vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so

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 2021-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
A payment was made to Nordstrom Credit card on XX/XX/XXXX for {$500.00} dollars for XX/XX/XXXX payment. The payment was processed for XXXX instead. Which showed a double payment in XXXX. 
Upon calling Nordstrom I was told by a rep the money would be refunded to my bank account so I could make the payment again and have it processed on a different date. 
The {$500.00} payment was not reversed or refunded! When I reached out to Nordstrom after waiting for more than week they then shifted the information! 
The credit agency has more than enough options to fix this and they are not! 
My account is paid on time every month properly. 
They would not change due date or accommodate the issue they stated would be corrected!

And I was advised by Nordstrom to contact bank and lie, like this is crazy.

Easy fix being made more difficult

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank took over the CD 's I had with XXXX XXXX XXXX. When 5 of the 10 CD 's matured on XXXX XXXX, 2021, I called US bank and told them I was calling about the matured CD 's. After they told me the going interest rate, I told them to send me the CD 's. Not only were the matured CD 's sent to me, but also the 5 unmatured CD 's. When I received the checks that had not matured, I immediately called and asked what could be done. I was told to not cash the checks, but to return them to the Customer Care Unit at the following address : US Bank 24 Hour Banking, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was also told to include a note requesting the CD 's be reopened ( which I did ) and they would reopen the CD 's retroactive to the date closed. I started having conversations with XXXX XXXX XXXX phone number XXXX ) from the Customer Care Unit on XX/XX/2021. To make a long story short, she has since told me the XXXX 's should be able to be reopened ; on XX/XX/2021, she verified the checks had been received ; and on XXXX XXXX, 2021 she told me her manager ( who I later was told, by another US Bank person, was XXXX XXXX -- phone number XXXX ) was personally working on it and I should hear from her within a few days. Since XXXX XXXX, 2021, I have called XXXX 7 more times and her manager XXXX ( starting XXXX XXXX, 2021 ) 3 times asking each of them to call me and neither will return my calls. I have also called US Bank since I am not having my calls returned and gotten different representatives. One representative ( on XX/XX/XXXX ) emailed XXXX asking her to call me and another one ( on XX/XX/XXXX ) said they talked with XXXX, who told the representative to tell me she would call me in about 45 minutes, which she never did. On XX/XX/2021, which was the last time I called XXXX, I left a message telling her I was losing my patience and would have to try something else to get a response. On XX/XX/XXXX, I again called XXXX and left a message saying that since it doesn't seem they will be able to reopen the CD, I wanted to know what I needed to do to get my money back. I still have not received a call.

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 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my wallet was stolen. Inside this wallet was a XXXX XXXX XXXX ATM Debit Card administered by Fifth Third Bank. I notified the bank the same day. I also froze the card at the bank website. When 3 unauthorized transactions appeared, totalling approximately {$180.00} on XXXX/XXXX/21, I asked the bank to remove them. They gave me a phone number for " disputes ''. I called the number and provided the information related to these transactions and the last legitimate transaction before them. 

Approximately 45 days later I received a letter with the results of the bank investigation. They said they found no merchant misconduct, the transactions will remain charged to my account and this action is final. I never claimed merchant wrongdoing. I SAID THAT MY WALLET WAS STOLEN! 

I would like the bank to return the approximately {$180.00} back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MAJR Financial Corp
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It is beyond their 30 days investigation time so these items should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date over 45 days later I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their investigation time so these items should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these inquires be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX, Capital One bank froze my checking account # XXXX. I called their fraud line and they said it was because of a XXXX investigation from a deposit in XX/XX/XXXX2021. They requested my XXXX taxes, which I provided to them. They did not provide the PPP loan I received ( XXXX XXXX did ) and they couldn't direct me to the policy in my deposit agreement with them to show me their legal right to freeze my account. They also could not provide any policy or direct information showing their directive from the SBA, which allowed them to do this, without any prior authorization. I now have no money to pay my rent, my car payment or feed my 3 children, because my account is in the negative. They also have taken the funds I did have in the account to offset the PPP loan amount. I have read this has been happening with other people, besides myself and I would like to know exactly what authority there is to have this happen to me, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CA

