vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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:
XXXX, XXXX, XXXX, and U.S. Department of Ed violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a complaint with you all about bbva and then they closed my accounts ... this has to illegal. Can I sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XX/XX/2018 I had an unfortunate event happen to me and my phone was illicitly used for someone else 's financial gain. Luckily, at the time, I spoke to a representative of Venmo customer who walked me through how to fix my unfortunate situation. They advised me to call up my bank and have them put a stop payment to Venmo to stop the transaction of {$1500.00}. I followed their advice and did just that. The representative of Venmo told me that everything else would be taken care of. 

I followed their advice. I closed my Venmo account because I felt this application was too dangerous to me and it was too easy for someone to take money from someone else. But all in all, I felt like the situation was amended and fixed. 

Fast forward 18 months, I have now moved on with my life and have moved past the situation except apparently Venmo did not. Even though the customer representative told me the situation had been taken care of and I put my trust in them for the process, they had misled and lied to me. I am now in the process of being harassed by Venmo collections for this fraudulent transaction. 

Venmo doesn't seem to have a fraud department that actually deals with any of this. Venmo never actually got in contact to let me know something was wrong or let me know why their initial conversation was no longer being honored or why it isn't being honored 18 moths later. I have no idea why or how or what's going on. 

I wrote a letter to Venmo, which they never even responded to. Hopefully this can resolve the situation otherwise I will have to keep escalating this situation till it does.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I have attempted and exhausted countless efforts to resolve this matter both directly with the hotel ( in XXXX XXXX AND with American Express, the credit card company who processed the {$2600.00} charge on XX/XX/2020. Both are refusing to refund any of the funds. American Express simply says, I am providing insufficient evidence for the refund and places no weight into my primary allegation that the hotel mislead me ( bait and switched ) into a reservation that was no where near what it was advertised. For the record, immediately after making the reservation, online, I contacted the hotel who said they would cancel the reservation ( copy of email if needed ). However, after receiving my American Express statement, I noticed the charge had not been reversed. When I contacted the hotel, they said the reservation was 100 % non-refundable, despite the false advertising!!?? I tired to dispute the charge with American Express, but no success there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I obtained forbearance during the COVID-19 quarantine from Wells Fargo. 

I was told that I would be able to make payments as a result of asking for a short-term payment suspension ; I have the call recorded and am willing to submit the call as evidence. 

Now I am unable to make a payment despite being told by an Agent of Wells Fargo that I would be able to make a 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 2020-04-21 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: CA

Complaint narrative:
On XX/XX/XXXX I purchased two train tickets for XXXX to XXXX through XXXX. As a result of travel restrictions issued by the XXXX due to Covid-19 I was unable to travel to XXXX. On XX/XX/XXXX I contacted XXXX XXXX to cancel my train ticket and ask for a complete refund. XXXX has a no refund policy and under normal circumstances I wouldn't ask for my money back, but these are not normal circumstances. Also, every other travel organization I booked for this trip to XXXX gave a full refund. 

I was first told that I would get no refund and after a few emails was told 50 % refund on XX/XX/XXXX. I wanted 100 % back. So I disputed the charge with my credit card institution, Navy Federal Credit Union. I received a letter in the mail yesterday, XX/XX/XXXX, stating that I lost my dispute and the case had been closed. Again, if these were normal times I would agree with the decision but I don't accept it now. 

Two points here : 1 ) Don't use XXXX to book travel and 2 ) don't use Navy Federal credit cards if you think you will ever submit a legitimate dispute. Not only is their website cumbersome to navigate, it hasn't appeared to me that Navy Federal supports its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: GA

