vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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: Capital Accounts, LLC
State: LA

Complaint narrative:
I received my credit report from XXXX and I noticed a derogatory mark from Capital Accounts LLC. This account is involved in ligation. I disputed this with XXXX  and with Capital Accounts LLC. I was not notified on the outcome of this investigation. It has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: LA

Complaint narrative:
I received my credit report from Equifax and I noticed a derogatory mark from XXXX XXXX XXXX. This account is involved in ligation. I disputed this with Equifax and with XXXX XXXX XXXX. I was not notified on the outcome of this investigation. It has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: MD

Complaint narrative:
Equifax updated my credit raised my score 117 points after not theorizing since XX/XX/2020 - then days later took another drop 107 for no reason! They are hurting my credit reporting and still showing unauthorized inquires. Also inaccurate account information. Dropping my score after fixing it is ridiculous! Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Moneytree Inc
State: NV

Complaint narrative:
Applied for the loan because of a family emergency. Been out of the country for awhile. Lost my job then Covid-19 started before I can find another job. Now working and with only paycheck to paycheck, I can not afford to pay the loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I was in process to buy a new cell phone on XXXX website and chose to finance my purchase by way of monthly payment over 36 months. The site directed me to TD.com for approval. I was asked to call ( XXXX ) XXXX in order to complete the credit application process, which I did. After verifying my information, I was put on hold for a while and then was told that my credit application was denied and I would receive further information by mail. 

I paid for the phone in cash using my credit card. 

I received a standard letter stating denial of credit and asking me to contact TD Bank for further information within next 30 days, which I have done. by email as follows : Quote I am in receipt of your letter dated XX/XX/2021 denying credit for purchase of XXXX phone. I am highly surprised by it and also extremely disappointed at TDs incompetence in handling of this matter. 

In short, I am considered as a high net worth ( can provide the documents for liquid assets of about {$2.00} XXXX ) with excellent credit score over my entire life, never had a single overdue bill in my entire life, NO DEBTS, fully paid up home, no car loans, no consumer loans. I have two credit cards issued over decades ago which have never had outstanding balance and one decades old credit line for overdraft protection which has never been used. I have high income and have been charging between {$7000.00} - {$10000.00} per month on my credit card for decades, which is paid off in full each month. 

I do not see any reason for denial of credit based on my financials and would like a detailed explanation to show that such denial was not based on illegal discriminitory practices under the law. I am also filing a complaint to this effect with Consumer Financial Protection Bureau. 

I look forward to hearing from you. 
XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
For the past year and half I have reached out to this Comenity Bank for a XXXX XXXX card - They keep missing my whole point stating this is your account we verified it you opened it. Thats not what I disputed - The card was STOLEN and used without my consent! The charges are not mine and fraudulent. They have yet to provide proof of debt validation other than a statement. This provided nothing! That doesnt show someone used my card unauthorized and by federal laws Im protected in this matter. I will now seek legal action if not resolved. They runaround and completely ignoring me is so unprofessional and illegal. You can sent a statement and says there proof. Doesnt work like that in the rights & law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CA

Complaint narrative:
Me and XXXX XXXX have tried to reach Equifax on reporting my revolving credit card for 4 months and nothing has happen. XXXX XXXX has reported for 4 months my revolving credit card to Equifax and they haven't put it on my credit report. I've attached a letter from XXXX XXXX stating they've tried contacting Equifax to get this resolved. I've also attached a copy of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Credit inquiry on my report should be taken off I dont have a product from Citzens one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: GA

Complaint narrative:
Each month I send approximately {$170.00} USD ( XXXX XXXX SHILLINGS ) via Xoom to my landlord in XXXX. I received an email from Xoom stating the transaction had been completed, but my recipient NEVER received the funds. Xoom 's website had been upgrading sinceXX/XX/21, but Xoom did not notify customers till XX/XX/21. Xoom states the recipient received he funds, although their website is down. My recipient only received a message that the funds are not available. Normally, it only takes a few minutes, this is over 24 hours and the recipient still has no money. 



