vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: CA

Complaint narrative:
Ok I try using my cash app card kept saying exceeded my limit I never got cash this particular day XX/XX/2021 so I tried to contact support services got someone supposed to reset my limit so I can use card but soon as I try using card all my money XXXX was zapped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Please find the following two letters I wrote to Hyundai Motor Finance below : 1 ) Please contact credit bureaus to have Hyundai be removed from my credit. I spoke with XXXX in your office on XX/XX/XXXX. She told me to send documentation along with this note. Please find documentation included with this note needed to remove Hyundai from my credit report. Documentation included : are XXXX XXXX XXXX and Payment History. - Lease was extended beyond maturity date - I was awaiting confirmation from Hyundai that it would be OK - Once I received approval I made payment ( s ) within 30 days, which can not be reported to Bureaus or negatively impact someones credit 2 ) To whom it may concern, While applying for a home mortgage this year, I was informed that I had something on my credit report from Hyundai. I called Hyundai after finding this out, not knowing what it was in regards to. Hyundai told me over the phone that they did not know either and that they would contact the credit dispute department to request it be removed. I recently followed back up with Hyundai, because I never heard back. I explained to them that I had an auto lease that expired in XXXX. I returned the vehicle with no issues or any payments still to be made. I followed up with a phone call to Hyundai to confirm this and was told everything was fine. Come to find out recently, I was told that there was a late payment on my previous account and that was reported to the credit bureaus. I was never notified of this. Then, after returning the vehicle back in - I was told everything was all set, which was in fact not true. I am writing to request that you please contact the credit bureaus and have Hyundai remove this from my credit. I would appreciate a follow-up response to this request as soon as possible. ( Disputing Amount is {$370.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: IA

Complaint narrative:
Self inc seems to be waiting for interest can be incrued before they take a payment ... it's been 5 business days plus 3 weekend days and my payment is still not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was sent a debit card that I did not apply for US Bank reliacard

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 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I just was hit with a XXXX + debt collection for what says to be XXXX XXXX XXXX in XXXX Oklahoma. I have never lived there and currently own my home in XXXX, OK. I am in the process of obtaining a Line of credit and this will inhibit me from doing so. I am strongly inclined to seek legal compensation from damages as I may not be able to obtain financing now for this Business LOC and/or interest rates be higher as a result of a rapid credit decline due to the negligence and improper reporting. This should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
I tried several times reaching out to experian. They have closed my complaints and just made excuses on why they could not answer my complaint.This is the third time the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I am being ignored from having my credit report investigated.

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 2021-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
USBANK Account number : XXXX I have a mortgage with USBANK and due to COVID-19 my income has been reduced by XXXX XXXX from XXXX a month to XXXX a month. With this reduction My monthly debt is still under XXXX XXXX I had to get some things off of my credit report that was because of stolen identity but thats another story. So, I contacted USBANK to let them know that I have been affected by COVID 19 and that I need to get a loan modification for my monthly payment which is {$1700.00} a month, and I need that cut in half due to COVID-19. 

I contacted USBANK on XX/XX/2021, via USBANK website my portal access. On their website it states that if you need help click mortgage assistance so I did ( note this put me in a situation where I could not pay my mortgage for XXXX ) and they asked me to upload required documents ( business tax return, XXXX Statement and Request for mortgage assistance form ( RMA ) and I did. 

After doing all of that I got denied. I have had this mortgage for over 5 years and this is how they treated me. I have more than enough equity in my home and Im not late on the payments. 

I received a call from a USBANK rep telling me that I was denied. But, that is not helping me with this COVID-19 situation. I need a lower rate with no pmi, I am interested in a monthly payment of {$900.00} a month THAT would be the help that I need. 

I got excuses from USBANK, " saying my debt to income ratio was over XXXX XXXX but this is not true because my wife who is a teacher can help with other monthly bills. I need help due to COVID-19. Can the Cfpb 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 2021-02-27 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: GA

Complaint narrative:
There are three accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. XXXX XXXX, Equifax. XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: VA

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX XXXXXXXX reporting inaccurate amounts i provided information beforehand Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed 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 2021-02-27 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 ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: VA

