vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Tuesday, XX/XX/XXXX : It brings me great sadness of how the employees continue their unacceptable and discourteous behavior toward a loyal customer of theirs who finally had to close her accounts on her own accord in the email addressed to Mr. XXXX on XX/XX/XXXX after he ignored me three times to reach out to him when he chose to break his promise of not calling me back on Friday, XX/XX/XXXX to close my accounts. 

While I was asked to reach out to a " XXXX '' whom I've now emailed a total of three times to get my money, she too, among the rest of the other negligent and malicious employees listed previously, she too has completely ignored me. What an extremely audacious and insidious group of people they are. They really are all asking for it. 

Also, such preposterous, absurd, and extremely audacious people furthermore refuse to communicate directly to me. It was bad enough that that Ms. " XXXX, XXXX '' broke confidentiality laws by forwarding me all of my emails to that trouble-maker XXXX without asking for my consent first, etc. This group forwards correspondence like the wild-fire to one another without the person 's consent -- there really shouldnt have to be a confidentiality waiver attached to each person 's email to this group. Nevertheless, I had a confidence waiver at the end of each of my emails to them. 
That's right, they expect confidentiality of their emails to be respected, yet this buffoon of a group refuses to respect other 's own privacy even when I have taken the initiative to put a confidence waiver at the end of my emails. 

Despite me now reaching out to " XXXX '', she too has neglected her " due diligence ''. 
Additionally, US Bank continues to communicate to another party about my private business affairs instead of communicating directly to me to wire my money, with no fees, period. Today, XX/XX/XXXX, another separate party notified me that Us Bank is communicating with them about my private affairs to them and NOT to Me, AGAIN. 

This group is really asking for it and has everything horrendous in this world coming their way. 

I want all my money back in my -reopened accounts so that I can wire the money accordingly to the way I see fit to my new banks. 

ATROCIOUS. 
UNACCEPTABLE.

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 2021-04-06 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: VA

Complaint narrative:
I contacted Equifax to let them know there were a lot of fraudulent inquiries made there were 28 of them. And I was hoping that they would remove them without having to go through this process but they said they could not and I had to file a report with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 set my auto loan payment on automatic loan payment program for which it took effect on XX/XX/2020. In addition to the primary payment {$100.00} was put toward the principle payment. I called Wells Fargo Auto loan department to find out why the money was not taken out as scheduled on XX/XX/XXXX. The first customer service person stated that I did not have this program in place when I did. Once the customer service went on the website along with me, the person realized that there was an error with the system. I was told that I had to pay an additional XXXX which I did. 
Then from XX/XX/XXXX to XX/XX/XXXX the " system '' of the Wells Fargo Auto Loan Program did not know how to apply the principle as stated, then on XX/XX/XXXX I received an alert from F.I.C.O. credit reporting for late payment. I had to go into a branch to find out that the department changed Complaint executives without notifying me plus they physically reported my payment late when it was not late due to their system error. XXXX XXXX ( Acct # XXXX ) stated that they corrected their error on the same day but it will may take longer than thirty days. I have supporting documentation of the errors made on my payment history. The whole experience is depressing when a person has a excellent payment history. 
I had a perfect payment history manual and automatize until the system made the error.

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 2021-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

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 2021-04-06 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: TX

Complaint narrative:
fcra violations : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One Credit Card repetitively places my credit card payments on hold when my payment amount exceed {$200.00}, Although my account has no recent returned payments. I am being penalized. I make my payments from external accounts that are on/have been attached to my account since the issuance of my secured credit card. As of recent. XX/XX/2021. I made a payment of XXXX from my XXXX XXXX acct. I have made numerous payments from this account over the history of having this credit card. Yet- Capitol One held the payment for XXXX for 10 business days and I was provided no interest for my held monies on this secured credit card. XX/XX/2021 I made a payment from my Capitol One Checking acct in the amount of XXXX and these funds have been & are currently on hold for 7 business days. Again I gain no interest on my monies that are being held. The payments for XXXX and XXXX cleared my bank accounts and was deposited into my Capitol One Credit Card acct between 1-2 days. I have transaction transmit confirmation from my Checking acct to support this statement. Capitol One Credit Card has no reasonable justification to repeatedly hold my credit card payments. Not allowing me access to these monies. Capitol One Credit Card actions repeated has caused me undue financial hardship. During this time of pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: MoneyLion Inc.
State: CO

Complaint narrative:
I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX  REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Friday & Sat. XXXX XXXX and XX/XX/21, I tried again on Mon XX/XX/21 I spoke with 3 customer service reps. a supervisor and a manager. In regard to me trying to pay my monthly bill with Capitol One, with my XXXX XXXX secured debit card which I put my cash money on to pay my bills. I paid another bill with no problem with the XXXX XXXX secured debit card. This is the second time I have had an issue with paying my bill, the last time ( a couple of months ago ) I had a {$50.00} gift card that I was unable to make a payment with. I had to go get cash, put it on another card in order to pay. I feel that I should be able to pay my bill regardless to the type of card that I have as long as the funds are there to complete the process. They would definitely penalize me if I was late. In the meantime they are charging me interest daily when its there process that's deterring me from making the payment. If they don't want me to pay. Then release me from the full responsibility of the debt. The account is already closed and its still accruing interest. Which I don't see why, because if the account is closed, it should be closed to them as well, were they shouldn't be able to still add to the account. I owe the money and I fell on hard times is the reason I got behind but I am trying to redeem, myself working on my credit. So, these obstacles that I am being presented with is ridiculous. They want to suggest that I use another account, or card. They are in no position to suggest anything to me. Just take the payment!!!!! or Release me of my Obligation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is going to sell my home through a foreclosure sale after Bank of America informed me that I can avoid the foreclosure sale by selling my home by myself or with the assistance of a Realtor.