Transaction number : XXXX Transaction date :XX/XX/2021, XXXX XXXX EST Date available for recipient :XX/XX/2021 EAT Send amount XXXX XXXX XXXXotal paid XXXX USD Recipient receives* XXXX XXXX Exchange rate XXXX USD = XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've been trying to close my HSA Bank account and transfer the full balance, ~ $ XXXX, to my other HSA provider since XX/XX/2020. I was told this should complete by XX/XX/2020. 

When it did not complete by XX/XX/XXXX I called HSA Bank. They told me that they got the transfer request, but they couldn't do anything until I liquidate the investment portion and transfer it to the cash account. They told me that they can automatically restart my transfer once this is done. Note that they did not tell me about any of this willingly, I had to call in to their hotline for about 20+ minutes to find out why my transfer had not occurred. At this time, I requested that my investments be transferred to my cash account. 

Several more days pass and I notice that my transfer has still not gone through, so I call HSA Bank back. They tell me that they still cant do my transfer because they have deposited some tiny amount of money into my investment account as interest, something like {$1.00}. I request that my investment account be closed and all the money transferred. Again I confirm that HSA Bank still has everything they need to do the transfer automatically once the investment account is closed. They assure me it will go through after the investment account is completely liquidated. 

Several more days pass after my investment account is closed, and the transfer has still not gone through. When I call HSA Bank again ( remember, each attempt takes about XXXX minutes or more ) they tell me that the transfer has not been started, so I ask them again to start it. They tell me it should be done in 10 business days.

At least 2 weeks later it is XX/XX/XXXX. I see that the transfer has still not gone through. When I call HSA Bank again, they tell me that they never started a transfer. According to them, they told me during my last phone call that I need to resubmit my transfer paperwork for the transfer to start XXXX This is not true, they specifically told me that they ordered the transfer during my last phone call ). I asked again if they have the paperwork from the last transfer that they can use. They tell me yes. They tell me that an expedited transfer has been approved and that it should take place within 48 hours and that they will call me when it's completed. As of this moment, it has been almost 72 hours, still no call and no transfer.

It has been about 6 weeks and several long phone calls now. Can someone please help me get my money away from HSA Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
XXXX XXXX BTC** XXXX XXXX BTC** XXXX before Bitcoin made it too my cash app wallet cash app closed my account and unlinked every bit of information on my account that would allow me to login too the account** XXXX Recieved email stating that my card and bank account were unlinked as well as my email. I responded immediately too let them know I did not unlink my information and account must have been compromised. XXXX Theyve been promising that they have my account and Bitcoin would be merged onto the account they made me make and never has happened. XXXX the manager at first gave me information too an account that wasnt mine which is really scary and just that alone was enough to be sure that these guys are are joke. Theifs I can not believe how Cash app gets away with how they do business its nuts ... I reported them too the XXXX and they also keep responding too my complaints and try getting me to agree that the problem has been solved but it hasnt and its very clear it hasnt so i just keep rejecting there response. Im hoping that this message will be the eye opener for them because this is now over XXXX $ in Bitcoin they are wrongly holding from me its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit inquiry on my report should be taken off I dont have a product from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was a domestic violence victim and my card had been stolen and used numerous times. I reported this to the bank and they punished me by not allowing me to use my debit card. I can receive deposits but it's almost impossible to make withdrawals without an atm card. I believe that I have been racially profiled. I did not receive a restriction on my account until I told the fraud department my ethnicity. The bank is making it almost impossible to keep my balance from going negative. I provided all that Navy Federal asked for and my account was still restricted. This bank has been investigated and has had to pay out a class action suit regarding overcharging customers. I believe I have been targeted and I feel like I'm being abused and victimized all over again. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I am currently a customer at Chase. I received money via XXXX from someone that I know and provided this person with shoes. Chase allowed this person to put a claim in on the XXXX claiming they never received the product although everywhere on the website states that there can not be a claim on a XXXX transaction because they authorized the payment. XXXX dollars was withdraw from my account and caused my account to overdraft. I contacted Chase who told me well this person said they never got their product although the disclosure clearly states that they are not responsible for any disputes between users. Chase informed me that I would have to speak with XXXX who just directed me back to Chase. This is very disappointing because Ive been a customer with Chase forever. They even told me maybe I should take the person to small claims court and there is nothing they could do. We are in the middle a pandemic and this is my only source of income at the moment and for my bank to just act like they do not care is totally devastating. I also believe chase is treating me differently because of my area and the amount of money I keep in my account. The way they spoke to me was heartbreaking. The website says there is no way to reverse. Then I see other complaints where folks cant get there money back but this mysterious fraudster was able to do so. I believe this person may either work for the bank or know someone who does. There is no way that my Bank should allow this to happen and take one customers word over the other when they clearly say they wont handle disputes between users. They wont even provide me with who put the claim in so that I can provide tracking numbers that prove this person received their shoes. I wasnt contacted one time during this claim process to provide my side of the story

