vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: MO

Complaint narrative:
I completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67 pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

Transunion : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 monthXXXX XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ XXXX pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking Experian, XXXX  or XXXX  the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months Experian : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months

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 2021-02-12 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: OH

Complaint narrative:
The auto loan company XXXX has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. XXXX was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and Equifax. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
I was notified of the debt of a substantially old account related to Television Service. I disputed the account directly with the agency within 30 days of the original notice of the debt with the agency. I requested verification and validation as required under the FDCPA. The company failed to respond to the request or validate the debt as required and requested. The debt has been reported to the credit bureau and has not been reported or or acknowledged as in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Netspend Corporation
State: TX

Complaint narrative:
Good day, I bought a netspend prepaid card from XXXX, worth {$200.00}, on XX/XX/XXXX, prior to buying the card I made sure it was passport user friendly, once I loaded the card it demanded for a social security number, I decided to contact netspend for assistance. They asked for my documents such as Id billing address and I sent it out to them. A few days later I realised they couldnt help me and therefore I requested a refund, that was said to be processed on the XXXX of XX/XX/XXXX XXXX, XXXX, ( customer specialist ), XXXX, XXXX and many more have not assisted yet send the same email back to me telling me the cheque was sent out and it would take 10 working days. They refer me to the automated machine which will not allow to speak to a customer representative, when i email and tell them it does not work. Once I emailed them telling them I will report this to consumer finance, they responded ( XXXX in particular responded ) by email saying the cheque was sent back on the XXXX of XXXX which is today. I have not received anything from them, and therefore I do not understand why they would say I returned the cheque when I have been waiting it for the past month. Clearly something is not right, and they do not seem to want to send my money back. Please assist me 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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} ( less than 24 hrs later, but different day ) XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 ATM says I have reached my limit for the day, but I have not. 
XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX TODAY- says I have reached my limit for the day, but I have not. 

So, I called the number on the back of the card, customer service rep says that you can only do one withdrawl in a 24 hr period. I mention my withdrawl history of XXXX to XXXX, less than 24 hours and no problems. They have no response. I said so I have to wait until after XXXX tonight to take my next advance then, as that would be 24hrs since my last withdrawl, they say no, I have to wait an additional 12 hours because I am penalized for trying to take my unemployment money out before the initial 24 hr period was up. I said you do realize that this is my money, my unemployment, I use to feed my family and pay my bills right? Unacceptable, i am ready to call local news station.

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 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 approx XXXX XX/XX/2021 approximately XXXX ( after this call I asked them to find the right person, I just ported this phone number 4 months ago ) XX/XX/2021 XXXX they called again, however I have number blocked at this point ( XXXX ) XXXX is the number that CONtinues calling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MI

Complaint narrative:
On XX/XX/XXXX, I mailed certified letters to each credit bureau and confirmation that the bureaus received the dispute letters on XX/XX/XXXX. I was not notified after 30 days there was no correspondence at all from the bureaus. I then sent several more follow up dispute letters on XX/XX/XXXX again there is no update. I am within my rights which has been violated. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not complaint and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes. As you are aware Federal Law requires you to respond within 30 business day, it has now been over that period since the receipt of my dispute letters. Failure to comply with the Federal Regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. Please be advised that this is my THIRD WRITTEN REQUEST after the initial 30 business you've FAILED to respond. The unverified items listed below remain on my credit report in violation of FEDERAL LAW. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have maintained detailed records of all my correspondence with you all. I demand the following accounts be verified or deleted from my report due to your negligence. 

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX- Account:XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX AccounXXXX XXXX-Account:XXXX XXXX XXXXXXXX-AccountXXXX XXXX XXXXXXXX XXXX-Account:XXXX- VOILATION THIS ACCOUNT HAS THE SAME NUMBER A WHOLE OTHER ACCOUNT XXXX XXXXXXXX XXXX XXXXAccount : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/XXXX, with no notice, my bank accounts were locked and restricted at Chase Bank. After several hours on the phone and 2 trips to the local branch I was told it was due to my husband receiving unemployment funds. These funds are legitimate and we provided 20+ pages of documentation. Additionally my own payroll deposits from my employer were questioned and I was informed those funds are being held due as well. No matter what documentation we provide we were informed that our accounts are closed and any funds would eventually be returned to us, up to 4 months. This is crazy when the payments are legal and legit payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a resident of XXXX XXXX. I have not left the XXXX city limits for 4 years. I have a checking account and ATM card with Bank of America. On XX/XX/2020 a debit withdrawal in the amount of {$63.00} was made on an ATM machine at XXXX XXXX XXXX in XXXX, CA. I filed a claim with BofA, Claim # XXXX. After investigation the bank determined that the transaction was not mine and I was credited with the {$63.00} along with the transaction fee. I was issued an ATM card with a new number. On XX/XX/2020, another ATM transaction in the amount of {$68.00} was made at the same address in XXXX. I, again, filed a claim, # XXXX, and was told that after investigation my claim was denied because the transaction was made with a chipped ATM card. This was not possible. I am XXXX years old and been suffering with severe lower XXXX XXXX which limits my ability to walk. I know with all certainty that the new ATM card had not left my possession during that time period. I had not been any more distant from my city residence than 3-4 blocks. And used my card at a few businesses with which I had a long history of use. During the period from receipt of the new ATM card until the transaction occurred, I left my apartment no more than 5-6 times. I have not been to XXXX for at least 20 years. I have never given my pin number to any individual, ever. I received a letter from BofA denying the claim, but which stated that I could request copies of the documents used to reach that decision. Upon requesting said documents I was told that the documents were not available for my viewing. Living on {$1600.00} a month from Social Security, I am ultra careful of my expenditures, and I am always aware of the location of my debit cards, credit cards, ID, and other documents of importance.