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 2021-04-06 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: CA

Complaint narrative:
There is an account that is showing up on my credit report that is reporting wrong information. I have contacted the XXXX  and they said they do not fix credit bureau items. I have asked Experian countless times to remove this account from my report as it is showing wrong information. They send me letters saying the account was verified by the client. Yet they are still reporting the wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
See attached. Spoke with Navy Federal, the representative indicated all they need is return tracking information. Provided via fax, but still claiming : " There was not enough supporting documentation or evidence to move forward in the dispute process '' I am unsure what else they want now, other than the return tracking informaiton.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I went into a Chase Bank located in XXXX, Florida to inquiry about the Forberance on my loan due to significant hours decreased at work due to the pandemic. The bank was unable to assist me at that time so I was given the phone number to contact to put the forbearance on my loan. 

I called the number while sitting in the lobby and was connected with someone to help with adding the forbearance on my loan. I was told the forbearance was approved and I did not need to worry about any negative reporting on my credit report. 

My loan was sold to XXXX XXXX XXXX  in XXXX of 2020 and at the time I pulled my credit report and noticed that Chase had been reporting my account negative even for the month that I did not have my account with them. I have called multiple times and each time I am told that Chase has not reported my account late at all. This is incorrect. They have been reporting my account late from XX/XX/2020 until now. I really need this to be corrected. 

I have been offered a job and due to them reporting these incorrect late notices on my credit report it is causing a delay with me getting this federal job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
Please delete the account listed below in accordance with the FCRA section 605B and FDCPA. Under section 605B of the FCRA it states that this credit card should be permanently deleted from my credit profile within 4 business days because it was opened fraudulently. I have attached the FTC Complaint to this file. 

XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have had my mortgage for 15 years. It was sold to this company. They have increased my late fee from {$10.00} to {$27.00}. They sent me a copy of my contract with out any initials or signatures on the pages that reference the late fee with a late fee of {$18.00}. I have requested all the loan documents since the ones that were sent to me appear altered and I am positive of what my late payment fee was. In the history of the account the gave me there were 2 late fees with the prior servicer for {$10.00}. I have tried to get this corrected to no avail. It appears as if someone has doctored my paperwork. The first representative I spoke with said the late fee was {$27.00}, I think he said it was a 5 % late fee and that he had my initials on a contract beside it. The next representative that I spoke with said that my late fee was {$18.00}. I know that my late fee was {$10.00} but I do not have my original contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
XXXX paid XXXX towards principal XXXX talked to Exeter representative XXXX paid {$550.00} towards principal XXXX paid XXXX monthly payment due the 14th day of each month XXXX Spoke to Exeter representative XXXX XXXX I spoke to numerous Exeter representatives about my account to make sure my payments were applied right, as I could see on my account they were not. 

XXXX paid XXXX monthly payment. 
XXXX Spoke to Exeter representative asking for a valid invoice from XXXX, as I had not received a billing invoice that shows my payments & how they were applied to my loan. 

I am being robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My loan servicing transferred to Shellpoint on XXXX. Today XXXX I received an email from them containing a video. Which stated that my payment is due on or before XXXX. Stated at least twice during the video. I still have not been provided a loan number. A link to their website was provided. And guess what you can't get to your loan without a loan number that they have yet to provide. This is essentially electronic harassment, waste of my time and resources, and poor customer service. I can't mail or make my payment online because THEY have not given me a loan number. Despite their choice to email me electronically. And they guide me to their website which I can't access because of their failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
I was contacted by IQ DATA and spoke with XXXX ext. XXXX. At the beginning of the call, XXXX was aggressive when I asked for account details and contact information. Once I expressed my concerns to XXXX, she adjusted her call technique temporarily. She took my financial information for the purpose of a hardship plan. I was placed on hold for an approval and offered me 2 payments for the full balance without anyone knowing this account existed. I questioned how that would be possible with the financial information I just provided to her. She became extremely aggressive and said she has loan companies she can put me in contact with to approve me for a loan to pay off this balance. I expressed to her that that was illegal, she could not offer to place me more into debt. She became extremely aggressive and expressed that she had been a collector for 20 years and other things. I asked for her to transfer me to her manager. She did and I spoke with XXXX ext. XXXX who represented herself as a manager. I ask her if she know what was going on with the account and asked her to move forward. She said I accused her employee of breaking the law and that I needed to tell her how and why because it affects her company and thats why all calls are recorded. I responded yes, but informed her to review the call as it was not my job to handle her compliance I wanted to resolve the debt. She demanded that I explain I continued to refuse. She screamed at me and refused to assist me in resolving the balance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation