vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I was calling every month to get replacement check from charles schwab that has closed my account. I have received a check for the amount of {$17000.00}. I have deposited it in ATM of XXXX XXXX. XXXX XXXX  has not accepted the check and said check will be sent back to Charles Bank and I have to ask Charles Schwab replacement check. I have been calling every month and had spoken to few customer service representatives and explained situation that I need replacement check. They have asked to wait as it may take up to 90 days and after 90 days I have been calling and everyone was assuring my it will be handled and I will receive a check. I also filed a complain to CFPB again XXXX XXXX as well and have received a response from their Executive Office that they have made long time ago attempt to send back funds/ check back to Charles Schwab and I can only ask for funds back from Charles Schwab as they owe me my money. I have never received fund either from Charles Schwab nor XXXX XXXX. I submit this complain to resolve this situation between Scharles Schwab and XXXX XXXX  and get my check in the amount {$17000.00} immediately. I will file a complaint to New York State Attorney General Office for not returning money if I won't get my mount in next 30 days against Charles Schwab and will start legal action.

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 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
18 years ago I was informed I had a time share at a place called XXXX XXXX. 
I disregarded the letter as I never bought into any timeshare in XXXX XXXX. I called the timeshare company then and told them I did not buy the timeshare. I did not hear back for about 5 years and assumed it was gone. Then I started getting calls that I owed {$5000.00} in back maintenance fees. I called them and told them I didnt know who they were I didnt know where they were. The next week I get a company called Meridian financial services send me a letter for collection. I called them and they were nasty and told me I would pay them eventually and they hung up. They harassed me weekly and sometimes daily calls. I hired a company call XXXX XXXX and they had it removed from my credit report as it was causing me to get turned down for credit. 6 Months later it was back on my report. I got it removed and 1 year later they got it back on. I get letters from the XXXX XXXX that I owe {$14000.00} in back fees. I hired another company called XXXX XXXX. Now what Meridian does is Put collection accounts on the report with different numbers each time so it looks like I have several collection accounts when it really is just the same company. I called them and they hung up. My credit is still being wrecked by this company it is the only bad on my credit report I have never been late on any of my many accounts but it costs me higher interest rates on my mortgages. But I refuse to pay the blackmail they are doing to me. I have asked repeatedly to show me one place anywhere that I signed for this timeshare and they tell me they dont have to. I did find that someone not related to me grant deeded this to me and I found that you can do this to anyone as long as there is no mortgage on it. I considered grant deeding it to a Judge and let them deal with it but decided against it. Several years ago I grant deeded it to a homeless guy who did not care and I informed the XXXX XXXX about it and they responded with they dont recognize that deed. I told them it is the same way I got stuck with it. They still keep sending me bills for over 15K. Please help!

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 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Creditor, Capital One, continues to report on a charged off account. The account was sold to a collection agency in XX/XX/XXXX. In spite of the fact that the account was sold to a collection agency, Capital One continued to report negative and late occurrences to the credit reporting agencies for approximately the past 32 months and thereafter. 

The debt has since been satisfied and the collection trade-line deleted from my credit profiles. Although the debt has been satisfied and deleted by the collection agency, Capital one continuously re-ages the account month after month as it is indicated by the credit reporting agencies and reflected in my credit profile. 

It is to my understanding that an original creditor can not report on a closed or transferred account. Therefore all reporting should have ceased over 3 years ago. 

I have written a letter to Capital One on 2 separate occasions ( XXXX and XXXX ) to request of Capital One to correct the error with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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:
covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX XXXX XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, 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 2020-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Over paid loan by {$2900.00}. 
Did not receive any payoff paperwork and kept making the payment after the loan was paid off. Called to see why I was not receiving any invoices any more and they said it was paid off. I said I did not receive any release of lien paperwork and they said I wouldn't.. It was a XXXX XXXX that was financed. I asked if I had overpaid the loan and they said yes by {$2900.00} and I said when were you going to refund it to me and she said they weren't. She said I had to fill out paperwork and I did so on XX/XX/20 and she told me it would take 60 days. I have not received anything yet. 
my loan number is XXXX contract number XXXX. the payments were {$710.00}. 
It was with P N C XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX, pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I discovered {$4800.00} had been transferred out of my savings account on XX/XX/XXXX. I called my bank immediately. The bank rep froze my accounts. After reviewing my accounts, the rep and I discovered 3 more transactions from my account for much smaller amounts which occurred on XX/XX/XXXX ( {$2.00} ), XX/XX/XXXX ( {$98.00} ), and XX/XX/XXXX ( {$25.00} ). The Chase rep said I would be receiving the money from 60 days prior to the day of discovery which was XX/XX/XXXX. I reviewed the policy on Chase.com which confirmed what the bank rep had said. I closed the accounts and opened new account later that day. In late XXXX, Chase bank changed their story and said I would only be receiving compensation for the 1st two transactions. Their reasoning was their policy is actually they refund 60 days from the 1st incident. This is not in the policy posted on Chase.com. I have filed a complaint with Chase ; however, it has been over 10 days and I have not received a call from this department. To this day, Chase has not provided me an explanation of how my savings account info was stolen, why they are not honoring their policy listed on Chase.com, and why they did not investigate my claim. I know they did not investigate because the transfers when through XXXX. I contacted XXXX who confirmed Chase did not reach out to them about my incident. This is important because of the 4 fraudulent transactions on my account, only 3 of them are similar according to the bank statement description. The 4th and largest transaction is different in nature. XXXX was unable to determine if all transactions were related. It is entirely possible there were multiple parties who acquired my bank information. If XXXX is unable to determine if these transactions are related and Chase did not reach out to XXXX, it is impossible for Chase to have completed their investigation and concluded all transactions are from the same source. It appears Chase did not perform any investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Ive had my car for 3 or more years and Im still owing over 15,000 on it. Ive tried several times to get my payment lowered because of my inability to pay so much and me not wanting to fall so far behind on payments and all they would do is give me extensions that would add more interest and prolong my loan. I am struggling and they offer no help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: I.C. System, Inc.
State: FL

Complaint narrative:
Incorrect Derogatory Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. 

