vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
XXXX XXXX has been sending me a bill for months about something that has been paid in full on XX/XX/2020, according to my health insurance. He is using Capital Accounts to seek to collect a false debt that has been paid already. 

My concern is that they won't stop calling me on the phone and my health insurance called XXXX XXXX and he said he did get paid and he would contact them to stop harassing me for the amount that has increase now to XXXX dollars. But he lied and the calls kept coming. In a recent phone call with the insurance company listening to his every word, he said I was irresponsible because I have not paid this bill. 

Sadly, Capital Accounts is getting an attorney to come after me for this false debt. The XXXX dept at XXXX XXXX XXXX said that XXXX XXXX was paid once and he was trying to get paid more that once for the same visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unable to login into my account. No matter what information I enter I am locked out.

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 2021-01-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have discussed these accounts for more than 30 days and I do not receive answers, this is affecting my credit report and my peace of mind.

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 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Today- XX/XX/2021. Someone hacked my cash app account after my stimulus check was deposited. I received emails telling me my email and phone number had been unlinked from my account. Right after. I received an email telling me my stimulus check had been deposited to my cash app. I have no way of getting into my account. And when I contact cash app support they are telling me they cant help me. I am a single mom of XXXX who does not get child support. I really needed that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TX

Complaint narrative:
I have discussed these accounts for more than 30 days and I do not receive answers, this is affecting my credit report and my peace of mind.

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 2021-01-05 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: TX

Complaint narrative:
I have discussed these accounts for more than 30 days and I do not receive answers, this is affecting my credit report and my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TX

Complaint narrative:
I have a charge off reported on my Equifax and XXXX  credit report with the company XXXX XXXX XXXX. This company charged off a car loan I had in XXXX. The car went to a repo lot where XXXX said I could pay fess, pick up the car and continue making payments. I did that because I needed a vehicle. Well in XXXX, I was late paying and the car was picked up and sold. I thought my payments were being reported, but the credit bureaus were only reporting charge off. 
This company is in litigation and is a deceptive lender. 
I disputed my credit report and requested a deletion of this account based on wtong payment history, balances. terms. date of last activity. 
XXXX  and Equifax both validate information somehow and nothing changes. I do not even get a written reply from either credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I used my card at a bar where they have charged me {$130.00} instead of {$30.00}. I tried to dispute the charge with the bank and the bank keeps declining it. 

I have not saved a copy of the receipt. I asked the bank that they ask for the copy from the merchant as I am quite certain that the merchant would not have it as it doesn't exist and they wouldn't do so. 

The bank denial letter clearly says that I can request the documentation that the merchant provided and they used to resolve the dispute, so I called the bank and asked for it and what they sent me in response was a credit card statement I have never had this issue with a bank where they would side with merchant in resolving a dispute without proper documentation. 

I tried to contact the establishment many times as well with no luck. So I really need help. 

Thank you very much.

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 2021-01-05 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: TX

Complaint narrative:
I have a charge off reported on my XXXX and Experian credit report with the company XXXX XXXX XXXX. This company charged off a car loan I had in XXXX. The car went to a repo lot where XXXX said I could pay fess, pick up the car and continue making payments. I did that because I needed a vehicle. Well in XXXX, I was late paying and the car was picked up and sold. I thought my payments were being reported, but the credit bureaus were only reporting charge off. 
This company is in litigation and is a deceptive lender. 
I disputed my credit report and requested a deletion of this account based on wtong payment history, balances. terms. date of last activity. 
XXXX and Equifax both validate information somehow and nothing changes. I do not even get a written reply from either credit bureau.

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 2021-01-05 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: Synovus Bank
State: FL

Complaint narrative:
I received a bill for {$40.00} due XX/XX/XXXX. The payment was made by my bank ( via autopay ) on XX/XX/XXXX. The payment has not been posted to my credit card account and {$51.00} ( {$40.00} + past due amount {$11.00} ) is showing for next payment due on XX/XX/XXXX. This company is not set up to receive phone payments or online payments. You are directed to make payments via bill payment with your bank. It seems this puts the consumer at a disadvantaged for this bank to benefit from late fees charged on untimely posting of a consumer payment. It's impossible to reach them by phone. You are directed on their website to contact them via mail. Please investigate their practices concerning fees and posting of payment. Thanks for your help in this important. I do not want this incident to adversely affect my credit with the bureau. Especially, in the midst of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: VA

Complaint narrative:
Over 40 days ago I submitted a dispute with this company and have not received a update of any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

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 air Credit Reporting Act, 15 USC sections 1681i 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 statutes. 

