rid of PMI. Our secondary insurance has not completed the subordination in a timely manner. every time we call, which has been weekly and sometimes twice a week, we get the same story that the underwriting team is having difficulty obtaining documentation of ownership of our loan. We refinanced our primary mortgage 2.5 years ago to get out of a very high ARM, SPS subordinated their loan in less than 45 days without any issues. This time we are pushing towards almost 90 days since the request and have 21 days left on our third lock rate. If they do not subordinate, we can not extend our lock rate and will lose our lower rate. Every time I call I get the same story from every employee at SPS, they are waiting on underwriting to get ownership of the loan. I have been told that it takes time and gets held up in the courts, I asked why the last time it was done so quickly and now they don't have the proper documentation this time, they say they can't speak on behalf of things that happened in the past. ON XX/XX/20 I was finally able to get XXXX at the " XXXX XXXX XXXX '' office that looked into the account, saw that the old subordination was complete in less than 45 days and did not understand why this time was different. she gave me her direct extension of XXXX which come to find out is not an extension to her, it just goes to the call center. I do not appreciate being pushed aside and lied to. XXXX stated that she was going to send some emails out and further research it on Monday and call me back. XX/XX/20, I have not received a call from any one at SPS about the subordination of the loan. If we are unable to finish the refinance of our primary mortgage we are going to lose the {$570.00} for the appraisal on our home and a {$250.00} lower a month mortgage payment. when I ask to talk with some on in the underwriting department, I am told there is no phone number all the customer service reps can do is document the account and escalate the issue. I have called so many times that at this point the amount of escalations should be on the presidents desk. I asked who the mortgage owner was on the loan as SPS is just a servicer, I was told they could not give me that information. I am tired of being given the run around and not getting any where. I pay SPS every month, on time and this is not fair! 

I have had enough and would like to consider taking further action, but I am unsure who to contact to do so. 

thank you for your help with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am being billed by XXXX  for a {$1800.00} ambulance transport on XX/XX/XXXX. My insurance company, XXXX, has determined that XXXX  is a national provider and as such, required to accept the contracted amount of {$390.00}. XXXX issued a check to XXXX for {$390.00} on XX/XX/XXXX ( ID # XXXX ). 

Both XXXX  and MSB collection agency  continue to send letters indicating that I owe {$1800.00}. I sent certified letters to both MSB and XXXX  detailing the above information on XX/XX/XXXX. While I received a return receipt from MSB, signed by XXXX XXXX, XXXX failed to pick up the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, I needed to unlock my Transunion credit report for the purpose of a home equity line of credit loan. 

I logged onto Transunion, and they asked for a credit card number without telling me what it was for. I entered it for identity purposes. I later found out it was was a monthly subscription and was billed for {$26.00}. I find it very deceptive that I was not notified at any moment that I was being billed for a monthly subscription. 

I then went to unfreeze or unlock my account and was notified that I was not able to do so. The agency has reduced its hours due to COVID-19, and I can not reach anyone to unlock my report. 

Unlocking my account should be easily accessible to me as a user, as it is with XXXX and XXXX. Also, customer service should be accessible, which it is not.