Complaint narrative:
The account in question is in my opinion a duplicate account caused by a bank merging from XXXX XXXX XXXX  to XXXX XXXX  and the opened dates, balances, and account numbers are identical and the only credit bureau reporting the duplicate accounts is Equifax. 
On XX/XX/XXXX I called the loan servicer ( XXXX XXXX XXXX ) to verify information and was told the accounts in question could not be located and the correct accounts were verified. 
On XX/XX/XXXX I disputed incorrect information on my credit report. 
On XX/XX/XXXX I was notified that the dispute was finalized and the result was that it was " verified ''. 
On XX/XX/XXXX I called the Department of Education to verify information and was told the accounts in question were not able to be located and was told to re-contact XXXX XXXX XXXX. 
On XX/XX/XXXX I called Equifax to inquire about these results and was told that " it was verified '' and that they didnt have proof of verification and that they " report what is reported to them ''. 
On XX/XX/XXXX I then opened another dispute. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX to ask for a " loan verification letter '' to provide to Equifax as they are incorrectly verifying information. They stated they couldnt send it to Equifax however they could send it to me and I could send to them. 
On XX/XX/XXXX I sent a method of verification letter and the loan verification letter to Equifax via certified mail. 
On XX/XX/XXXX at XXXX this letter was signed and received by Equifax. 
On XX/XX/XXXX I received 2 notifications on XXXX that 2 accounts on my credit report has been updated. This account was " updated '' based off of the loan verification letter sent, however, this form was labeled " XXXX XXXX XXXX XXXX  '' and the updated account was " XXXX XXXX XXXX XXXX XXXX  ''. 
On XX/XX/XXXX I called Equifax at approximately XXXX and spoke with an individual who told me that the accounts were " verified ''. I then asked to speak with his supervisor, the supervisor was XXXX, employee # XXXX. He refused to provide documentation of how the account was verified and also refused to have the accounts deleted off of my credit report. When I asked for the account numbers for the accounts in question, they were the same account numbers as the correct accounts with XXXX This indicates duplicate and inaccurate reporting as XXXX XXXX XXXX  was bought out on XX/XX/XXXX by XXXX XXXX. I then told him I would be filing a complaint. This conversation lasted for 1 hour and 15 minutes in duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning Services continues to report incorrect information. Their inaccurate reporting is the SOLE reason I am being denied the opportunity to bank at SEVERAL financial institutions. I have attempted to resolve the issue with Early Warning to no avail, and have previously submitted a CFPB complaint, to which they responded with a form response. I am also a member of the class action litigation that has been successful against them, and they STILL refuse to delete the incorrect and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I am having a new issue where XXXX  keeps not answering this new problem that I have with them. This is completely brand new and there is a lot of miscommunication. The payment for XX/XX/XXXX was done and the payment is not being as reported for that month. This absolutely has nothing to do with XXXX and XXXX being reported on time or a late payment. It has to do with the fact that this payment needs to be updated as paid on time for the month of XXXX. I am not staying or complaining that the payment is late. My complaint is that XXXX  is not reporting XXXX as paid to XXXX. The current report is no payment has been made which is incorrect. 
I contacted on XX/XX/XXXX asking XXXX  to fix the way they are reporting the XX/XX/XXXX payment ( see attachment ). It is currently reporting as no data, which is incorrect. XXXX  XXXX  participates in the Illinois Hardest hit program. The HHF Homeowner Emergency Loan Program ( HELP ) provides mortgage assistance to homeowners who have experienced at least a 15 % income reduction due to a qualifying hardship event. 
As you can clearly see from the hardest hit document a payment of {$6500.00} was made on XX/XX/XXXX, which confirms that the payment for XXXX was made. On XX/XX/XXXX I sent XXXX  an email asking you to correct the problem. I also sent them a follow up email on XXXX XXXX. 
I also went to the corporate office 4 times and spoke with XXXX XXXX who referred me to XXXX XXXX the compliance officer. I called Mr. XXXX three times so I could have this problem resolved over the span of two weeks. To date, he has ignored my calls and not responded to. I find this very inappropriate because the corporate office on XXXX specifically directed me to this individual to resolve the problem I am complaining about today. 
Today I got a letter from XXXX saying my claim was resolved. However, the resolution they made has nothing to do with what I have been asking them to do. It refers to late reporting for XXXX and XXXX in XXXX. I have informed XXXX  in person, via email, and over the phone that they have not corrected this problem. I am reporting them also to the consumer finance because I am paying them a lot of money and when I ask them to resolve a problem they don't listen. Again XXXX is reporting no data, which is incorrect. It should be reported as paid for the month of XXXX. 
There should be a green dot on the credit report for the month of XXXX. Currently the month is being reported as no payment made. When I contact XXXX  there response is " we contacted the data furnisher and the listed account was verified as accurate. The results of the reinvestigation were forwarded to you on XX/XX/XXXX. '' Its important that XXXX  fixes this because the interest rate on my insurance is a 4.999 % and the interest rate has significantly went down significantly and this error is affecting my ability to refinance and get a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Lost my Barclays Credit Card. The only way to get in contact with Barclays is through one phone number for ALL calls, which is encountering significant delays in answering the phone to report the card lost and to get a replacement card. Unable to get through to report the card lost and there is no option to cancel the card without speaking with a representative. No one is answering apparently due COVID-19. Barclays does not provide an e-mail, and can not use on-line banking without credit card / account number, which has been lost. Can not even get my account information without speaking with a representative, who are not available to speak with.