IC System is now knowingly, willfully, and recklessly violating my FCRA rights by reporting an incorrect, invalid debt and collection account. The information reported is derogatory, and affects my ability to obtain proper credit, and defames my character. 

I have attempted to remedy the invalid, incorrect reporting myself however, IC System refuses to remove it as evidenced by the documents included in this complaint. 

USPS Certified Signature Required Letter : XXXX, USPS reports " Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX  XXXX, MN XXXX to IC SYSTEMS MISC. The item was signed for by XXXX XXXX. '' Document received XX/XX/2020 USPS regular mail in response from IC System dated XX/XX/2020 labeled " ACCOUNT VALIDATION '' does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. This is not my debt. IC Systems is incorrect in it's reporting of this adverse information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Case # XXXX with Coinbase.com On XXXX 2020 I made a deposit on Coinbase of {$250.00}, I forgot that they dont immediately receive funds and I spent money and didnt have enough to pay Coinbase when they tried to take the payment. This cause my account to go into recovery mode. In recovery mode I was told to make a payment or they would take the balance I had in my account. So I made the payment of {$250.00} when I had enough money. 

Once I made the payment my account was unlocked, but I had LOST {$250.00} from my balance so I payed a total of {$500.00} but only had {$250.00} available. I called customer support and there is no phone number so they only respond after you submit a ticket, I received generic answers A few days after which were very frustrating. I dont know what to do and this has happened before with a smaller amount which I need to track down, but Coinbase definitely owes me money. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: CA

Complaint narrative:
XXXX is reporting false information and refuses to fix it. I have 4 student loans that reflect 8 late payments of 90 and 120 days. I have disputed the information and some of the information was corrected but the most imperative has not been changed. My score has decreased by 150 points due to false information. The attached documents clearly shows that all 4 accounts are in good standing. This credit hiccup has affected my entire existence in regards to my business and personal life. I was approved for an SBA Loan and PPP Loan in which was to be used to fuel my Covid-related business related partnership with a nonprofit to help the community. My loans and funds that were set aside for my business were denied during the underwriting process prior to funding. A second lender herd my vision and tried to push my loan through twice and still was unable to get funded to to credit history and delinquent accounts. I am looking for housing and I am not credit worthy to purchase a home and honestly cant even find any temporary housing until I am able to finance due to my score. Please help 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 2020-07-12 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:
covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX   XXXX XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, 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 2020-07-12 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:
covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX   XXXX  XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 {$8300.00}. 
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.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -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 2020-07-12 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: MA

Complaint narrative:
I have sent several disputes regarding the two mortgage Companies reporting on my account. The only open mortgage I have is with XXXX XXXX. Please have them remove the account from XXXX XXXX. I have asked for proof with no response.

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 2020-07-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a payment to my account paying my account in full, but the company has not yet posted my payment and refused to tell me when the funds will be available for use. 

Further they refuse to provide me my account statements for review. It would be helpful if : 1. PayPal and/or Synchrony were transparent in how payment processing worked & when payments will be available for use. Holding my credit payment w/out allowing use of the account feels very UDAAP. Especially w/out any notice. PayPal is notorious for nesting critical account information in Terms & Condition.

2. I had access to my statements. The Company pushes me to do business electronically, but does not have the ability to allow me to view statements online or email me copies of the statements. 

About a month or so ago I called because there was a {$300.00} missing payment. The agent was unable to explain to me where the funds went.

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 2020-07-12 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: AL

Complaint narrative:
On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One sent an email ( attached ) alerting me that due to inactivity my credit card account would be closed in XX/XX/XXXX, but until then it is restricted and can't be used, thus it is effectively already closed. This was the first correspondence I received related to this issue and was not given any time to make purchases to keep the account active. I believe this is a deliberate effort to cancel credit accounts of customers as banks worry about issues related to COVID-19. I have outstanding credit and a perfect payment history with this bank. I have multiple credit cards with other banks that have provided notices that activity was required to prevent account closures PRIOR to actually restricting or closing the account. This was the first notice I received. After calling the bank and speaking to two different CSRs I was told that the account could not be reactivated and that the credit could not be transferred to another product.

I believe per the terms of the The Credit Card Accountability Responsibility and Disclosure Act of 2009, banks are required to provide 45 days notice to consumers of any major changes to the terms of the account. This needs to be included in this provision. 

It is completely inexcusable for a bank to just cancel your credit card account without providing any notice or providing an opportunity to make a purchase to keep it in good standing. 

I am outraged that in the midst of a pandemic banks are allowed to indiscriminately cancel people 's accounts without due process. 

Please investigate this matter and determine if this a pattern with regard to how Capital One is handling their credit card customers. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent several disputes regarding the two mortgage Companies reporting on my account. The only open mortgage I have is with XXXX XXXX. Please have them remove the account from XXXX XXXX. I have asked for proof with no response.

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