vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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: UT

Complaint narrative:
****Attention Credit Bureaus, General Revenue has illegally violated my rights under the FCRA section 605 B by negligently reporting alleged fraud and identity theft debts per FCRA section 623 as the Data furnisher to you all. I have provided them the Data furnisher valid and active police report numbers to retrieve the required documentation from the XXXX XXXX police department which they have negligently failed to do so. Instead XXXX XXXX willingly reported this debt anyways to all 3 credit bureaus. I demand immediate removal of all reporting promptly due to these major violations under the real FCRA federal codes.

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 2021-08-01 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: UT

Complaint narrative:
****Attention Credit Bureaus, XXXX XXXX has illegally violated my rights under the FCRA section 605 B by negligently reporting alleged fraud and identity theft debts per FCRA section 623 as the Data furnisher to you all. I have provided them the Data furnisher valid and active police report numbers to retrieve the required documentation from the XXXX XXXX police department which they have negligently failed to do so. Instead XXXX XXXX willingly reported this debt anyways to all 3 credit bureaus. I demand immediate removal of all reporting promptly due to these major violations under the real FCRA federal codes.

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 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My credit card has been compromised. I cancelled the card at the advice of the issuing bank ( TD Bank ), yet the charges persist. I learned that Visa has a service called Visa Account updater that automatically provides new account details on previously cancelled cards to merchants. See XXXX XXXX XXXX The only way to avoid the continued compromise of my account is for the issuing bank TD Bank , to opt me out of the Visa Account Updater system. This opt-out feature is a feature offered by hundreds of banks in America as a simple XXXX search shows. And it is to my understanding my legal right. for example, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent two hours, including hold time, speaking to TD Bank agents. They were unanimously rude or incompetent or both. Without exception they were unfamiliar with the Visa Auto Updater service ( XXXX XXXX XXXX ). Yet despite, their admitted ignorance of the feature, they insisted with finality that I could not be opted out of the service, despite my legal right to be opted out. 


As an aside, this incompetent customer service and long hold times are habitual with TD Bank. 


Please have TD Bank immediately opt my accounts out of the Visa Account Updater system,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AR

Complaint narrative:
I'm a victim of Identity Theft and I reported that to Chime. Sent the Identity Theft Report and also sent the police report I file a dispute on the transaction that I didn't do in which I couldn't because my card was stolen with other very important items as well. Chime claim that it wasn't any error from the dispute of XXXX. It put an negative on my account then on XX/XX/2021. I received an deposit from IRS Child Tax Credit which was sent to Chime by mistake. After that my account was suppose to be closed on XX/XX/2021. Chime was wrong very rude and took from me and my children

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: UT

Complaint narrative:
In XXXX I submitted 3 disputes requesting to have my 2 student loan serviced accounts with Department of Education re-submitted onto my credit file with all three credit bureaus with the correct balances but my request has not been completed to the satisfaction of my request ; they have refused to add the accounts to my 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 2021-08-01 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: UT

Complaint narrative:
In XXXX I submitted 3 disputes requesting to have my 2 student loan serviced accounts with Department of Education re-submitted onto my credit file with all three credit bureaus with the correct balances but my request has not been completed to the satisfaction of my request ; they have refused to add the accounts to my 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 non-monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
3 issues I was never told : - I needed a XXXX to obtain a bank loan before applying when I opened the account and spoke to thet teller who never mebtionred that! Then I called telling them " remove the inquiry he never tokd me I wouldnt have applied for the account. 

- Then # 2 is they charged my account as soon as I drafted my ssi check for a $ 20 monthly main. Fee that he also never told me when I opened the accout!! Thats like the page before describing why " rights not disclosed '' - They set XXXX inquiries

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 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my credit card accounts due to inactivity which negatively affected my credit score which in turn I was not able to obtain a good mortgage rate, & insurance

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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Today XX/XX/2021 while verifying my consumer report on EQUIFAX, i noticed a hard inquiry that i never gave my written instruction to grant permission to report this information.

it is a violation of 15 U.S.C 1681b ( A ) ( 2 ) I submitted a dispute today and demanded this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. I am a square user and opened a business in my house for mini drinks and retailing known as " XXXX XXXX XXXX XXXX '' I process one payment with square and square needed information about my business. I sent them my ID card and other document but I have not gotten a response and it has been weeks. 

I need square to tell me when I will be able to withdraw my money. 

If they have deactivated my account, they need to tell me when I will be able to withdraw my funds. 