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 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I had a meeting with XXXX rep and with the XXXX to go over my records from High school which had XXXX plan and recommendations. 
Discussion any accommodation would be honored and that teachers can assist me if needed help. 
I was pleased/ excited knowing XXXX XXXX would be there to help me accelerate in academically. 
Classes that attended Composition Writing essays Problem Solving was a math class which I needed assistance with math binary I reached out to the teacher. His response was really don't know this stuff. I never asked him for help ever. I was embarrassed and felt useless. 
STRATEGIES FOR THE TECHNICAL PROFESSION lab class to take a computer apart and put it back together. Reality not class needed since I was not building a computer or going into that kind of field INTRODUCTION TO PERSONAL COMPUTERS this was learning how to turn on/off the computer. How move a curser around. How to create an email. This was useless because at this time computers have been out over decade. 
OPERATING SYSTEMSINTRODUCTION TO COMPUTER PROGRAMMIN class learning components of a computer. Learning parts and where to buy them. I was not in the field of building a computer I felt they XXXX  to me about meeting my needs in the academic part and lack of support. I felt emotionally lowered my self esteem when I asked for help. 
Class being offered were meant for a XXXX technician or repair tech. Education offered did not match to the field/career I was aiming I filled out borrower defense application XX/XX/2020 Financial Department rep had all the paper work ready. Loans didn't cover all the cost. Arrangement was made for me to bring payments to the office lasted for few months. The rest were loans which I can pay after graduation up to 6 months. 

Never told me interest will still accrued if payment weren't made. I found out on my own nature of the loans and cost of the school would bring me into debt for life. 

Failed to inform me kinds of loans or interest if they were fixed or variable. Increments for each quarter was shown therefor wouldn't realize full amount of the loan. Didn't explain if they were Private or Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To whom it may concern I am writing to formally complain about Citi bank and their disregard for what is happening to their clients. I have a Citi credit card with a balance and have been seeking assistance from Citi.I have never missed a payment and have perfect credit. I was asking for interest deferral to buy some time to pay down the card .I am self - employed and have lost all of my work and income. I do not want to differ payments as the interest will still accrue, that really doesnt help. All of my other banks, car payments, other credit cards and loans have all stepped up and deferred payments and interest. 
Someone with the authority to look into their practices need to ask them why they need to collect interest when people are a couple months away from losing everything. It is a shame that Citi cant come up with a better solution. 
Please help with this matter in any way you can as I am sure there are thousands upon thousands of people being bullied and strong armed by Citi .Shame on them for not being better corporate citizens, obviously they are not concerned with anything but their interest earned on hard working people who desperately need assistance in theses unprecedented and difficult times. 

Thank you for your time and consideration.

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 2020-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I would like assistance in disputing a charge that is outside of the " 60 day '' time period. Last year I was contacted about working from home and I ended up paying several companies all connected several thousands of dollars for a website and related services. I have attempted to resolve them directly and some have refunded me but I am now realizing that the one company was not at all affiliated and just led me to believe they were and another has gone out of business. I have done my research and am now aware that the internet work at home business is nothing but a scam. I have been targeted and ripped off these companies because of their misleading and deceptive sales practices. It was not until I receive information for the Attorney General that I knew that I could dispute this under the credit card statute of Claims and Defenses. Please help me get to someone at Bank of America that is capable of handling this properly for me. The charges that I am requesting assistance on are : XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - {$2600.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$150.00} XXXX XXXX XX/XX/2019 - {$3200.00} XXXX  XXXX  XX/XX/2019 - {$70.00} XXXX   XXXX  XX/XX/2019 - {$70.00} XXXX  XXXX  XX/XX/2019 - {$70.00} 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 2020-04-21 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: LoanCare, LLC
State: NJ

Complaint narrative:
A late payment showed up on my credit report from Loan care on XX/XX/2020. We are current on our mortgage payments. I spoke with a supervisor who stated she wasn't sure why there was credit reporting done today for a XXXX payment. Do to the COVID-19 pandemic, negative credit reporting shouldn't be reported. We even sent them a screenshot of the credit reporting. They said it shouldn't have been reporting during this time. but we need to have it reversed.

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