Complaint narrative:
I pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. 
XXXX XXXX XXXX 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 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed 8 charges from XXXX and their servicer XXXX. I had repeatedly tried to resolve with XXXX and XXXX prior to being forced to file disputes. This was for dental appliances that were never received, they cancelled the processing but still billed in error thinking they had manufactured them. Capital One has reinstated erroneous charge to my card. This is despite providing overwhelming evidence that the charges were erroneous. XXXX has since admitted the charges were erroneous. They clearly state in writing it is an error and they have directed their servicer XXXX to refund all charges. It has been very difficult with Capital One. I was supposedly working with executive relations but yesterday " XXXX '' informed me she was making a credit permanent but in fact did the opposite and reinstated 2 of the charges on my bill. I disputed these charges and Capital One closed my card and issued a new one saying it would block future charges from the merchant but they immediately allowed 2 more charges from the merchant on the new card and then that card had to be cancelled. I uploaded proof that these charges were erroneous including correspondence from XXXX saying their charges were in error and that they had asked XXXX to give a complete refund. Capital One has this documentation and clearly it is undeniable these charges are not legitimate. Despite this they have reinstated the charges to my account. 2 charges as of yesterday. I spend hours getting the runaround from Capital One. They give completely conflicting information. You are dealing with people working from home with people in the background. The TV on and dogs barking. It is so not secure anyone apparently can be in the room while they are accessing your info. Where are the security measures! As my card issuer I am supposed to be protected from erroneous charges. Capital One despite the evidence and despite being told to block additional charges are refusing to help and saying there is nothing more they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have found out from my credit report that I have two bills with JEFFERSON CAPITAL SYSTEMS. I never received anything from them and was unaware that they bought out my debt. One of the debts was already disputed with XXXX. XXXX  even removed it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I am a victim of Identity fraud. I had to sue a Chief of Police in Minnesota because he was accessing my personal information for over 30+ years, and giving it to his drinking buddy to harass me, impersonate me, threaten me, assault me, open accounts in my name, and sent others to try to kill me in Minnesota ( also ) Colorado after I settled the Lawsuit in U.S. Federal District Court in Minnesota XXXX I was contacted by XXXX XXXX  about a debt I have no knowledge of when I lived in Colorado. I had to moved to Nebraska after I had been assaulted, and almost killed in Colorado. I was contacted over and over again by XXXX XXXX. I had changed my phone number, but they keep calling me over and over again. I was contacted by a law firm which took me to court about the debt. I went to court. The law firm didn't show, and the case was dismissed. The law firm again sued me, and again they didn't show up, so the judge again dismissed the case. The account was removed from my credit report, however, after the court case was dismissed it was added again back to my credit report. I had contacted the debt collection agency via email, and I had submitted a complaint on them for harassment. I sent them the links to my District Court Federal Lawsuit, my account information, and to stop harassing me. They have continued to call me at all hours of the day. I keep blocking their robot-calls as they mask it as coming from a local phone number in Nebraska. I kept blocking them, yet they continued to call my phone. I went to recheck my credit report, and see they relisted the debt again even after I sent the information of the Federal Lawsuit in Minnesota. I have filed dispute 's on XXXX XXXX XXXX XXXXXXXX XXXX. Online the accounts have been removed, or are on/under investigation, yet XXXX XXXX has a glitch on the site that will not allow me to dispute this account. I called all 3 credit report agencies to secure my account, fix all the false information that was recorded or placed under my name, social security number, etc. I am trying to repair my credit score back to the high XXXX 's it was, but XXXX XXXX keeps adding the account which keeps lowing my score over and over again by XXXX points or more. I keep being denied credit because of this bank and Portfolio Recovery XXXX XXXX as they keep renewing the account as active or unpaid. I can not repair my credit if this company keeps harassing me, and keeps adding the account after I have it remove or disputed, and they are not answering my emails on my past ( and ) current Lawsuit 's or the information I submitted about being harassed over and over again by them. The Chief of Police I sued still have all my past and current information ( including ) my Legal name change in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern : This complaint is in reference to the request to remove the 30-day delinquent marker reporting to this closed CHASE account. As communicated via phone to CHASE Rep AGENT XXXX XXXX  I have personally been affected by the FEMA Declared Texas Severe Winter Storm ( XXXX ) in XXXX and continuing that had rolling power outages and frigid winter temperatures. I personally lost power and shelter for several days and literally didnt even have heat or power to cook food and this placed a significant inability to make my past due payment that was due in XXXX. I literally had no power. Phone battery was dead and laptop as well. For added convenience Im adding the FEMA links here for your view. This was declared an Emergency Declaration by President Joseph R. Biden on XX/XX/2021. 

FEMA : XXXX : XXXX ; XXXX : XXXX I was under COVID-19 Payment assistance that per Chase ended on XX/XX/2021 per the email I received from Chase on Wednesday, XX/XX/2021 @ XXXX XXXX XXXX. on XX/XX/XXXX - CHASE reported a delinquency ( 30 days LATE ) notice to XXXX XXXX XXXX despite this unprecedented natural disaster and state of emergency. 

Lastly, please note now that my power is back and back at home, I made two in good faith payments to get the account current starting on Thursday, XX/XX/XXXX for {$120.00} and {$110.00} on Friday, XX/XX/XXXX totaling {$230.00}. 

As you can easily find by published media outlets this storm disaster was truly unprecedented and displaced millions of people leading to no power or heat. Some even died and were found frozen in their homes. I kindly plead with you to please do the ethically correct action and remove any delinquency markers for the month of XXXX or XXXX given this truly historic & unprecedented situation. 

I have since gotten my account completely current. I eagerly await response from CHASE Cardmember services confirming that any delinquency and negative reporting related my previous past due amount is removed in accordance with the FCBA and due to this FEMA & US President Declared Winter Storm disaster ( XXXX ) that AFFECTED my ability to make payments since I had NO POWER. Please take the ethically correct action. 

I eagerly await a swift written response to this situation.

Company response to consumer: Closed with non-monetary relief