vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I Do Have An Issue With A Bank Of America Institution, Regarding A Fraudulent Activities Into The Account Provided By Them In Accordance With XXXX, Wich The Amount Is The XXXX That Were Taken Off In Different ATM Of The Same XXXX/Bank Of America, Prepaid Card So I Have Contacted First The Branch Management, No Action Taken, Then By Phone Access Through Almost 2 Months Already The Fraud Was Detected By Me On XX/XX/XXXX But According To The Statement It Reports That The Fraud Was Made From The Day XXXX Through XX/XX/XXXX The Days Started On XXXX An Amount Of $ XXXXThen On Day XXXX An Amount Of {$980.00}, Then The Latest Was On Day XXXX An Amount Of {$980.00}, All These Amounts Were Withdrew From Different ATM In Different Areas Wich I Personally Don't Know Were They Are Located As Well How The Card As Well As The Personal Pin Number Was Obtained Once It Is Personal, So Please Help Me To Get All This Funds Back Into The Account Due That Because Of This Issue I Ended Up To The Emergency Room With XXXX XXXX Issues. 

Thank You. 

Best Regards.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
XX/XX/XXXX -I purchased 4 Netspend cards at XXXX located at XXXX and XXXX  in XXXX XXXX to gift teen helpers for a summer work project. Loaded {$300.00} on each card and paid {$2.00} activation fee in store. 

XXXX XXXX gifted the cards to 4 teens. 

XX/XX/XXXX - informed by one teen that card was not working. 

XXXX, XXXX and XXXX teen attempted to use the card unsuccessfully XXXX I received card info from teen to contact Netspend Personally. 

XX/XX/XXXX - was asked to provide social security number, drivers license and prof of address via a no secure email in order to activate card. I declined for safety. Customer service person informed me the activation would be a " limited spend '' which I was open to. I asked for a description of " limited spend '' on the website ( Netspend.com ) or in writing so that I could communicate the details. There is no actual policy in place or listed on the website. Upon asking to speak with a manager, The customer Service representative put me on hold for an hour. 

I would like a refund of {$300.00} and I am reporting this company for false advertising and intentionally making use of the card complicated so that they can keep the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the following information for identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have contacted these creditors asking for documents and verfication of these items and the creditors can not provide me with anything that link these accounts to me. I never had any accounts with these creditors ever and I am asking the credit bureau to remove these fraudulent accounts from my credit report. My ID Theft FTC Report number is XXXX. I have also attached a copy of the report to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Equifax, XXXX  and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax breach and believe some of my accounts were compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I received my credit card bill on XX/XX/XXXX XXXX and notice they're trying to charge me an annual fee is {$39.00} on a closed account. when I spoke to the credit card company aspire they said I was being charged the annual fee because I canceled my card 2 days too late. any credit card I've ever had the past would never charge me an annual fee for a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am complaining about continuing fraud by Experian in their non-responses to this monitoring bureau. Experian has on three occasions lied and stated that they can not determine the identity of who I am filing this complaint against them. That is a blatant lie. In each complaint I have attached more than sufficient information to prove who I am as well as filing documents that are self-authenticating in that they are copies of documents that I sent to Experian and not one else could have access to them.

Experian has failed to remove blatantly unverified false and erroneous, incomplete accounts from my report in spite of four certified letters signed by an agent of Experian and which demand for proof of verification and the information I am entitled to under section 609 not within the 15 day DEADLINE, WHEN THEY HAD A MANDATE TO REMOVE THE ACCOUNTS OR AT AL!. 

The following accounts are inaccurate, incomplete, false, too old, re-aged, erroneous or not mine and must be deleted under the law : 1.XXXX UNVERIFIED XXXX XXXX UNVERIFIED 3.XXXX XXXX  XXXX UNVERIFIED 4XXXX alleged bankruptcy XXXX UNVERIFIED 5XXXX alleged bankruptcy XXXX UNVERIFIED 6XXXX alleged bankruptcy XXXX UNVERIFIED 7. XXXX XXXX UNVERIFIED TOO OLD FROM DOFD 8. XXXX RE-AGED AFTER DELETION I am attaching a copy of my drivers license which is the new certified driver 's license that works in lieu of a passport if desired. CLEARLY THIS PROVES IT IS ME. 

I am attaching copies of three of the certified mail receipts to Experian with signatures that prove they received the formal demands under 609 for proof and details of verification and my consumer file. The have had three 5 day time periods to proffer the required documentation and they ignored these legal requirements and flaunted the law. Regardless of what they allege they have " verified '' which is a fraud as I have the letters from XXXX where they allege verification was given, they have missed the legal deadline three times and they must delete the items regardless of any alleged documentation they receive at any time in the future. The law required deletion of the identified accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank/Mattress Firm Account # XXXX I was under complete isolation due to the Corona Virus. I am XXXX years old and for the past year I have had severe memory issues ( verifiable ) Had no income for almost 1 year. 

