vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My complaint is, I have contacted All 3 Bureaus, XXXX  has removed ALL of the accounts in question. While Experian and XXXX  have both been contacted several times via phone online, and via first class mailings on many occasions in regards to 3 accounts that were placed in my name that did not belong to me that I did not authorize or was not familiar with. Since learning of these inaccuracies, Ive followed the proper protocol several times, to no avail. Im only met with the same results regardless and ALL of the accounts in question, UPDATED Inaccurately, regardless of my rights and Im beyond disgusted and exhausted. This is my personal profile & the fact that these accounts are reporting such derogatory remarks, makes things look very bad on my behalf when referencing my credit report. I am currently in the process of trying to purchase a home, as I am a XXXX  mother of XXXX. The unprofessionalism and neglectfulness That has been displayed in my case is VERY DISHEARTENING! When Im ACTUALLY REALLY APPLYING this time for credit and the negative accounts make it difficult when theyre checking credit, and I have negative accounts that dont belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC report. Ive called and chatted via online with their reps, Ive been told they have yet to receive the proper documentation, Ive had cases where reps have verified that they have received the documents and are in the process of handling it. Several times Ive been told that I should see an update which never happens. The last rep I talked to name was XXXX and he stated he was in special accounts department, I havent had any luck with this. These collections have been reported as having been owed with past due balances, These companies are unknown and do not possess a valid signed contract with my signature. The following accounts that are reporting are : I am asking that they either provide Accurate proof or remove Any and ALL negative and inaccurate, & Non account holding collections Immediately. Please and thank you! Contract Callers in the amount of {$1000.00} XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$350.00}

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I graduated with my XXXX XXXX XXXX in 2001. The school I attended ( XXXX XXXX XXXX XXXX XXXX ) told all of their students to take out the maximum loan amounts, which I did. 
I graduated in 2001 with XXXX in student loan debt. 

I started to pay on my debt, but when I could no longer find a job that paid well enough to make full payments, I asked for income based payments. I was told I couldn't because the amount I made would not cover the payments. I was told my only option was forbearance. 
This went on for a number of years. I was willing to pay, but as the principle grew, so did the payment amount. Eventually, the forbearance option ran out. My principal amount owed is now XXXX. I am now in repayment but my payments are finally based on income. 
why was I denied this option until there was no other option? why was I denied this option until my principal nearly tripled making it near impossible to make payments? Interest rates drop for mortgages, banks, car loans but my student loan is over 5 % and now it has grown to be a debt that I may never be able to repay. 
I took out the loans. I owe the money. Yet the loan processing company ( Sallie Mae ), would only allow forbearance until it was no longer an option. there was no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a business credit card ( Chase Ink Cash Business ) with Chase. The card stopped working after one purchase and I cant sign up for a mobile or online account to pay the card. I called Chases fraud department ( XXXX ), but I was still unable to reach anyone after 30 minutes. 

I dont know what to do now. I cant use my card, pay it off, create a login, etc. This also prevents me from being able to make use of their promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Herbert P. Sears Co., Inc.
State: PA

Complaint narrative:
I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

HP Sears. Account # 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 2021-07-28 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: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called Mariner Finance. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit.

The 3rd agency, XXXX, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with XXXX  notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. XXXX  has refused to remove the hard inquiry from my credit file. 

Mariner Finance also has not responded to any communctions requesting that they notify the credit agency of the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
TRS Recovery Service sent me a letter asserting they were collecting on a debt which they assert is mine, regarding a stopped payment at a Wal-mart I have never been to.

TRS has a track record of falsely associating 3rd party debts with victims of their deceptive business practices and intentionally making dispute/validation process difficult/impossible, while making payment easy, in order to convince victims of their practices to just pay and move on instead of invalidating.

I phoned the organization when I received the debt collection notice and requested supervisors, and requested to be transferred to their compliance department, which they stated they would not do for me ( because of internal policy they were unwilling to transfer me to their compliance department ). In both cases I stated I was pursuing invalidation of the debt and was not satisfied without being transferred to the compliance department, and that I did not intend to terminate the call until they transferred me, but in both cases they ultimately terminated the call against my wishes while I was pursuing validation of the 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 2021-07-28 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was laid off XX/XX/2020 as a result of the COVID shutdowns. I contacted Santander to see if I could get a deferral on my car payments as my bills were running behind. Santander agreed to defer my payments, and I signed all of the required documentation. When payments resumed they began to report all of my payments as delinquent back to the original deferment. I have contacted them multiple times to fix the reporting on my credit, and each time they have assured me that the reporting will be corrected. To this date the reporting has not been corrected and they continue to report my payments as late. I am attaching the documentation to substantiate that I was in an approved deferment program. This is a violation of the CARES Act to inaccurately place derogatory payment history on my credit reports. Furthermore, the company has verbally acknowledged the error and will not follow through with their promise to remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
The problem is they AMEX closed the account at there on will, but the balance is still owed I am paying it and have not missed a payment. So I still have an account with them and they are using illegal tactics by still recieving the payment and sending it to collection while still recieving the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, a payment of {$20.00} came through for a credit card I have to my Bank of America checking account. Instead of just paying the measly {$20.00}, they returned the funds and charged me an NSF charge. I'm not arguing about the fee, but not paying a small cost of {$20.00} when a large direct deposit is imminent ( deposit on XX/XX/XXXX that they can see the day before ) is asinine and petty, especially in these trying times. The same thing happened again on XX/XX/XXXX and XX/XX/XXXX. Absolutely ridiculous. If I miss a day and they know the deposit is coming, by all means charge a fee, but don't return the transaction - just pay it.