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/21 I use cash app to send {$1000.00} to XXXX XXXX. later On the same day I requested a refund from XXXX XXXX and was immediately refunded. Cash app said the money could take up to 5 business days to be returned. As of todays date XX/XX/21 I have not received my refund. XXXX XXXX XXXX XXXX XXXX my financial institution where the funds were withdrawn from said cash app did not properly refund the money and must resend it. I have contacted cash app and informed them of what i was told by my financial institution. As of todays date I have not received my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2020 I refinanced the car. I did not know the new lender did not completely pay off the loan. Four months later, XX/XX/XXXX, original lender Chase called to collect and this is when I found all this out. I immediately paid off the loan for remaining {$130.00}. This is reported as a late payment, it was due to the new lender not paying enough to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase account was closed about a month ago and was told that Id receive my remaining balance in a check that was to be mailed to me in about 3 business days. So I waited it didnt not come. Called once again abd they said sorry the check was not sent out yet. They said theyll send of course same thing over abd over Im just getting the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I was contacted on XX/XX/2021 at XXXX by a woman from Peragon Revenue Group to collect a {$790.00} medical debt. When i explained I thought I had already paid and questioned the validity of the debt, she got extremely angry and told me I was incorrect and this was for the hospital not medical provider. I asked for validity and she continued to become angry and I told her I wasnt going to pay without proof. When I said that, she told me fine, I will call the hospital and tell them to put this on your credit report and it will affect your credit! I have rights to ask for validity which she denied and I have rights not to be threatened for a debt I will gladly pay once validated!! Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, Consumer Financial Planning Board complaints are XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of XXXX from its credit report TransUnion willingly continues to participate in XXXX fraudulent scheme. 

Email to : XXXX, XXXX and XXXX, subject : XXXX Request : XXXX XXXX # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX . If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. TransUnion respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

TransUnion has been repeatedly advised to request of XXXX XXXX XXXX XXXX its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : XXXX XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX  XXXX XXXX TransUnion please provide a copy of the XX/XX/XXXX letter and stop participating in XXXX XXXX reporting FRAUD.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: MS

Complaint narrative:
My card was expiring on theXXXX so I called for a replacement card on XX/XX/XXXX they sent me a card but that card did work they said they didnt no were that card came from so I ordered another card that card came also tried to ativact that one that one did not work so I ask to speak to a supervisor I told her whats going ok then she said she would get me another card so that card also came by XXXX so that didnt work thats the third card was sent out to me and didnt work I told her I havent not even paid my bills that the landlord was evict me all she said she was sorry to here that but she is the supervisor and thats all she had to say was sorry now I called again XX/XX/2021 to speak to a supervisor they told me theres no supervisor in

Company response to consumer: Closed with monetary relief