In addition, I never received any notice ( either by email or by the Post Office due to the incorrect mailing address ). In addition I asked them to notify me by mail and not to use my email address. The reason being that Synchrony Bank had my incorrect address. They had it listed ( still is ) under XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX. The correct address is:XX/XX/XXXX XXXX XXXX,. 
XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX. ( in a large complex ). I telephoned their customer service and was transferred 4 times. I asked that my phone call be noted and added to my calls.. They offered me a one time late payment removal. There are 5 from the beginning Corona issue. 

I am asking them to remove these late payments, remove the late fee 's. I also offer to pay any past due amounts to bring my account up to date ... ... ... .They refused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I'm writing in regards to my XXXX  account. My credit history is missing. It only shows late payments. The " paid '' history all says no data. I've pulled my XXXX XXXX report. Both XXXX  and XXXX  show the correct payment history. Equifax report is missing this payment history. I've brought it to equifaxes attention and they state that it is reporting correct. 
I have attached that portion of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have tried to open bank accounts and can not. I went to bb & t and they opened an account for me but a few days later. I was told that I was not able to do so and can not check my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX breach and believe some of my accounts were compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  breach and believe some of my accounts were compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute NATIONWIDE RECOVERY SY XXXX Date Opened XX/XX/2020 Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have this account for the past 7 years and have never missed a payment. I am XXXX years old and have to be ultra careful. During that period of time I notified US bank of the corona virus and there had to have been some reason why they did not do anything to answer my letter explaining my situation. Never heard back from them!!!!! 

In addition, my current address is not correct. It should be : XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX  XXXX. The address on file is absent the XXXX ... ... ... ... ... ... 

My understanding was there policy during the CV that they will take into consideration the period of time in the early months of this year ... ... ... ... ... ... ... ... .. 

I am asking them to eliminate the late fee 's and to remove the late payments from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CATHAY BANK
State: CA

Complaint narrative:
In its response to my complaint, CFPB case number XXXX, the complained company made egregious false statements about being lawful in its dealings with me, and about it has obtained successful court rulings. They were absolutely untrue, and were calculatedly and shamelessly made to deceive CFPB and to avoid responsibilities for complained frauds and abuses. The company has also been completely lawlessness in its acts to subvert justice in courts. Its representing attorneys took advantage of my being unrepresented and brutally bellied me to intimidate me from pursuing justice in court. The company believes that it could get away from malicious cruel abuse of me, a XXXX years old customer who had been its loyal and perfect customers for four decades, and had done no wrongs to deserve being robbed of my paid off home..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
i took the 180 cares act thing because of covid was sent after 180 day a notice that if i paid one payment the rest of the back payments would be add on at the end of my morgage so i paid the one payment and now when i go to make the next payment is say i owe all the money from the 180 day program and it wont let me make a normal payment why? i agreed to keep making my normal payments and the amout that owed from the 180 period would be added on at the end of my morgage. so what happen? so are you going back on the agreement. if so i guess i have to get a lawyer and take you to court. i dont want to do that so lets just go back to the agreement and il pay my normal payments and you add the owed back balance to the end of my loan. also you need to fix your site so i can make my normal payments again because right now it wont let me pay anything thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one claims although my sister stole my purse with all my forms of identification along with cell phone and car while I was at work that I am still responsible for her using two capital one cards and maxing them out on purchases of gift cards that she could sale on street fro XXXX. Someone has to help me more than just report it demand them to help me this in itself is robbery. Please I have suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I received a copy of my XXXX XXXX XXXX record and I have found several inaccuracies in the report, and my consumer ID number is XXXX. 

The following information is inaccurate : USAA Account # XXXX marked as fraud USAA Account # XXXX marked as fraud In detail, you recorded that I had non-sufficient funds/checking account fraud with USAA on or around XX/XX/2018. I am disputing this record because it is inaccurate due to identity theft. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litagtion due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into the wrong hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted several claims for a company that was pulling money from and they keep denying them. Not because they received information from the company but because I was funding my account, and because they were giving the companies my card information after I changed my card number and put a stop payment on the account. I even advised them that I tried to contact the merchant as they advise you to do before filing a claim and they used that information against 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 monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
complaint involving fay servicing - I fell behind on my mortgage and filed bankruptcy chapter XXXX ( with a lawyer was informed to start making a fresh start XX/XX/XXXX and that my XXXX payment was included in the bk cp XXXX case. After discharge i received a bill from fay servicing showing doubled for XXXX and XXXX. I've called fay servicing multiple times requesting research and correction to my acct. Last call was around XX/XX/XXXX rep said he would send a pencil ledger to my case manager. I haven't received a call back as of yet but in the mean time fay servicing filed a motion for relief on my home. i have brought my account all the way current but they are still saying i am behind. i have all my payments which where made by check so i have my bank transaction history to fay servicing to provide. I fell they are misleading and it's not fair to me also i feel like they are eager to take my house instead of correcting the issue and they keep charging lawyer fees on my statement but won't address my issues.

Company response to consumer: Closed with explanation