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 2021-07-28 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:
XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on XXXX  and Experian. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on 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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Previous complaint under ID XXXX. In the Company 's ( BBVA USA ) response, they state : " Your old credit card is still visible through your online banking profile for your reference. We have confirmed that the account currently lists a XXXX  balance and the appropriate credits have been applied to your new card account. '' This is factually incorrect. My old account online still showed a {$24.00} balance at the time of the response from XXXX, not {$0.00} like they stated. This is a direct result of incorrect credits being applied to the account ( to the extent of being {$24.00} short ). I called in to customer service representatives who further confirmed the existing balance and verified that the statement was incorrect. Overall, the statement above per their official response is 100 % incorrect and unfortunately further goes to show how little BBVA appearingly cares to resolve its customers problems.

Subsequent to the response I had a {$350.00} refund posted to my credit card account by a merchant for a reimbursement. This results in my current balance of my old account being - {$320.00} ( negative balance ... i.e., BBVA owes me ). This {$320.00} negative balance ( rather than {$350.00} ) is the direct result of BBVA still shorting me the {$24.00} from their fraud refund process. I have called in even subsequent to the CFPB complaint to try to resolve this to no avail. When discussing on the phone, the customer service rep agreed with what I was seeing, said it would be resolved in 2-3 business days, but ... it's now been 2+ weeks and no changes. I even tried to talk to the collections department to see if they could do anything with it, no luck.

BBVA, please please please just credit my account the {$24.00} amount I am owed such that my old account ( # XXXX ) will have a - {$350.00} balance. I will also happily field questions from a customer service representative who is able to ACTUALLY address my issue real-time on the phone or in-person and not just " file a report '' that will be fixed in 2-3 business days and never actually is ( I have been told that at least 5 times other the last 5+ months and not once has BBVA competently/thoroughly addressed the issue ). 

Please see attached pdf as proof of existing card balances and activity : $ XXXX for old credit card # XXXX {$0.00} for my new credit card # XXXX ( Can you blame me for not using the new card recently given my nervousness of if it is compromised BBVA will not address my issues? ) I wanted so much to enjoy my BBVA experience as Compass Bank ( its predecessor ) was an icon here in XXXX and especially around the XXXX XXXX  community given its founder XXXX XXXX XXXX. Unfortunately, my experience has been the exact opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX  passed the debt to portfolio recovery associates I told them I was locked up since XX/XX/XXXX Untill XX/XX/XXXX in XXXX  county I o I also saw the debt was incurred at a Airport and in Puerto Rico I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
I was looking to refinance my mortgage and used multiple refinance aggregators to determine which companies could offer the best rates based on my criteria. To receive rates you qualify for, you are required to enter zip code, credit score, property value, existing loan value, loan term, property type, property use, military/veteran status, mortgage points and amount of cash out you would like.

Based on these criteria, Amerisave consistently ranked as the top choice. On XX/XX/XXXX, it offered a rate of 2.50 % with 0 mortgage points and estimated fees of {$150.00} ( screenshot included ). After clicking through and entering the same information on their website I was preapproved for a 2.00 % interest rate which I assumed included mortgage points. I was called by a loan officer who obtained sensitive personal information to enter into a formal application. After an hour on the phone with her, she offered a XXXX point mortgage rate of 2.75 %, XXXX higher than what was advertised based on the same information. She explained that the 2.50 % rate probably included points XXXX it did not as shown on the screenshot ). I hung up having wasted my time. 

The next day, XX/XX/XXXX, the loan officer emailed that rates had fallen from yesterday and that I could receive a 2.625 % rate with 0 mortgage points. I ran the same calculator and Amerisave popped up again as the top lender on the advertisement with a 2.50 % rate under the same criteria. I then sent screenshots to the loan officer asking why they continued to advertise a lower rate based on my criteria. She first responded that I had entered the loan amount too low. This was incorrect, and I sent her a separate screenshot increasing the loan amount even higher to show I still received a 2.50 % rate. 

Today, on XX/XX/XXXX she said she ran my criteria on the same website and it resulted in a 2.625 % interest rate as discussed. I did the same thing and it did indeed now show a 2.625 % interest rate. My question to her was why her company had advertised a lower rate for the two previous days only to waste my time for an hour plus, gathering sensitive personal information which is now in the hands of multiple third parties as I have continued to receive countless calls and emails with refi offers now.

This appears to be deceptive advertising meant to generate traffic to their site only to offer a separate rate once all information has been collected. My credit score is XXXX, with an LTV of 35 % on the home. Absolutely nothing gathered after receiving my personal data should have changed the rate advertised from 2.50 % to 2.75 %. In my mind, this is deceptive advertising and an abusive tactic towards consumers of this product.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello. I received a Visa Prepaid Rewards card serviced by Bank of America in the amount of {$1000.00}. This was provided through a company called XXXX. The card expired XX/XX/XXXX, however i still had {$150.00} in value on the card. I called Bank of America to have the funds transferred to a new card or check and was told by several representatives including supervisors that the funds were forfeited to Bank of America and that there was no way to request the funds back. My understanding is that there has been a law in place since XX/XX/XXXX via FTC that funds can not expire and there must be a way for the consumer to retain the funds on a gift/rewards card. Thank you for your time.

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