vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2020, I received a settlement letter from Navy Federal Credit Union. It stated that if I paid a settlement amount of {$1400.00}, then the debt would be settled. I then went and got a money order for the amount. I went into the Bank and actually paid and got a receipt for the payment. Then on XX/XX/2020, I received a letter from Navy Federal Credit Union demanding the remaining balance and not honoring the settlement agreement that they provided me on XX/XX/2020 for which I paid on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TX

Complaint narrative:
ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-17 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: TX

Complaint narrative:
ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL, XXXX  XXXX XXXX, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: AL

Complaint narrative:
On XX/XX/2020 my account was compromised for the 2nd time and I contacted Iberiabank to close my account or stop payment on this fraud, but they continued to let the action take place. This was the 2nd time an online compromise was made to my debit card and account. The bank shut down my debit card and left my account negative. I currently had to take a lower paying job at my place of employment which was over a 10 % decrease in my pay and knowing my payroll check was direct deposited, I had to actually get aggravated and mad before Iberiabank would step in and lend me funds to get me through the work week. I had over {$1000.00} in my account at the time of the fraudulent withdrawals and had numerous automatic pays coming out of my account in which they covered, but I feel I had to get upset before they realized I needed help. The bank credited my account and then the online company credited a portion of the fraudulent charges too so, Iberiabank had to do a reversal and seemed to get upset with me. After Iberiabank seen the account got some credit from the company they proceeded to tell me that they were gon na wait 30 days for the company to credit all the money back and if they didn't then they would proceed to refund my money. I am still owed over {$300.00} if that is even correct, but yet to see the money in my account. I have a loan with Iberiabank and out of no fault of my own they proceeded to deduct late charges from my account because I had no money in my account to pay the loan at the due date from the fraud. I am beyond mad at this bank and have been a customer for about 5 years since I relocated to the area from my current employer. I feel the bank was notified by myself in time to close my account and to make this matter right. If I ever get the remainder of my money back I will be closing my account. Once I told the manager of my experience and that I was closing my account they neglected to even tell me my debit card had came into the branch and just assumed I could drive over 30 minutes to make withdrawals since I was closing my account. I know I don't make the money now as if I did before, but I am still the same customer and should be treated with the same respect. This bank is far behind on the aspect and knowledge of customer service and how to go the mile for its ' members. Worst experience and still suffering from the fraudulent mishap and not 100 % credited the money I was taken by the company. Please help others before this happens to them and share my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house to provide for me and my family.

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 2020-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
I have paid this debt off for a lesser amount. They are refusing to provide a delete letter to the credit bureaus. They stated they were advised by the CFPB not to do this. I have this conversation recorded stating this!! Now, they are refusing to speak to me or the credit bureaus to fix my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was left a message on my phone numerous times about a capital one dept they said I owed for over 5 years. I have never had a capital one card and I never will. There is no way that I owe them one cent. When I called and asked why they kept leaving rude messages that I owed XXXX dollars and that I would be sued for it if I didn't respond. The woman hung up on me. I called back and she said I will see you in court and that I could explain to the judge. The phone number is XXXX XXXX XXXX. I never got anything in the mail about any bill and when I asked to be sent one with what they said I owed and the amount and the credited she said they have already sent that and that " I'll see you in court ''. I asked what address they they had that was supposed to be mine and she again said I'll see you in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of American Loan # XXXX he received a 60 day late notice {$1800.00} past due Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Never received statements or notice of payment.

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 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
I've owned a time share for over 20 years and always been on time on my payments, due to hardship I've fallen a bit behind on my payments ( 3 payments ) so my debt of {$470.00} was transferred to debt collector " Pinnacle Recovery, IncXXXX '' on XX/XX/2020. I called them to settle my account and they now tell me {$750.00} because they charge monthly collection fees of {$140.00}, so they charged me for XXXX and XXXX and they will continue to charge me every month till my debt is paid. 
According to federal law a debt collector should just collect what is owed originally and can't charge fees nor interest which is what I'm filing this complaint about, Pinnacle is unlawfully trying to scam me into paying them more than what I actually owe and is backed up by my time share agency XXXX XXXX XX/XX/XXXX) because they tell me that as long as I owe pinnacle my 20+ year old account with them is frozen, can't use it AND will continue to rack up monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you

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 2020-11-17 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: MA

Complaint narrative:
Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a long time customer of Citibank - 20+ years. I have a checking account and 2 savings account. Checking account was opened 20 years ago in FL and around 2 years ago, I opened a savings account. I also changed the address of my checking account and had the accounts linked on my online app with Citi. I had the requirements met to avoid paying any monthly fees. 

I don't get paper statement for my savings account and since I don't do any expenses, cut checks etc., I never had to worry about fradulent charge on my savings account - but, To my surprise, I found that a {$30.00} service fees has been charged on my savings account by Citibank from XX/XX/2019 till now - Over {$330.00} dollars plus. Citibank never had charges on savings account and I was never informed of the same. Citibank says that checking and savings account are not linked and I have to pay separate services charges for the same. 

Citibank declines to provide the details of the fees - as to why, when and how much they charged. Chat support provided the credit for 3 months and indicated me to call the support desk for the remainder. I called Citibank today and they are declining to provide further credits indicating that since bank accounts are from different states, different fees will apply. This information was never provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I received an email claiming I owed PayPal {$470.00}. I Called the number on the email, XXXX. The caller had me download XXXX which they used to access my bank account. I foolishly helped them do this - not Smart! Lost {$500.00}! 

There's the email : -- -- - Forwarded Message -- -- - From : XXXX Account XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/2020, XXXX XXXX CST Subject : Bill Payment Received I'm an image I'm an image Hello This is just to let you know that your order has been confirmed. 
Instruction to merchant You do not have any special instruction for the merchant. 
Payment Method : XXXX XX/XX/2020 Purchase ID : XXXX Payment XXXX Issue with Transaction You have 24 Hours from the date of the transaction to open a dispute. 
For assistance Call XXXX. 
I'm an image Alternate text Please do not reply to this email. This mailbox is not monitored and you will not recive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX# XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you

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 2020-11-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX# XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXXXX/XX/XXXX -- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2020-11-17 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: TX

Complaint narrative:
I had a car loan through Santander USA. I made my final payment, after receiving the pay off balance through Santander. The final payment was made on XX/XX/2020. On XX/XX/2020 Santander reported my account closed and 30 days late. I have never been 30 days late. I called Santander and was advised by customer service to go through the credit bureaus because it was faster. The customer service agent for Santander reviewed my payment history and said I had an exceptional payment history with them. She also said she didn't know why they reported me late. I filed disputes with all three bureaus. Santander doubled down and denied my dispute and still kept me at 30 days late. I called Santander again. Customer service again said I had an exceptional payment history and was never 30 days. They then told me to submit my dispute to them in writing. I did exactly that. I never heard from them. I filed another dispute with the credit bureaus in XXXX and Santander STILL denied me and kept me late. I called Santander just now and after being on hold for 30 minutes, they hung up on me. I tried to log into my account online and I am now blocked from signing in. I am completely frustrated and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: IL

Complaint narrative:
I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.

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 2020-11-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.

Company response to consumer: Closed with explanation