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 2020-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a Victoria Secret credit card in early XXXX with a limit of {$250.00} with a minimum payment of {$28.00}. I typically carry a balance month to month which I pay down before another purchase. With my minimum payment required at {$28.00} I have always paid more, the majority of the payments being {$40.00} to get a good amount applied towards principle balance. I have even paid double payments of {$40.00} in a month multiple times. Never been late or exceeding my limit of {$250.00}. On XX/XX/XXXX I made a purchase for XXXX dollars and some change, as my account showed I had available credit of over {$110.00}. I was sent an email XX/XX/XXXX I had a secure message in my Victoria Secret card account, which stated my limit was being decreased to {$150.00}. Which is the reason my account is showing over use. On XX/XX/XXXX I recieved an email stating my billing statement was ready, while checking the statement I notice my minimum payment is showing {$35.00} instead of {$28.00}. I contacted the company the same day asking what was going on. The response I recieved was a standard response of reasons why these changes may have happened and was told to refer to the notice I recieved. On XX/XX/XXXX I informed Comenity I was not email or mailed any notice of a change in minimum payment only of a decrease in credit limit. I also stated I was under the impression that I was supposed to recieve a notice 45 days on advance of changes like that. The representative responded stating the minimum payment depends on the total balance and informs me each that paying over minimum payment would results in lower balance and lower minimum payment. My total balance at this point was {$180.00} after paying a payment of {$40.00} on XX/XX/XXXX, which is {$12.00} over my regular {$28.00} minimum. Yet they are attempting to increase my minimum payment due without notification to {$35.00} and after multiple attempts to address why I was not notified, the reps for Comenity continue to ignore any mention of need for 45 day notice and respond with multiple different excuses why this change is happening. On XXXX ( while I am still in contact with the company regarding the validity of the increase from {$28.00} to {$35.00} ) I received a secure message which stated on XX/XX/XXXX terms were changing and my minimum payment would change to {$38.00}. No where on this notice am I offered an opt out option, which unless I am mistaken should be sent along with any notice of this type.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a Bank of America credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!

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 2020-03-20 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: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to complain about Discover Card and that company 's persistent attempt to report derogatory information to XXXX  and XXXX. The account in question ends in XXXX. This account was opened in XX/XX/2014. The credit limit on the account was {$4000.00}. Immediately upon receipt of the Discover Card, the identity thieves ran {$3900.00} debt. On XX/XX/2014 an {$80.00} payment was made. There was never any other payment on the account. There were 3 other minor charges made on the Discover Card. There were no other charges or payments made thereafter. 

Discover Cards own records indicate that the account was opened in XX/XX/2014 and closed XX/XX/2014. The entire lifespan of the account was less than 60 days. It is patently obvious that the identity thieves used the account for a very brief time before it was discarded. 

This is indicative of an identity thief using the card for in a rapid fashion before discarding same lest they be caught. The identity thieves appear to have utilized this for their own personal gain. The end result was that my information was compromised thereby resulting in these derogatory remarks in the XXXX  and XXXX  report. 

Further, this address associated with this account is XXXX XXXX XXXX XXXX California XXXX. This address does not belong to me. I have never had any relationship with the XXXX XXXX address. I am attaching my driver 's license demonstrating that my address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a XXXX  XXXX XXXX credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!

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 2020-03-20 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: EAST WEST BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to purchase an used cell phone with {$330.00} from a seller through a online shopping site called XXXX. However, On XX/XX/XXXX, I failed to log in to my account, and I received an Email from XXXX   stated that due to some reasons, they decided to close my account. On the same day, I emailed to XXXX to state that there was still an on-going transaction in my account, and a pending transaction appeared in my bank account. Therefore, I would want them to cancel the on-going trading since they closed my account. However, the site did not respond to my request. 

Meanwhile, I went to a branch of my bank, East West Bank, and I stated my concern that I might be scammed. I would want them to help me preventing any loss or stopping the transaction. Yet, the teller said they were unable to do any action at this moment since the transaction was not completed, and the money is still in pending. 

On XX/XX/XXXX the transaction changed the status from pending to completed. 

on XX/XX/XXXX, I received an box that I believe it is empty from the seller. I immediately called the customer service of my bank and asked them to help me filing a dispute/fraud. I explained the whole thing to a representative, and she said she has made a dispute case for me. 

On XXXX, I went to a branch of my bank and asked the process of that dispute. A teller couldn't find the case I made on XX/XX/XXXX, so she helped me to file again. 

on XX/XX/XXXX, I made a call to the branch I went on XX/XX/XXXX to ask for any update of my case. A teller told me the dispute investigation team refuse to help me due to it is a merchant dispute, I should contact the merchant to resolve the issue directly. However, I have stated an issue that Neither I have contact info of the seller, nor the XXXX site didn't answer my Email regarding the transaction every time when I was trying to describe my situation to the bank 's representative.

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