vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT WHEN IT HAS NO AUTHORITY TO DO SO, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT IT COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my 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 2020-07-03 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I would like to reach out to you guys to seek help regarding my account. I am hoping you could spare some mercy as to what we are all experiencing. Amidst this worldwide crisis that we are facing, I lost my job due to company shutdowns and community lockdowns because of this I was able to miss payments and be late on them. Since XXXX our company where I worked with became unstable due to the Corona Virus that is fast spreading and since then production and services were cut off to save profit. Not long they cut down manpower too and unluckily I was a part of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my 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 2020-07-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow up to my previous complaints where Equifax is adding a balance to my XXXX account which was settled in 2018 yet again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: PR

Complaint narrative:
I was looking at some programs they have sign up for it and all the sudden and then I just automatically got a secured loan. I have spoken with this people more than three times  they agree for me to pay whatever they lend me it was {$130.00} and they will pay off the loan with the reserve on the account and nobody has done anything and I'm still waiting for them to close out that loan they threaten me to put them loan on collection and the loan is not even a month old I need this to be resolved and needs to be fixed. They're violating the FCRA a loan must be 60-90 day 's by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have had a credit card with synchrony bank for use at guitar center stores. This is a nationwide chain for musicians to be able to purchase expensive items and fiance them. They offer the financing options through a credit card company that done through synchrony bank. 

I have had this card for a years time. I have had PERFECT payment history with the card and usually paying more than the minimum payments. I noticed they have an option to view your credit score. I clicked on this and it said my credit score was around 560 ... I was SHOCKED. I immediately got onto XXXX and the XXXX websites to check my score. Both of my scores on these sites were around 630 to 650 due to high card balances. I got a hold of the bank and told them their scoring system is fraudulent and incorrect. They said they would look into this for me and try and figure out what was going on. I never once heard back from anyone there. 

Last month in XXXX they decided to randomly close my account for no reason what so ever. I never got a phone call or anything. But apparently I will be getting a letter in the mail stating why. Now the closing of my account is totally unjustified when I have had perfect payments with the company. I feel their use of a fraudulent credit scoring system is a result of this closing. 

My credit score is now effected even more so now and has gone down do to this closing because its showing my available credit even lower and is showing me using 105 % of my allowed credit. 

I don't understand how this is even legal or allowed

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 2020-07-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contacted Experian requesting them verify 3 alleged debts they have reporting on my credit report 30 days ago. They have not furnished any documentations or responded to my request within 30 days. I have also asked them to remove alleged accounts due to no proof that the alleged debt is validated. I have referenced the FCRA which clearly states that any information known to be false or can't be verified must be DELETED from my consumer credit report. Please see attached documents that displays my communication with Experian.

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have had this credit card since 2018. I very responsible client and I pay all my credits on time. Today by a credit report I realized that I owe a money to one of my credit card ( at this moment I was surprise about this debt ). I started to check all my credit cards finding out which card was due. Then, I realized that the card that I owe was my XXXX card. This card I have not use it for a long time, but they charged the annual fee. After that, I went to the credit card website to pay, however I couldn't pay because I was already closed. I chat with somebody from the bank and this person gave me a phone number to solve the issue. I called and the agent told me that he cant solve the problem. I explained both of them that I didn't receive any information by post-mail, text, or e-mail. I really feel this situation very unfair because I want to solve the situation and pay the annual fee and continue being a client. Unfortunately, the miscommunication caused a problem with my credit score. I think they were not effective in communicate the issue with the annual fee.

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 2020-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have an overdraft fee of {$63.00} for transferring .MY funds to another account this is the second time I had this issuse its my money and my account and I should be able to do what I want with my account I don't understand the purpose of charging me for transferring plus a mainetence fee every month I work a part time job and I don't have have any money to give away especially during this pandemic.