CAPITAL ONE BANK USA XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i 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 statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: PA

Complaint narrative:
THE FOLLOWING ACCOUNT LISTED BELOW ON MY REPORT IS FRAUDULENT XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2016 2016

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 2021-01-05 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: VA

Complaint narrative:
Over 40 days ago I submitted a dispute with this company and have not received a update of any investigation results.

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 2021-01-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Over 40 days ago I submitted a dispute with this company and have not received a update of any investigation results.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Tel/fax : XXXX Email : XXXX XXXX : Navient XXXX XXXX XXXX XXXX, PA XXXX Tel : XXXX / Fax : XXXX My Navient Federal Student Loan Acc't # XXXX On XX/XX/XXXX U.S. Congress decreed that federal student loans be subject to interest freeze and repayment forbearance until XX/XX/XXXX, but Navient is unlawfully reporting on my credit reports that I'm delinquent in repayments ; Tell Navient to cease such unlawful reporting and confirm by letter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: GA

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Please someone help me! Approximately 6 months ago I was advised to apply for an SBA loan which my family friend did on my behalf. I did not fully appreciate what it meant and should have never received the money. Ever since then I have called TD Bank dozens of times to give the money back and restore my account. For the last 6 months Ive called dozens of times to the SBA and TD Bank and no one can solve this for me or provide a competent answer. Months ago they said they were going to give the money back so I can live on with my life. TD Bank froze my account and somehow has flagged me and now I cant open an account anywhere else. Ive applied to open accounts at other Banks like XXXX and have been denied. I just want to give the money back and be able to live my life. I am XXXX, single mother, and a XXXX  and I am just trying to make ends meet. TD Bank is taking advantage of me in the fact that Im a minority and they are being unfair and very deceptive this should have been solved months ago. And now with the second stimulus, my friends have received it and I have no idea how or if I am able to get it and I need the money to put food on the table for my kids. I just dont know what else to do other than go to the Media or the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T BANK MORTGAGE XXXX XX/XX/2008

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 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
I am having trouble with Rushmore Loan Management.Received syatement that loan payoff was $ XXXX.Now they say I owe about {$12000.00} more in fees and deferred interest.Have asked for explaination but never receive it.With no explaination payment just went up {$140.00} a month.They say due to escrow shortage. Can not get written explaination.This has been six month process.XXXX  XXXX. ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On Monday XX/XX/2021, my wife noticed that our checking account from PNC Bank, XXXX, was overdrawn in the amount XXXX $ and change. This prompted her to contact the institution. She spoke to a gentleman who said that he went and checked for 5 minutes came back and said " PNC was covering the overdraft fees and we had 30 days to cover the difference account. There would be XXXX $ in the account XX/XX/XXXX. ". Instead she woke checked the account on the XXXX and the overdraft had grown to XXXX $ and change. This seems contrary to the way our account should work. We have opted out of overdraft period. The account used to not allow us to debit more than we had. My wife was operating under the impression that she would not be allowed to overdraw at all, the way the card used to work. We would like what XXXX is supposed to do. Please try to reclaim our overdraft fees at least. I understand that we mad a mistake by not keeping an accurate ledger but, the card used to shut off when we were broke. We're not very financially savvy but, this seems predatory. The dates of the fee are as follows, XXXX $ four times on the XXXX of XXXX totaling XXXX XXXX Obviously, since we did overdraw, we feel the responsibility to pay the overdraft but, we are not supposed to be able to even overdraw. We would have never bought a thing beyond what we could afford. We thought our account would stop at XXXX XXXX Have regulations changed? This didn't happen 4.5 years ago. Please help us any way you can. This was an honest mistake my wife made. Why were we allowed to overdraw when we have opted out? This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Credit bureaus and jpmc are reporting inaccurate information such as amounts, terms, and date of last activity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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:
Credit bureaus and jpmc are reporting inaccurate information such as amounts, terms, and date of last activity

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i 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 statutes. 

XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/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 2021-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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