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 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
See attached documentation. 

On XX/XX/XXXX, I made an electronic payment directly from my Capital One business checking account to my Capital One Business Mastercard in the amout of {$1000.00}. 

On XX/XX/XXXX, Capital One withdrew an additional {$1000.00} electronically and made a payment through my bill pay to a Capital One Visa card ending in numbers # XXXX. I DO NOT HAVE A VISA CARD AND I DO NOT HAVE A VISA CARD ENDING IN # XXXX. See attached documentation. 

I called Capital One on several occassions to advise them what happened and they told me that the Visa ending in # XXXX was an authorized card which was added to my business account back in XXXX. As explained to these XXXX, I didn't own a XXXX  back in XXXX nor did I have a Capital One Visa card. They added this Visa Account to my bill pay and paid off someone elses bill with my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday, XX/XX/2021, I inquired about opening a Chase First Checking account for my XXXX-year-old daughter. I was told I needed to have a Chase account for myself in order for me to get her account. I opened a chase account ( XXXX ) for myself as part of the steps taken needed. I wrote a check ( # XXXX ) for {$550.00} from my XXXX XXXX XXXX  account to open this new account for myself. 

A few days later I opened up the Chase First Checking account for my daughter on the Chase app. A few days after that, I noticed her account was no longer accessible. On XX/XX/2021, I called to get details on what happened. I was told to call XXXX, option number one. I called this number on the same day, XX/XX/2021, at XXXX and the call lasted for approximately twenty minutes. 

This is when I was told the check I wrote from my XXXX XXXX XXXX  account hadn't been cleared and that the representative made the decision to close my account because she contacted XXXX XXXX XXXX  ( XXXX ) and claimed that XXXX said that check number XXXX, written eleven days prior to the call, would not clear because of lack of funds. 

I contacted XXXX  because I knew the Chase representative was absolutely wrong and did not do her job properly. XXXX told me that check had already cleared and that it was on Chase 's end. This Chase representative gave me false information on why the account was closed. I need transparency and need to know the reason for the account closure. 

I strongly suggest Chase listen to the recorded call that occurred on XX/XX/2021 at XXXX that lasted for twenty minutes. The representative does not know how to do her job, asks questions but does not listen, and should not deal with the public. 

Although, I don't open checking accounts often, I have never had issues with opening, closing, or maintaining my accounts. I am not sure how this looks to XXXX  when a bank closes an account on a customer. The closure was absolutely not my fault. 

Please review my XXXX  documents and the communication between myself and XXXX  that shows the dishonesty of the Chase representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX I was charged double Over Draft Fees of XXXX each. Due to my account being over drawn over night on XX/XX/XXXX. This over draw was wrong because PNC processes my transactions on a unfavtual order to make me over draft before coming current. 

Due to those over draft fees my processing than made a XXXX  cash deposit on XX/XX/XXXX come up short. 

On XX/XX/XXXX I made 2 {$1000.00} withdrawals to XXXX XXXX based on that {$2000.00} cash deposit I made. On XX/XX/XXXX those two withdrawals to XXXX XXXX were also registered as an over draft when everything processed. 

On XX/XX/XXXX I was then given 2 reversals for the XXXX XXXX transactions and then 2 more overdraft fees of {$36.00} each. 

This due to poor processing and lack of fluidity and communication I have been charged {$140.00} in over draft over 3 days. Wrongfully. 

Furthermore I have contacted PNC Bank several times to block over drafting transactions with my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I tried to contact Allied Collections and kept getting transferred out to offers for insurance and extended warranties on vehicles from which I wasnt there to call for. They never gave me notification of collection OR did they try to reach me at any point in time between when XXXX had it. XXXX, on a phone call, verified that they would not send the debt to collections since XXXX dissolved XXXX into the latter, therefore buying out all debt of 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 2021-02-12 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery has been asked to verify these account as mine several times since XXXX. They have removed these accounts however they turn around and update them as brand new collection accounts which is false information. I have been battling these for a year now. They have never verified these accounts. The last time it was updated was XX/XX/XXXX. A 609 letter has gone out several times but nothing happens. 
The first attachment shows they removed the file but it also shows no activity for 2 years. 
The second and third attachment shows the rereporting but again no activity.

Company response to consumer: Closed with explanation