The email address associated with my square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Account Name : SYNCB/MILLS FLEET FARM Account Number : XXXX Date Opened : XX/XX/2014 Balance : Reason : Identity theft Please remove it 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 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wallet was stolen and I filed a police report with the XXXX county sheriffs office case numberXXXX XXXX. I called capital one and advised them that this account was fraudulent. they refused to assist me. As a result of there lax verification process my credit is now getting screwed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 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: GA

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I was a victim of a scam when the fraud dept called I was told the transaction was blocked I agreed to stop the payment to allow for an investigation, they told me it was stopped, the scammer told me it was not received and blocked. the money has never been returned to the 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 2021-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IN

Complaint narrative:
I have been trying to get loan forgiveness on my student loans under PSLF/TEPSLF. I have been working on this since last XXXX, having submitted paperwork at least 3 times. The summary shows that I've made more than 120 payments on each of my loans, but I was not in a qualifying plan for PSLF. That placed me in the TEPSLF program. The latest communication prior to this week ( XX/XX/2021 ) asked for my tax info, in order to meet the requirements for making payments at least as high as the income-based category. I had always made payments at least as my billing statements indicated prior to this communication, but have increased it to $ XXXX/month, based on this. With the COVID loan suspension, plus my resumed payments, I have over 12 months of payments, based on this newly discovered criteria. 

I spoked to someone on t he phone last week ( XXXX  ), who said that everything looked good, and he would elevate my package, but asked me to submit another application ( which I did ). Now it says that there is an arror in my letter that states my employment end date is before my start date. The application does not show an end date at all, and the stiff working there box is checked. Clearly THEY DID NOT EVEN READ THE APPLICATION! 

I am really about at my wit 's end over this. I am expected to be perfect in my job, but I can't even expect average service in my dealings this the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: SC

Complaint narrative:
I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal didn't let me settle negative balance for months which resulted to two of my linked accounts to get locked and hard-earned funds being seized. 

My main PayPal accounts XXXX & XXXX was locked because PayPal see they were linked to my older account which had a negative balance ( XXXX $ ) ( XXXX ) After months of calling PayPal, the support agent asked my full name, address and forwarded me to collections department, collections asked me what country i registered my PayPal account, then told me that i should use PayPal messaging on website to solve my issue. 

After sending them a money order to settle the negative balance, the negative balance on my old paypal account was cleared but after a month they sent me an email saying my account is locked and funds will be frozen for 180days. A month before I reached the 180days, PayPal moved the funds out of my account and claimed it as " Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. '' Both of my accounts had a total of XXXX Philippine Pesos or XXXX USD. 

They claim there is a violation then use that as justification to steal my money. All the money I acquired from both accounts are from the onlinegames I managed. Not casino online games, not dirty money but earnings from role-playing computer games where you level your character, and do some quest. 

P.S I'm from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
Morning, I have requested several times the payment of one of my mortgages, I have been trying to get this information for a month, they called me because I sent many emails claiming, but they told me they would send it to me and I have more than a week and nothing they send it, I no longer know who to talk to and who to contact, it is always a problem with this bank to make any claim, they work very badly, I am their client ... it does not seem that they. They are my client because I always have to point out the work that they do wrong and they still don't fit it ... I feel frustrated with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
So I have a coinbase account and one day I recieved a email saying my way to open my account thru a picture was approved, I found that odd because I never asked for a XXXXXXXX XXXX XXXX to be approved. So I contacted coinbase and told them that I thought my account was hacked, so they told me that they were temporarily freezing my account and some one would be getting back to me in 5-7 days, I thought ok that sounds fine considering that I have over {$5000.00} in my account, well that was over two months ago, you can not reach them by phone, I have emailed over a dozen times and every time I get the exact same email back saying they are reviewing my account and someone will get backto me in 5-7 days, this is outrageous, they have stole my money and I would like it back, please help XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01 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: IL

Complaint narrative:
1.XX/XX/XXXX fraudulent hard XXXX inquiry remains on file even though XXXX has removed it from the XXXX file. 

2 Attempted to review credit report through XXXX XXXX XXXX and was denied access on XX/XX/XXXX and XX/XX/XXXX because I could not answer questions posed : a. ( i.e.retail credit card opened in approx XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX card opened in XXXX. Never had the others ) ; b. bank card opened in XX/XX/XXXX -- none applied to me from the list ) c. ( Auto loan lease in XX/XX/XXXX ) none : have XXXX cars on is a XXXX and XXXX ) d. ( total monthly auto payment ) ( have no auto payment ) Either Equifax is attempting to harass me or has mixed my file with another consumer. 

Note : my credit score with XXXX via Equifax has mysteriously dropped XXXX points since XX/XX/XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
1. I purchased a prepaid credit card from https : //www.amexgiftcard.com/ on XXXX XXXX for {$81.00}. I used my citi credit card to make the purchase. 

2. I tried to use the card and ran into problems. I called amexgiftcard on XXXX, and they processed a refund, including purchase fees, and emailed me that I will get it in 5-7 business days XXXX XXXX. The card is canceled as it was being refunded and can not be used. At the same time, I purchased another card from them, which worked and I was able to use it.

3. After waiting for several weeks and not receiving a refund, I called them. They told me they are sorry, and they will email the " back office '' to process the refund.

4. Nothing happened. I called 3 more times, each time spending at least an hour on the phone, with the same response in # 3.

5. They never processed my refund or gave me back my money.

Company response to consumer: Closed with monetary relief