vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, XXXX  AND EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I got an email from navy federal credit union advertising that they are willing to help there customers in this time of need with the coronavirus epidemic and navy federal credit union says there here to help with a loan for its customers but its false advertising to customers who believe that they would help, its the same qualifications as a regular loan not to try to help or say they want to help thats giving false hope, I called and spoke with a loan rep he even made me aware of the same thing I dont understand even myself Mr.XXXX, even my girlfriend which Im the one that brought her to navy federal says the same thing, why give false information if your going to help out help out not, say your going to do something but truly lie to a customer I dont need to have anyone explain it, I like navy federal but thats going to far, were here to help our customers through this coronavirus epidemic and wanted to help our customers with a loan to help, I want what the website says not be lie to and denied a loan when it actually is false advertising to all customers all my friends in the military say the same thing it doesnt make since, I want this resolved but dont want someone to think Im stupid, no bank of any financial institution needs to take advantage of any customer in a time of need and hope and help thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have spent Hours removing 18 hard Pulls from Capital One Bank and i still have some and don't have account with them, give them my name and address they got nothing but they keep coming and it keep costing me and Capital One has been notified over 30 days ago and nothing i bill collectors, i got that stopped, for while for a living on low income during this shutdown this has put hurt on getting a loan of any kind. this is data break stolen social security number, date birth, name, address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Dear President Trump. My complaint is with Navy Federal Credit Union and the incredible interest they are charging me and my family on a credit card that was closed because we got behind on our payments. My husband is a XXXX veteran, having served honorably in the XXXX XXXX, the XXXX XXXX, and XXXX XXXX. 
We are paying Navy Federal Credit Union $ XXXX/month, of which @ $ XXXX/month is an interest fee. I have contacted NFCU numerous times to request a reduction in interest consistent with their lower rate credit cards given the fact the underlying interest rates have been reduced by the fed and the continued hardship of paying 27 % interest. I was told the interest they charge is based upon the fed rate and my credit score but to contact them the next time my bill comes due and they will see what they can do for us. Mr. President, the NFCU takes for granted the veterans it claims to serve and has done so for some time. They are happy to take all the positive publicity predicated on their claims to support the veteran community, but get in trouble and get behind on a payment, and it is the XXXX with you. I pleaded with NFCU to allow me to consolidate my credit card debt under a personal loan before it became an issue, but they refused and summarily cut the card off and simultaneously increased my interest rate to the userous rate I am currently paying. In the past 12 months, NFCU has charged me over {$1000.00} in interest on a {$4800.00} credit card debt and card which I can not even use. Mr. President, I am sending this letter to the Consumer Financial Protection Bureau and the CEO of Navy Federal Credit Union. I am sorry I have to trouble you with my problem but when I last spoke with the customer service department at NFCU, I was ridiculed, laughed at and told it was not NFCU 's fault I found myself in this situation. Thank you for your time Mr. President.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Even though XXXX is part of banks like Bank of America and others it doesnt have any buyer protection for some reason and it doesnt make that clear. 

On XX/XX/XXXX I went on XXXX to buy a XXXX XXXX  for {$280.00}. I talked to the person in question and he gave me his Phone number and his Email. He seemed trustworthy as we talked for several hours on many topics and he provided proof that the item was on hand. I payed through XXXX as I saw that it was part of the Bank of America app and I thought It was safe. After paying he said he would mail it out the next day and the next day he called and said that he had to refund the payment because it was on hold? Im not sure if XXXX works like that. And he wanted me to pay him even more money. I said no Im not paying you again but if you are truthfully telling me that you refunded it Ill wait until I have the money back and do it again. Then he said he wont send it out. I said I already payed and then he said ok and his number was now out of service. 

A few days later after I called Bank of America and explained the situation ( they said they couldnt do anything at all other then file a complaint ) he called me again from the same number asking if I got the refund. I told him no and I told him that either he gives me my money back or mails out the item. He said hold on and now his number is out of service again. 
Its now XX/XX/XXXX and I see no sign of this ever being fixed. And BoA should either take out XXXX or warn people more clearly theres no buyer protection

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 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I paid PHH in XXXX for the payment that was owed and paid extra to accommodate the next payment. They messed up taking the payments and put me 60 days out according to the paperwork I rec 'd over the weekend. I have spoken to them directly about this issue in XXXX and XXXX - and then nothing was done on their side to credit payments - and they Mailed back the extra money I gave them for additional payments after telling them to apply it to the next months payment. They also over paid my house insurance and gave me no explanation that they had, they didn't have even the correct name of the insurance company and lied about what they had and had not done. 
I have called PHH dozens of times on each issue I have had. The staff is incompetent, if they speak English, at best. They are nasty on the phone. They don't do what you ask, they break the law. They commit Fraud and do so with impunity. How many calls does it take to get them to do the needful? How about asking for an escalation and it took 4 months to get in contact with a supervisor - and only because I have his email could I even write this up over the weekend - as they are closed on Sat and Sun. NO service at all. They deserve to be sued into non existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, I made a deposit, using PayPal, in the amount of {$500.00} to the XXXX XXXX XXXX  for an event that was scheduled to take place XX/XX/XXXX in XXXX, XXXX. Additionally, I paid {$78.00} to the XXXX XXXX XXXX for transportation to and from the airport. The total transaction was {$570.00}. 

On XX/XX/XXXX, I made an installment payment to XXXX XXXX XXXX XXXX  for the same event using PayPal in the amount of {$530.00}. 

On XXXX XXXX, XXXX, I made another installment payment using PayPal to XXXX XXXX XXXX XXXX in the amount of {$530.00}. 

Sometime in early XX/XX/XXXX, the XXXX government closed its borders to US citizens because of concerns related to the COVID-19 pandemic. 

