vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
My XX/XX/XXXXunemployment Reliacard was issued by U.S Bank. On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I had no access to my card or money. There are {$3100.00} were used in XX/XX/XXXXBut I live in XX/XX/XXXX and have never been to another state and was in college. However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. Please help me with my unemployment money.

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 2020-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. XXXX XXXX  XXXX HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from XXXX XXXX from PREVIOUS federal complaint. XXXX XXXX XXXX  are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, XXXX XXXX  XXXX purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; XXXX then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) XXXX XXXX  XXXX then fires XXXX XXXX. as their foreclosure attorney and then hires Aldridge Pite LLP as of XX/XX/2020. XXXX does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. Aldridge Pite LLP will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( XXXX XXXX  and Aldridge Pite LLP ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. Aldridge Pite LLP are aware of the laws that govern Georgia Foreclosures. I would like Aldridge Pite LLP and XXXX to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a debit card from USbank without requesting an account. I do not need this card ( ReliaCard ), as I dont qualify for any government assistance, nor did I give them permission to open an account on my behalf. They seem to have my personal information. No one will answer any of the numbers, but put you on hold for hours. The USbank reps say they cant help with ReliaCard. I want to close this account, but by not answering my call, they are refusing. The paperwork says they can begin sharing my personal information within 30 days. The only way I can stop them from sharing my information is by activating my card with a CONFIRMATION of my social security number and PIN. 

This is an unfair business practice! 

Please help me cancel this account.

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 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
Hi, I have made extra payments so that I could knock down my Mortgage principal amount, but this mortgage company is posting the extra payments towards future monthly payments instead of applying them towards my principal. For example, the extra payment I made in XX/XX/XXXX, they are applying it to the mortgage payment for XX/XX/XXXX ( instead of applying it to my principal amount ). I called them to complaint about it, and asked them to apply my extra payments towards my principal instead of applying them to future monthly payments, they promised to fix it, but they did not fix it. In my opinion, they are illegally holding my money and making extra interest income from it instead of knocking down my mortgage principal amount. Here is how the payment history looks like : XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$980.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$900.00} {$0.00} {$0.00} {$0.00} {$0.00} {$900.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$610.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$2000.00} {$0.00} {$0.00} {$0.00} {$0.00} {$2000.00} XXXX XXXX {$0.00} {$0.00} {$0.00} {$1400.00} {$0.00} {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: OK

Complaint narrative:
I have a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. Equifax and XXXX XXXX didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
1. On XXXX XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX. 
2. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
After reviewing my credit report I found an account in collection that I have no knowledge of. This was either a result of error or malpractice.

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 2020-11-16 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: MS

Complaint narrative:
on XX/XX/2020, I mailed a letter requesting that inaccurate information listed on my credit report be verified. It has been over two months now and I still haven't received any results of an investigation and these inaccurate accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
There account Reporting from DISCOVER FIN SVCS LLC is all ready paid. Can you please help me remove it, is affecting my credit Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had XXXX since XXXX and was in the hospital on life support until mid XXXX. By the grace of XXXX I survived. In the mean time, my husband was trying to contact my creditors to let them know. He did not have my SS # or accounts numbers, only my name, DOB which is XXXX and Ph #. Amazon my account ends in XXXX was one of the few creditors that would not even talk to him because he was not authorized on the account. My husband said, they would not even look up an account because he told them he had little info and was not on the account. I finally was able to call Amazon Last Friday XX/XX/20. I spoke with a Supervior after getting the run around that Amazon stopped offer help to COVID impacted people on XX/XX/20. The supervisor understood what occurred and waived two late fees and told me if I pid {$39.00}. He took my payment of {$39.00} by phone! My account still shows {$100.00} past due! I WOULD NOT BE REPORTED AS PAST DUE TO THE CREDIT BUREAUS!!! Well guess what. I get a notice today I was reported as past due!! They need to fix my credit reporting ASAP!!! It is not my fault they would not talk to my husband and give me help on my account when he clearly called before they stopped offering help while I was on life support!!!

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 2020-11-16 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 VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.

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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Between XX/XX/20 and XX/XX/20, Huntington Bank charged my account a total of {$720.00} in Insufficient funds fees. When I called the only customer service number offered, I explained my financial hardship because of the fees, I'm a single mother with only 1 income, and the fees are causing further financial harm ( {$720.00} is half of a months rent, or a car and electric bill payment! ), they apologized, said they can only refund {$150.00} of the fees and sent me on my way. I have yet to find another way to dispute the fees with Huntington directly. I asked for the fees to be refunded so that I can pull myself out of the financial hardship I am experiencing due to Covid 19 setbacks, and the bank declined. The fees are exorbitant and causing myself and my children to suffer unnecessarily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in XX/XX/2012 I co-signed a car for my ex wife. She began making late payments on the account two month later making the first day of delinquency XX/XX/2012. According to the Fair Credit reporting act the length of time that a collection account may remain on a consumer credit report is 7 years and 180 days from the 1st date of the delinquency. Therefore the account XXXX XXXX showing a balance of {$7600.00} needs to be removed. This creditor is not properly reporting all dates of delinquency preventing the delinquent report from being removed from my consumer report. Violating the 7 year Fair Credit act statue.

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 2020-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, ALLY FINANCIAL , INC add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and 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 2020-11-16 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: OH

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XX/XX/XXXX Here are the requested documents to remove my credit freeze so I can reset my Experian account and take care of my financial business.

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 2020-11-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am reaching out in response to an account error that has impacted my credit score greatly. I am currently in the process of buying a home, so my credit is very closely monitored at this time, which is how I received notification of this error on XX/XX/2020. 

In XXXX this year, I called the XXXX visa card customer service to set up automatic billing. I was transferred to another employee because the initial employee said he did not have the ability to set that up for me. The second person said she was able to set up automatic billing for me. She helped me pay my balance down and set up my payments using the card I have on file. 

I found out yesterday from my credit report that the payments showed 3o+ days late as of XXXX. When I reached out to the XXXX Visa card customer care line, a gentleman let me know that the automatic payments were only set up for the following month ( XXXX ), but not set up for payment past that month. However, the employee that I spoke to in XXXX communicated to me that they had in fact enrolled me in the automatic billing, so I assumed the funds would continue to be auto-debited out of my account as they were for both XXXX and XXXX. He suggested that the employee must have " miscommunicated '' to me. On XX/XX/XXXX, I ended up paying off my entire balance because I can not risk an error like this happening again. 

This error has dropped my credit score 15 points, and I am closing on my new home in XXXX, so I wanted to reach out to try and resolve this issue. 

I spoke to several employees to see how we can mediate the issue, but all three suggested that they could do nothing, so I wanted to escalate the issue for mediation. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: AL

Complaint narrative:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

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 2020-11-16 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: AL

Complaint narrative:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: AL

Complaint narrative:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

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 2020-11-16 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
1. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/XXXX, CONSUMER PORTFOLIO S add a hard inquiry on my credit report per XXXX and XXXX.

Company response to consumer: Closed with explanation