vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is showing that 2 of my accounts with them as being closed. they are showing that these accounts are in Chapter XXXX and /or that they have been discharged. 

These accounts are not in Chapter XXXX and nor has any one of them has been discharged.. 

First they were showing these accounts as being delinquent, but they were never delinquent. The status of these accounts should show that they are open. 

This is my second attempt to get this corrected, but Wells Fargo is playing some sort of game with this issue.

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 2020-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am in need of help. I am on unemployment due to COVID-19 since XX/XX/2020. My first UI payment was a paper check ; the remaider payments will be a RELIA CARD deposit with USBank. 
My relia card did not arrive in the mail. I do not have access to my 16 digit card number, which is required to get usbank help. 
I was on the USBank telephone hold for EIGHT HOURS yesterday and many more hours throughout last week. I have photographic documentation of the time I waited to speak to someone. 
I'm really desperate for the $ 2000+ that the govt has deposited into a reliacard account to help me. Now someone from USBank needs to help me get my card ASAP. 
I have written the XX/XX/XXXXto bring USBank 's issues to the public. i hope this complaint will do the same. 
Again, without a card there is no 16 digit account number to work with.

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 2020-04-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Mastercard issued by Fifth Third Bank was cancelled without ANY notice given whatsoever. Not written, by Email or Phone notification. There was no balance on this card as I have not used in a couple of months but when I went to make a purchase card was declined. Not knowing why, I was unable to contact bank. I only realised after my credit reporting notified me the card account had been closed. Apparently this is the way the consumer is treated by these banks during the worst Pandemic in anyone 's lifetime. It is unconscionable and disgusting way be treated this way. These banks should be ashamed and embarrassed. I can only imagine how they treat their other customers who may be less financially stable then myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Trying to link my card to credit karma and its not letting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: MI

Complaint narrative:
I have payment arrangements monthly with capital one auto financial! 
I have successfully been making payments as scheduled per arrangements! 
However, I been sick since XX/XX/2020 with XXXX and hospitalized with complications! 
Im still off work waiting on income. 
Although my payment arrangements are still being met on time! Capitol one auto finance is continuing to report negative late payments thats hurting my credit scores. I called them to resolve the issue asking for respect and curtesy for XXXX reliefs! 
I was sent to escalation team and I was told to file a complaint that I was still considered late paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Reference : COINBASEs transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX the Company. The funds were transferred utilizing COINBASEs services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am trying to link my account to XXXX  and to XXXX but PNC doesn't allow linking to these 3rd party apps even with my authorization. I do not understand why. I would like to be able to use these 3rd party resources to help manage my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA HAS DESTROYED MY CREDIT. I HAVE BEEN DENIED CREDIT DUE TO UNRESOLVED ID THEFT. See attatched XX/XX/XXXX statement Balance owed {$470.00}. See attatched FRAUD LETTER CLAIM. dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX ( took ONE YEAR TO ** Complete Investigation ) UNAUTHORIZED {$470.00} transactions CREDITED. see attatched XX/XX/XXXX statement USAA ONLY PROVIDED {$59.00} CREDITS. ( **USAA HAS OWED ME {$410.00} FRAUD CREDITS SINCE XX/XX/XXXX & HAS DESTROYED MY EXCELLENT CREDIT SCORE. ** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am currently a XXXX  student, I began school XX/XX/XXXX. I graduated from XXXX in winter of XXXX and i declared forbearance on my loans for as long as possible and noted to the company that i would be attending XXXX  school, yet I have 10 late/missing payments posted on my account for school loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX  and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.

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 2020-04-27 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am trying to get a new card because I lost my American Express Blue Cash Card. However my billing address on the website is outdated and no longer valid. I couldn't change it without the CSV on the back of my card which I don't have. I can't reach American Express ' help support because their online system says I need to reach them to fix this but there is no phone number or online chat option due to a glitchy website. I essentially am denied access to my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The original creditor provided a letter that the information on my report is incorrect. TransUnion 's online system will not let me continue the dispute.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive tried contacting Equifax in regards to this matter I have inquiries on my credit file that I did not approve or do every inquiry on my credit file is incorrect. Ive tried to contact them to remove it. I have a credit freeze on my file so Im unsure on why would any inquiries even appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Transactions of XX/XX/XXXX statement of New Transactions {$470.00}. see attatched FRAUD LETTER of XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} ARE UNAUTHORIZED Transactions. See attatched Transactions XX/XX/XXXX DUPLICATE UNAUTHORIZED FRAUD 2ND TIME {$470.00} New Transactions. ( ** USAA HAS OWED ME {$470.00} CREDITS SINCE XXXX ** ) USAA HAS DESTROYED MY EXCELLENT CREDIT FOR WHAT I DID NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive contacted TransUnion they have 20 inquiries on my credit file that Ive asked them to remove. Im unaware of this information being on my file I do not approve of it and want it removed as soon as possible. I just was released from prison. With no credit history or information Ive tried calling and contacting them but I believe due to the covid 19 I cant get through. Please help.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXXth, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I been trying to link to bank want let me I call bank they say no issue call u guys let u know it wasnt the bank with issue not problem still havent been solved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11.  As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On as many as four separate occasions the payments I made towards my student loans we misapplied to a closed account in my husband 's name. The payments were paid through an online bill system in my name only. The account number was marked on the payments. The bank, the bank account, and the method of payment has not changed in years, so why would random payments be applied towards another account that had been closed for several years? 

I discovered the misapplied payments by accident. I actually opened one of those " payment received '' emails Navient sends after payment has been made. I receive them monthly, but don't open them as the subject line satisfies my need to make sure the payment was received. For some reason, I happened to open the last email they sent out to me. To my surprise, the email was thanking XXXX, my husband, not me ( XXXX ) for payment. This confused me and I began digging. 

I called Navient and their response was ridiculous. Navient acknowledged the misapplied payments. However, Navient claimed the misapplied payments were due to my bank. Navient stated that they refunded the money to me in the form of a check ; no checks have been received. Navient refused to apply the money to the correct account. Navient made it seem as if the misapplied payments were not a big deal because my account has been in forbearance. Yes, but I still make monthly payments to reduce interest. The misapplied payments mean that the interest is higher on my student loans and my taxes are not correct. I made those payments correctly, they applied them incorrectly! 

Dates of misapplied payments : XXXX {$210.00} XXXX {$210.00} XXXX {$310.00} XXXX {$310.00} The issue has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: RI

Complaint narrative:
Putting aside the fact that I've been paying on this predatory loan for about 13 years with minimal balance impact, Nelnet has hit a new low in my opinion. They are providing Covid-19 interest " relief '' until XX/XX/XXXX. Normally, approximately 6 % of my monthly payment goes towards interest. However, I noticed on XX/XX/XXXX they applied over 30 % ( {$110.00} ) of my normal {$300.00} payment towards interest. Basically collecting the interest from the " relief ' period in a lump some. They are deceiving the public into believing they are trying to help when they are not, and restructured my payment without my consent. I would love for the CFPB to investigate mine and other students payment histories. I'm sure it's teaming with examples of unfair or deceptive practices. How long are we going to let companies like Nelnet exploit our youth and trap them in a debt cycle well into their adult years? I've paid so much money to these people, it's sickening. Never missed a payment, yet by balance goes nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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
State: PA

Complaint narrative:
Can't use venmo can't add a new card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld systems inc located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the XXXX XXXX  debt that I have tried resolving with XXXX XXXX but they never called me back, this Transworld system is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.

Company response to consumer: Closed with explanation