vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I disputes Net credit account credit account which is over seven years on my XXXX credit reports and XXXX said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Net credit keep reporting inaccurate information on my account and they need tot stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/2021 BMO closed my checking account. They sent my account over to XXXX XXXX. They made a mistake and sent me {$200.00}. I opened up my account when there was a {$200.00} bonus and was unaware that they made the mistake. Now they a making me pay back a fee for over charge that I disputed. Instead of working with me to refund the account they closed my account. And charged me the {$160.00} that I spent. They forced money into my account. I spent some of the money because I truly thought that I was eligible for the promotion. At one point they had me owing more than $ 50K why would I fund an account with the {$160.00} if my account was that far negative. In my community a few extra dollars means buy something for yourself. I am a single mother. I usually cant afford to buy things outside of our budget for regular household items. So when I got an extra {$200.00} I thanked the XXXX for it. I didn't know this was not my money why would BMO put it into my account if it wasn't mine. They caused me to think that I had money that they owed me. I opened up the account during their {$200.00} promotion. Now they close my account and charge me {$36.00} for their mistake all because I sent a complaint about it with this organization. Typical corporation abuse. They are making me suffer more because I made a complaint to this location. My funds from the XXXX tax credit for kids from the latest stimulus package is set to hit that account. Now it wont and BMO can pay for that delay.

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 2021-06-05 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: Self Financial Inc.
State: VA

Complaint narrative:
I dispute XXXX XXXX banks for reporting inaccurate information on my credit report and all the bureaus said it was verified. 
I was trying to get XXXX XXXX and was rejected for negatives information my account.I am trying to get a job and can not because of this account being report negative. This account was secured and the company took some of my money as fees before closing it. 
They should deleted or report it as paid with no late payment or any negatives on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. On XX/XX/XXXX I filed a dispute with my bank at the time which was capital one, I had a 360 checking account the dispute was related to an unknown XXXX transaction that I had been trying to get back since XX/XX/XXXX ... the bank placed an hold on my account & sent an email stating for me to contact them, when I received the email on XX/XX/XXXX @ XXXX XXXX  I immediately called them at the number listed XXXX, when contacting them I got in touch with a representative who asked me about the dispute, which I had canceled once the person sent back the funds, so capital one never issued me any money from this dispute. I then explained the events that occurred & after explaining the representative stated that my account would be closed & I will receive a check with the remainder of my funds, this was Tuesday XX/XX/XXXX. On Wednesday I called again XX/XX/XXXX to see if the check had be sent, I then got transferred & the line got disconnected. On Friday XX/XX/XXXX I called at about XXXX XXXX  disconnected twice before actually being transferred, to someone who stated that the account is not closed yet, there has to be an overview to make sure all claims are closed, the agent then checked & stated there are no open claims and he would note for the account to be closed possibly by Monday, I then asked is there a way I can transfer the money to my new checking account he stated no I would have to wait until the check is mailed out ... I then became upset stating that I only have a {$500.00} credit card and my bills will become due within a couple of days and I have no other funds to pay with, & that they didnt care because it isnt their self in this situation .... CSR customer service representative then said he would try to expedite the issue. On Friday my paycheck was also deposited into this 360 Capital one checking account ; literally leaving me with XXXX $ on my credit card that I now how to make stretch and hoping the account doesnt closed due to not being able to make payments until this account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TX

Complaint narrative:
Ive tried to call them about the inquiries as well as the XXXX debt that i paid and submitted proof of and other debts that dont belong to me they have not respond its been over 3 months of constant calls and notices sent to them

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 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was about to withdraw my money in PayPal and my request got rejected, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Federal Savings Bank put a freeze on my checking account without any notification. I discovered this Friday XX/XX/XXXX when I was trying to use an ATM before an salon appointment where I needed the cash. 

They disable their mobile app on my phone. The rerouted my calls to them to an automated message telling me to call back on Monday. I called them with my boyfriend 's phone and low and behold I got to take to a human who was incredibly rude and would not tell me what was going on. 

I've had to cancel all plans that required cash, so no farmers market this weekend. I have a rent check out that hasn't been cashed yet that I'm worried will bounce. 

There is absolutely no unusual transactions in my account. Just the same deposits and checks that I have done monthly for years now. It takes two paycheck cycles to change my direct deposit. 