On XX/XX/XXXX, The XXXX XXXX XXXX cancelled the event. The XXXX XXXX XXXX decided to offer the camp for XX/XX/XXXXwith different instructors as an option. I contacted The XXXX XXXX XXXX and notified them that I will be unable to attend that event a year from now and requested a refund. The XXXX XXXX XXXX refused to offer me a full refund, but refunded the {$78.00} I paid for the airport transfers back in XXXX XXXX. 

On XX/XX/XXXX, I reached out to XXXX XXXX, the retreat center where the event was going to be held and requested a refund. The owner referred me back to communications with the organizer of XX/XX/XXXXXXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX said they would offer 30 % of the total {$1500.00} as a refund for an event they canceled and rescheduled over a year later. 

On XX/XX/XXXX, I filed a dispute with PayPal for a full refund for the amount of {$1500.00} paid to XXXX XXXX XXXX XX/XX/XXXX under PayPals terms of non receipt of product purchased or a significantly altered product than promised by seller. Additionally, I learned that PayPal is encouraging merchants to consider not charging fees buyers for as a result of travel restrictions for not using services booked. This claim is currently under review. PayPal is awaiting the sellers response, but has not made a determination that I should receive a full refund for this canceled event.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-04-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXXection 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MN

Complaint narrative:
RE XXXX Im filing another complaint on the reference number listed above Experian failed to conduct the method of verification with in 15 days of the original complaint per the FCRA anytime a consumer ask the reporting agencies for a meth of  verification experian XXXX  XXXX  XXXX have exactly 15 days to provide this information in this case Experian is well over the 15 day deadline and I demand Experian to remove the following accounts XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The law is very clear about 15 days again you are in violation of the FCRA

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 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good Evening, Attached is full documentation of all correspondence with XXXX XXXX XXXX  who is the debt collection agency for XXXX TransUnion has done their part in removing XXXX  XXXX XXXX however, you all forgot to move XXXX  off of my credit report. 

Attached is the letter from XXXX also, my case number with you all as well. My CFPB full correspondence is included in this correspondence. I have received notice XXXX XXXX XXXX  was removed but XXXX was not which is the company XXXX stated was the original company. When you call XXXX  they say debt was sold to XXXX and all correspondence must be with XXXX. XXXX deemed debt as fraudulent and provided debt removal letter. 
All other bureaus removed rXXXX as part of their process. I believe you all forgot to remove XXXX, If you need any additional information, I will be happy to help. 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 non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I closed an account with XXXX like XXXX years ago. After reviewing my Experian report, i noticed there is a collection on my report amount of XXXX. I called the collection agency ( XXXX XXXX ) and paid the amount. 

I contacted Experian and i disputed, even though on my report it says paid ; but experian wont remove it until XX/XX/2024. 

Company Involved in my case : 1. XXXX, 2. XXXX  XXXX  3. 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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America to do a balance transfer. It was for {$18000.00}. {$12000.00} went to creditors. The other {$6000.00} was supposed to go into my account. It was done on XX/XX/2019. The problem was that the {$6000.00} was handled as a cash advance. I never asked for a cash advance. I had no need for a cash advance. Ive been having to pay about {$93.00} a month for cash advance fees ever since. When I originally caught wind of this. I called to complain. This was back in XXXX. They were sympathetic and even asked for the name of the employee at the bank. I gave it to them and they removed two charges. Approximately about {$180.00}. Within a matter of two weeks. They resumed this unethical practice of charging fees incorrectly for an offer they sent me in the mail. I dont normally check my accounts regularly ( trust ). I noticed this in XXXX. I have called several times and have yet to get this problem taken care of. They keep insisting that I had this check deposited into my checking account. Therefore, its a cash advance. Thats a complete lie! I have had this offer before and have had a check deposited into my account. They are the ones sending the check in the mail. Its part of the balance transfer offer. In fact the check stipulates that is an offer. It has offer ID KV and some digits afterward written on the check. I have the copy of the check. They send two checks in the mail. One for 0 % interest for a limited time, and another one for 1.99 % interest for a little more time than the other. I got the check from the letter they sent me and that was the check that was incorrectly processed. I now have three charges that amount to about {$270.00}. I was trying to save a few bucks with this balance transfer and look what happens. When I call them. Its like talking to a complete different company. At first sympathetic and now rude and deceitful. Ive been with BofA close to 40 yrs. I just sent them {$17000.00} to pay off this credit card. Im going to be severing my ties with them. So inconsiderate especially during these difficult times. Who knows if I will have a job by the end of the month. Please help me. Any information you need, I can attempt to gather. 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 monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
I closed an account with XXXX like XXXX years ago. After reviewing my XXXX  report, i noticed there is a collection on my report amount of XXXX. I called the collection agency ( Enhanced Recovery ) and paid the amount. 

I contacted XXXX  and i disputed, even though on my report it says paid ; but XXXX   wont remove it until XX/XX/2024. 

Company Involved in my case XXXX XXXX  XXXX, 2. Enhanced recovery 3. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Community bank decreased my credit balance without proper notification. I downloaded my statement XX/XX/2020 on XX/XX/2020 and I had a {$1400.00} credit. I reached out to the company to find out why my credit on my statement and my credit on their site had a {$200.00} difference. Every person I dealt with was useless and had issues with reading comprehension. They kept referencing the XXXX statement and tried to convince me that they made this change in XXXX. In XXXX, they lowered my available credit to {$1400.00}, not {$1200.00}. I uploaded my statement to let them know of their error and they went and change my statements on their site, committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I previously filed complaint multi times against US Bank not take out fraud charges from my account I even filed complaint here with CFPB but never received any response from both US Bank and CFPB. I am filing again today for same reason I hope this matter get over soon. 


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