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 2020-07-03 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Bough one XXXX XXXX  on XX/XX/XXXX from XXXX, ordered XXXX charged {$350.00} AND {$350.00} on XX/XX/XXXX XXXX or XX/XX/XXXX ). One of them is a fraudulent charge. Called Walmart credit card company Capital one, refunded {$350.00} on XXXX XXXX capital one recharged {$350.00} on XX/XX/XXXX. A letter sent to me confirmed the credit card company took back the refund. ( capital one case number, XXXX ). Chat with XXXX online customer service on XX/XX/2020. It was confirmed XXXX only charged {$350.00} with Success, XXXX XX/XX/2020 - XXXX XXXX  Another charge of {$350.00} is a fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Companies involved, pnc bank, XXXX XXXX.. I try to get back into my XXXX account and when I could not, I made a new account with the same email and phone number. Once I was getting ready to link my PNC account back to my new XXXX account.. it said we were no longer able to Link PNC accounts with a XXXX account. How do we fix this problem. My email addrsss is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Per my contract extra payments can be made towards the principle, you must contact them to let them know that is what you're doing. I did that and I sent 2 payments in XXXX totaling {$450.00}. I did not have a Jue payment, my next payment was not until XXXX. Instead of putting all my money towards the principle, my payment was applied to XXXX 's payment which I did not ask for them to do because that meant some went to the interest. I called and inquired about it I was told that any payments would go to upcoming payments first but I had no payment due in XXXX. according to my contract, it does not state that unless there is a payment due which one was not for over a month. Then I was told it didn't go straight to the principal because it was not made on the actual due date of the original payments. Not only does that not make any sense it does not state in my contract that it has to made on the due date in order for it to go only to the principle. I told the person that called me I want all my money to g to the principle ad put my account back that I have still a payment due in XXXX instead of XXXX. I was told I would have to set up an automatic payment but that would still leave my balance over the actual amount it should be. Net credit states one thing in your contract and when you call they state something different. I told them I have a legal contract and nowhere in it does it state that when I call I will be walked through the process ( there's nothing to be walked through ) nor does it state in the contract that it will be applied to the next month 's payments, nor does it state that the extra payments have to be made on the contractual date in order for it to go to the principle only. My current balance should only be {$1000.00} which is the amount after I made the 2 additional payments. My next payment date should be XX/XX/XXXX NOT XX/XX/XXXX and none of my money should have gone towards the interest. I followed the instructions of the contract and informed them that the payment was coming and where I wanted it to go. If you pay only on their terms you will be paying back 3x the amount you actually borrowed. 

Also, net credit advertises no credit check but I have a hard inquiry on my credit report from them that I want to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
" Fidelity Capital Holdings , Inc '' acquired consumer credit card debt ( revolving account ) from XXXX XXXX XXXX XXXX. I have not used the account in 5 year 's. The account was originally a charge off account for three years, but Fidelity purchased the debt last year. I was notified they would sue me and our court date would be XX/XX/2020, however they filed a default judgement against me in XX/XX/2020 and levied all of my assets in my checking and Savings account yesterday XX/XX/2020 leaving me with " XXXX '' dollars in my checking and Savings account having taken more than {$1000.00} from me. I am a single mom. Now I don't have more money to pay my mortgage, pay my non mortgage expenses, utilitiesx HOA, Gas and food. I am ineligible for public assistance as a middle wage earner. And I am afraid due to the size of the Levy {$8000.00}, when I have my next direct deposit, they will seize that money too. This is unamerican, egregiously wrong and I think they are predatory having purchased consumer debt. I called them several times before the levy and they would NOT negotiate a payment plan with me. What I am supposed to do? Please extend a retroactive moratorium on non federal consumer debt collections, levies and garnishments. So egregious and Un-American, these predatory companys. 

respectfully submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The same Fraud Department that investigated & Confirmed UNAUTHORIZED TRANSACTIONS XX/XX/XXXX {$470.00} ALSO CONFIRMS NO FRAUDULENT ACTIVITY XX/XX/XXXX AND COLLECTS ON FRAUD. See attatched XX/XX/XXXX XXXX CREDIT   CARD FRAUD CLAIM LETTER Claim date XX/XX/XXXX **** AFTER INVESTIGATION which took a year to Complete *** UNAUTHORIZED TRANSACTIONS CONFIRMED in amount of {$470.00}. Futhermore XXXX out sources Fraud. Consumer never able to speak directly to decision makers. They are kept hidden. A different source than XXXX MUST CALL CONSUMERS BACK ON PHONE FOR RESOLVE and they have not called me to resolve in two years. Futhermore : XXXX has Not RESOLVED FRAUD ON THIS ACCOUNT OR Provided Permanet Fraud Credits & COLLECTS ON this ID THEFT case XXXX See Attatched XXXX REVIEW OF THIS CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY IS FOUND?? The same department consumers unable to contact Confirmed UNAUTHORIZED TRANSACTIONS & Confirmed NO FRAUDULENT ACTIVITY SO XXXX NEVER PROVIDED FRAUD CREDITS. I have been held liable for this UNRESOLVED FRAUD Since XX/XX/XXXX. XXXX DOES NOT RESOLVE FRAUD. ** And I discovered ** I did Not Open this credit card account XX/XX/XXXX, XXXX was opened FRAUDULENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I acquired a car loan from USAA in 2016. I requested and was informed that I'd be enrolled in USAAs automatic payment withdrawal program. A few months pass by and I was informed by USAA that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to USAA and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( TransUnion & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ XXXX XXXX  ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - XXXX XXXX received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - TransUnion reported XXXX XXXX  as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

XXXX XXXX, TransUnion LLC., & Experian have all violated my rights. XXXX XXXX  failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither TransUnion nor Experian, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and TransUnion on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by XXXX XXXX  does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.

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