Complaint narrative:
Along with a copy of the Identity Theft Report, I have also enclosed copies of my Drivers License, Social Security Card, and Utility Bill for your reference. 
The law clearly states your Civil Liability under FCRA Section 616 & Section 617 in case you fail to comply with the Federal Law. Moreover, I intend to enforce my rights under the FCRA and to pursue rightful litigation in this matter should you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I get periodically unclaimed property award checks periodically from The Michigan Department of treasury unclaimed property division. XXXX XXXX XXXX XXXX Michigan XXXX : ( XXXX ) XXXX. ( XXXX ) XXXX ( XXXX ) XXXX. The successfully electronically deposits the checks periodically into my Chase Bank account successfully. But immediately as it's deposited it's stolen. After it's stolen it's replaced with a counterfeit check that looks exactly like it but it's a fake. I was spending the money from the fake for almost 3 years until I spotted the fake. I then completely complained. The unclaimed property award check is : State of Michigan PMT/Refund PPP ID : XXXX. XXXX. XXXX {$42.00}. This is how it's read on my bank statements. The original looks exactly the same. But the original deposited is stolen. Please investigate and help me get the original unclaimed property award back again. My bank 's name is Chase Bank. Complains number or customer service number is : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I disputed an illegal international charge with Chase Credit Card. Next thing I know they closed both of my Chase Cards and sent a letter advising me as to why. Inappropriate behavior by chase bank with no notification, no legitimate explanation and no credit card available for my use while traveling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When I was XXXX years old I opened my chase account. My uncle at the time was investing into cryptocurrency and wanted to help me also so we signed up for XXXX and this should be around XXXX. XXXX had some issues and I'm not sure why but I can blame it on XXXX, but this caused a dispute and chargeback and then later on chase cut relationships with me. I learned it was crypto at the time due to research on XXXX and XXXXXXXX and XXXX and similar complaints at the time and they refuse to tell me the reason. I got a offer in college during XXXX to open a chase checking account in the mail so I opened a account got the XXXX skin card. In a few days my account was closed I was so upset and they keep sending emails about my credit score and things as if I have a open account monitoring my credit. I tried to fix the issue during covid 2020 again over the phone and they never followed up because I was asking what can be done to fix this issue and do I owe a balance for the crypto charge back and my family bank with them and I want to also and I don't mind to start paying off a balance or do something to bank again with them. I want them to understand I was young and didn't know they are not fond of Crypto at the time even though they don't want to acknowledge that. I simply want my checkings account back and to go about my life and I was told so many things, try in a few years which I did, this happened at XXXX years of age now I'm XXXX going onto XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I have contacted Rocket mortgage via phone on XXXX/XXXX/21 and XXXX/XXXX/21. I emailed them on XX/XX/XXXX21 and XXXX/XXXX/21. I also mailed a letter to them sometime last week requesting that they remove my PMI because I am at 78 percent LTV and it has been at least 2 years that I have had the loan. The Home Owners Protection Act of XXXX as well as section B of my closing statement says I have the right to cancel my PMI. As of today my LTV is at 75 percent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
Dear Sir, Madame, Due to coronavirus/pandemic I was protected under the mortgage forbearance. I have noticed that my credit report has been seriously damaged with negative late payment reporting by my mortgage servicing provider AmeriSave. 

I would appreciate if you could kindly fix this as it was protected by law that consumers would not be negatively impacted when entering into this government program.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted 4 separate disputes with TransUnion and 5 Disputes with XXXX regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.A.. XXXX XXXX XXXX agency has had 17 different occasions to produce such documentation if they had any, I have yet to receive and such contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report. If XXXX could not verify this account per the F.C.R.A, How are TransUnion and XXXX doing so? XXXX took this account out of collections and simply tried to close the account, hoping that i would not notice, I contacted them over the telephone as well and I got disconnected on XXXXwo times, and when I finally got someone on the line, they refused to help me. 

XXXX XXXX XXXX  - which I have an active credit card with, XXXX XXXX XXXX - 3 letters, XXXX - 5 letters, TransUnion - 4 Letters XXXX - 5 Letters

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received the following text message from this number XXXX ( XXXX ) XXXX pretending to be Citibank. 

Citi-Bank Alert : We have confirmed your recent telephone request to change your Online User ID. visit XXXX XXXX XXXX to report this action. 

Of course I ignored it. Please investigate this scammer. Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXXXXXX, my father has been sending automatic payments to me using Cashapp. Unfortunately, the cash account he was sending to was no longer in use. unknown to me, when I updated my cash app name XXXX and updated my phone number, this set up a new account. Because my old account was set up for an instant deposit to my still in use and current bank, I thought nothing of it. Also, my current cash app account, indicates that I joined in XXXX which is the join date under my old cash app name. I would have not thought my update created an altogether new account. It wasn't until my father inquired with me if I had been receiving the money he was sending that we realized that it was going to the old cash app handle name. When I reached out to the cash app regarding this issue and after several emails, their only resolve for me was to inform me that my old account had a zero balance and my only option is to shut down my current account and regain access to the old one. I then had my father confirm with his bank that the funds he had been sending since XXXX, were and are in fact being sent to Cashapp. It has been upwards of 30 days and no one at Cashapp can tell us where my father 's money is or has gone. We are seeking assistance in tracking the funds and returning these funds to the initial sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
Consumer Portfolio Services of XXXX XXXX XXXX. XXXX XXXX, XXXX, C.A. XXXX has been contacted numerous times, starting from XXXX of XXXX until this date, in regards to a closed charged off account. This account is showing a balance of {$10000.00} and it should not be showing a balance sine the account is charged off. There has been numerous account changes since XXXX of XXXX made on this account. Sometimes it reports as still open then it changes back to account closed and charged off.

Company response to consumer: Closed with explanation