vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I temporarily lost my job due to the COVID 19 pandemic. This means that it became legally impossible for me to fulfill my contractual obligations to capital one of continuing to  make my monthly payments. I informed Capital one that I would be out of work because my place of employment closed down. However, I indicated that I could possibly return to work in XXXX. The representative said that Capital One would take my minimum payment to XXXX  in a temporary basis. The representative said that if my situation did not change I could contact capital one again. On XX/XX/2020 I called capital one again and tried to inform an individual whom I believed to be a representative/agent of the company that I would not be returning to work until XXXX but would make every effort to pay all of my balance off as son as I recieved another paycheck in XXXX. The representative was quite rude which I admonished her for. She eventually hung up in my face and did not note the phone call ( her words ). In effect I was unable to verify whether my payments would be deferred or brought down to XXXX. On XX/XX/2020 capital one applied a late fee to my account because I could not make a payment because I was unable to leave the house, go to work and had no money due to the COVID-19 pandemic. I was unaware at the time that the late fee was applied to my account. On XX/XX/2020 after my state opened up and after I was able to return to work and pick up my paycheck, I paid Capital one {$130.00}. I followed this payment with another payment of {$130.00}. I began making these larger payments pay off my entire debt to capital one. I then noticed that I still had a due balance of {$170.00}. When I checked my statement I realized that capital one had been assessing late fees to my account even though the company had been made aware of my financial situation and the fact that my ability to pay at the time the fees were applied was impossible. As an aside Impossibility is a  legally recognized reason for an individual not being able to fulfill their end of a contract. A global pandemic and jobless most certainly counts as impossibility. On XX/XX/203 I called Capital one and asked them to either waive or remove the {$25.00} fees as they were unethical and it was impossible for me to pay at the time they were assessed. The representative refused. I spoke to a manager and the manager refused and said that he was at the top of the customer service hierarchy and there was no one else I could talk to and Capital One would under no circumstance reverse the {$25.00} charge. I told him I would be reaching out to corporate and filing a complaint with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, CA XXXX Attn : CBNA XXXX, TX XXXX To whom it may concern, I been trying to reach this CBNA to inquire about a hard inquiry reported to me on XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and was shocked to see this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 

I am not able to get a hold of anyone on the phone. 

Please help remove this from my credit report. 

I thank you for your assistance on this matter. 

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TO whom it may concern, I am writing to you to inquire about a hard inquiry reported by XXXX XXXX XXXX XXXX ON XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 
Please remove this from my credit report. 
I have indicated my social number above and date of birth for reference. 

I thank you for your assistance on this matter. 

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XX/XX/2020 I.C. SYSTEM, INC reported a debt of {$790.00} dollars for XXXX XXXX XXXX  XXXX XXXX on my credit report. First, I was unaware this account even existed, I never received any documents or letters about this account. I have lived at the same residence for 5 years now and the gas is NOT in my name. The reporting also violates the CARES Credit reporting Act along with the Utility Consumer Protections During California COVID-19 Outbreak.

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 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc.
State: MD

Complaint narrative:
This account with XXXX was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called CBCS acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: MD

Complaint narrative:
Spoke to the company reporting debt to credit agencies, based on the information there reporting, I had medical insurance coverage at the time and the fail to invoice XXXX XXXX   XXXX XXXX XXXX. Both companies were on 3 way call and was adviced to send invoice but company could not produce invoice nor where they tried to submit invoice. So this is inaccurate information harm credit causing me Turbulence and request that this be removed ASAP.

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 2020-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I recently received an email from Navient stating that my federal loan payment was due on XX/XX/2020. Administrative deferment from the CARES Act states that student loans can not be due or accrue interest until XX/XX/2020. I got no response when I raised this concern. 

I also submitted paperwork to have my loans discharged due to a medical diagnosis, which negatively impacts my ability to be gainfully employed. Despite submitting the paperwork months ago, I have yet to even receive an acknowledgement that the paperwork was received. I'm very concerned that after XX/XX/2020 I will be asked to pay back loans when I am making poverty wages despite submitting my paperwork with ample time to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
During times of uncertainty, I purchased a vehicle on XXXX XX/XX/2020. I'm XXXX years old. And all I asked collection representative ( XXXX XX/XX/2020 XXXX, Ms. XXXX, I would like to change my car payment due date to the XXXX of the month. I was stalled by the rep and told I had to perform extra activities before USAuto Servicing will change my due date. At the time, I initial my sales contract, but my XXXX  was XXXX  due to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
This account with USAA was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called XXXX acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: MD

Complaint narrative:
Ive filed disputes with all XXXX  Equifax XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I placed an order via telephone with XXXX XXXX  XXXX ( dealer ) in XXXX, FL for an item. The amount was {$550.00}, charged to my Navy Federal Credit Union ( NFCU ) XXXX XXXX. I followed up on XXXX XXXX to learn that the dealer could not secure the item from their vendor. I requested a full refund of the amount. The dealer issued the refund and provided me documentation. However, I have yet to receive the refund. I checked with the vendor and they indicated I should have already received the refund. I kept checking with NFCU to determine the refund status ; however, was given no information or insight as to the status. 

I waited eight days before moving forward with a dispute with NFCU, and provided proof of refund documentation. NFCU now indicates the " investigation '' into the matter would take up to four months, and insist that I pay on the account the amount in question. I asked for a provisional credit while the matter is being investigated and they declined. At one point I was told by the NFCU rep that the department I was communicating with were merely " pencil pushers '' and had no further information for me. I asked to speak to the " investigator '' of the matter and was declined. I spoke with a supervisor and was told " there was nothing they could do. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: MD

Complaint narrative:
Ive filed disputes with all XXXX  XXXX  TransUnion requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX  is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.

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 2020-06-24 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: MD

Complaint narrative:
Ive filed disputes with all Experian XXXX  XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX collections is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I've been trying to get my bank to let me transfer money out of my account and it won't let me do squats it's getting really agitated not being able to do what I need to do with my own account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is practicing unfair bias to deter my fico score and been lately I denied goods services due to invalid negative accounts on my credit disclosure and it's has affected my livelihood. There are several invalid reporting adverse aged accounts that are seven years old but it's still visible on my credit disclosure. XXXX XXXX  XXXX acct # XXXX and high balance ( {$15000.00} ) reported is inaccurate. XXXX XXXX acct # XXXX and high balance ( {$20000.00} ) reported are inaccurate on my credit disclosure.

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I owed a debt to Bank of America in 2015! I just paid this account a couple months back. They keep reporting it through XXXX XXXX as a negative 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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
In the last couple of months, I have attempted to submit a goodwill request to USAA to remove a couple of late payments that had shown up on my report while I was conducting a mission for the military and I was not at my duty location. I had spoken to at least 7 different customer representatives. After requesting to speak to someone from the office of the CEO, they stated that there bank policy did not support goodwill requests and that they would no longer be able to help me further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
When attempting to ask for a goodwill request over the phone, the 3 customer representatives that I had spoken to had recommended that I send in a letter explaining that I would like my credit card late payments to be removed. However, after nearly two months, I have not gotten any response from Capital One. The customer service representatives have been trained to direct any questions to the capital one office in Utah.

Company response to consumer: Closed with non-monetary relief