This is abusive and distressing and a huge waste of my time. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
So I have this Caine & Weiner collection for XXXX  it reported XX/XX/2021. I know for a fact its not mine. Its hurting my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: GA

Complaint narrative:
Experian is persisting to report an inaccurate bankruptcy on my credit report. On XX/XX/XXXX, they did not allow me to dispute the bankruptcy account because I had previously disputed this error. I have since received a response from XXXX the furnisher of the inaccurate information that the account has been deleted/removed. Experian is in violation of the FCRA in the act of continuing to report inaccurate information on my credit report. I even submitted the XXXX correspondence stating this bankruptcy has been removed. Unfortunately, Experian is not abiding by the FCRA rules and guidelines. The CFPB has the correspondence from XXXX, proving this bankruptcy has been deleted/removed ( Per XXXX ). Experian must delete this inaccurate account, and all accounts associated with it.

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 2021-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I haD recently applied for a personal with XXXX XXXX AND A5 FIRST I MET THE criteria was about to finalize the loan then they sent me an email stating I dont fit the criteria anymore which I know I do. Im gainfully employed my credit score matches. The only reason I suspect it was denied was because of my nationality. When my other friends who are of a different race went in recently and gotten a loan through them never questioned their credit score they are behind in their mortgage credit payments etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Kentucky Higher Education Assistance Authority
State: NJ

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I XXXX XXXX XXXX am a consumer of the United States. CAPITAL ONE ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of CAPITAL ONE harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but CAPITAL ONE insists on violating my federally protected consumer rights under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I disputes Salie mae account credit account which is over seven years on my credit reports and the three bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Salie mae keep reporting inaccurate information on my account and they need tot stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I ordered a secured credit card back in XXXX of 2020 and never recieved the card, I tried to reorder but due to my phone number having changed they could not verify me. So i went to order a new license from oklahoma state. The wait is 6-15 weeks for a driver 's license to be mailed. My DL was never received so i denounced my DL to obtain an AR ID. Now Capital one is denying me access still even though I stated my information had updated and i was trying to reorder my card i never received, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I disputes XXXX XXXX account credit account which is over seven years on my credit reports and credit bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Barclays keep reporting inaccurate information on my account and they need to stop reporting this inaccurate information to credit bureaus.

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 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion will not correct personal information which is inaccurate and incorrect. 
TransUnion has an incorrect address. I have written several times to remove this address and nothing happens. They are aware of what I request.

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 2021-06-05 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: NJ

Complaint narrative:
I filed a dispute on XX/XX/21 well over 45 days and no investigation results have been provided,.

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 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I already hard a regular Prepaid card and got a offer for a credit card had no balance I got paid on my regular card and transferred my money onto the repair credit card! And now they said it was a credit they gave me I have proof on the statement saying that money was transferred from my regular Prepaid chime card! I tried to dispute this on XXXX but they won't change it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My statements are claiming I have not made any payments. I was sent two XXXX statements. The second statement claims I have made no payments and now I have received a XXXX statement showing I owe a double payment. This happened last year and after the bank rejected all of my complaints and held by their claim ( about six months of back and forth ) it took two better business bureau complaints a filing with the Consumer financial department to finally resolve it.

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 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I can not get them to remove my fraud alert. 
I would like for them to REMOVE the fraud alert from my credit file 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 non-monetary relief
Consumer complaint received 2021-06-05 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: NJ

Complaint narrative:
I filed a dispute on XX/XX/21 well over 45 days and no investigation results have been provided,.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is now my second time filing a complaint on chase and the account was opened on XX/XX/2021 and was locked the next day for suspicious activity ; I went to the branch and showed a copy of my drivers license and social security card. I was in the branch for over a hour and my account access was restored. On XX/XX/2021 after leaving the branch around XXXX XXXX my account was locked again and after calling chase four times I finally was able to get a representative that could fix it. Now here it is XX/XX/2021 and after I opened a business checking account earlier in the morning my account was once again locked for suspicious activity and I have no access to use my money. I'm tired of this and it's ridiculous at this point and I'm getting a lawyer involved unless my account is restored because there is no reason for this at all. All funds have been verified and there are items I actually paid for by other means that needed to be disputed that I now can't because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: FL

Complaint narrative:
I would like to the following child support account removed from my credit in cooperation with law 15 US code 1681 B : permissible purpose. 

-Child Support EnforcementXX/XX/XXXXxxxx XX/XX/XXXX -Child Support Enforcement XX/XX/XXXXxxxx XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I XXXX XXXX XXXX am a consumer of the United States. XXXX XXXX ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of XXXX XXXX  harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but XXXX XXXX insists on violating my federally protected consumer rights under title XXXX chapter 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 2021-06-05 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: IL

Complaint narrative:
I XXXX XXXX XXXX am a consumer of the United States. XXXX XXXX ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of XXXX  XXXX harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but XXXX XXXX insists on violating my federally protected consumer rights under title 15 chapter 41.

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