vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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:
XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip  2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX  plcc

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 2020-05-20 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:
XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip 2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
this has nothing to do with bounced fees. its all about loyalty during a rough time. Specifically I have been a customer of WF for many years without a hitch. that means. I have not bounced and have followed the rules. Even was a victim of unauthorized accounts being opened. All i want is my account ending in XXXX which was closed re opened so i can use it I asked for FREE checks for it and was denied despite COVID and despite my long term loyalty. I also would like FREE plain checks for account ending in XXXX one I have held for many years without a problem and with loyalty. please help me without a script and for once show loyalty. PLEASE I am cynical enough.

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 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: VA

Complaint narrative:
1 - On XX/XX/2020, my wife and I applied for a cash-out refinance with SoFi. The same day, an initial loan disclosure was provided. 

2- On or about XX/XX/XXXX, my wife and I elected to change from a cash-out refinance to a regular refinance. An updated loan disclosure was provided on this date. Closing was scheduled for XX/XX/2020. 

3- SoFi was unable to meet the XX/XX/XXXX closing as the loan was still in underwriting, and on XX/XX/XXXX, the final closing disclosure was sent to us for review. On this disclosure only 5 items were listed in section B of closing costs. The closing date was scheduled for XX/XX/XXXX. 

4- On XX/XX/2020 ( one day prior to scheduled closing ), SoFi sent a new final closing disclosure, but added 2 additional fees ( now added as fee line item 6 and 7 ) that were not on the last loan disclosure from XX/XX/XXXX. Upon review, these closing fees were not as a result due to a change in circumstance, and the company representative responded that the fees were added into the closing disclosure because they inadvertently omitted them from the last disclosure document. As a result, closing costs increased overall by approximately 15 %, and was provided only the day prior to closing, shortly before close of business. I have requested the SoFi rectify this prior to closing, but as of this writing, no action has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: NV

Complaint narrative:
I own a VISA gift card purchased at giftcards.com. A fraudster stole my account # and used it to charge {$350.00} worth of XXXX gift cards for himself at XXXX. I wrote and called both giftcards.com and XXXX trying to resolve this and neither will refund my money. XXXX simply does not respond at all to anything since corona, and giftcards will not allow me to file a dispute because it took me 75 days to notice the fraud and they have a strict 60 day policy, despite the fact that giftcards generate no monthly statements so i could not have been aware of the fraud until i next tried to use the card, which took 75 days to happen. i have copies of the letters i sent to both XXXX and giftcards, as well as the email reply from giftcards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from Equifax, XXXX, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Payment Due date is XX/XX/XXXX I paid off my credit card on XX/XX/XXXX. 

XX/XX/XXXX I was charged interest, XX/XX/XXXX I received a late fee on the interest not paid on XX/XX/XXXX and on XX/XX/XXXX I was charged a minimum charge fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TX

Complaint narrative:
I paid oof my XXXX credit card and closed the account. The company refuses to close my account. My credit reports I owe them XXXX as shown on my credit report.

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 2020-05-20 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I paid oof my XXXX credit card and closed the account. The company refuses to close my account. My credit reports I owe them XXXX as shown on my credit report.

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 2020-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid oof my XXXX credit card and closed the account. The company refuses to close my account. My credit reports I owe them XXXX as shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I went to a class at XXXX XXXX XXXX Florida for as little as two weeks before dropping the class, I couldn't make the class because of work schedule changes. There was apparently an amount for a STUDENT ID that I needed to pay that I never was notified about for some reason. I then got a notification that I had a collection on my account, I contacted them immediately and was notified that once I pay the debt it would be removed from my account. I have filed a dispute with XXXX ( who is the ONLY creditor reporting it ) and the company " Conserve, XXXX XXXX XXXX, XXXX, NY XXXX '' filed to collect the debt will not remove as I was told on the phone. 

This is ridiculous that I don't even attend a college for a full semester, don't take a full class, never received mail, and now have a collection I was told was going to be removed that is affecting my finances over a student ID card that somehow amounted to {$210.00}!? Not only bad practices by a state University putting collections on, as I read online happens a lot with them, multiple students records over a Student ID card. Horrible, I can't imagine how many other students this has effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XXXX XX/XX/2020 I opened a savings account with Capital One 360 Online Bank. At that time I requested that my savings account at my local brick and mortar bank  be linked to the Capital One 360 so that a transfer of {$50000.00} could be made from my local bank. The instructions for linking and verifying my local bank savings account stated that two small would deposits would be made in the next few days to my local bank savings account and that I should report the amounts online to Capital One 360 Online Bank to verify the transfer process. 

From XXXX XX/XX/2020 to XXXX XX/XX/2020 I spoke to many ( 6-7 ) individuals representing Capital One 360 Online Bank about their inability to send those two verifying deposits to my bank. The reply many times was they were being sent. Later, on XXXX XX/XX/2020, I found out from my local bank there were no records of verifying deposits attempted to be made until XXXX XX/XX/2020. With no other choice, on XXXX XX/XX/2020, I was able to initiate a transfer of {$50000.00} to Capital One 360 Bank via other means of transfer which were not available to me until XXXX XX/XX/2020. 

When I open the savings account at Capital One 360, I applied for a XXXX for depositing and maintaining a balance of {$50000.00} in my Capital One 360 Savings account. However, Capital One is denying me that bonus based on a funding requirement maximum of ten business days that was not met. The funding requirement was not met because Capital One did attempt to make verifying deposits until XXXX XX/XX/2020. Their attempt at marking verifying deposits of {$.00} and {$.00} were rejected by my local bank because of a transaction code error on Capital One 's part. 

I believe that the above interaction between myself and Capital One 360 Online Bank may be considered a 'bait and switch ' fraud. 

Please note : As of today, XXXX XX/XX/2020, I have not been able to access my {$50000.00} in the Capital One 360 Bank to return them to my custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, Transunion, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, XXXX, experion, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.

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 2020-05-20 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: NJ

Complaint narrative:
Enclosed are the accounts that must be verified by section 609 with proof of my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I hired a mover named XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX phone number XXXX They wanted me to pay thru XXXX well the money was not available that day so they made me use Cash App but first I had to get a refund from XXXX which I did. Then I paid them thru Cash app {$1300.00} from my XXXX account. Then they started unloading my furniture. Yes they literally held my furniture hostage until they received the money that very day. Then I found out that the owner XXXX XXXX wanted another {$220.00} dollars because it took almost 2 hours to find a way to pay him the {$1300.00} I refused but his men were still unloading my furniture. What I did not know was that they had blackmailed my grandson and granddaughter into paying from their XXXX account the {$220.00} thru CASH APP. I did not authorize nor did CASH APP have the right to take funds from that account. Both my grandson and grand daughter are under the age of XXXX years. My grandson used his phone to access CASH APP but used my granddaughter funds from here XXXX XXXX account. I do not even have the CASH APP login because XXXX XXXX told my grandson to delete the file so I would not find out but it showed up later in the day on my granddaughters XXXX XXXX account. I was furious. I tried to get the money back from CASH APP but there in no phone number to call just their APP. I have sent numerous emails and texts to XXXX XXXX XXXX and XXXX and they stated that they refunded money but as of today I have not received this {$220.00} back into my granddaughters account. I am requesting the money back from CASH APP because it specifically states that you have to be 18 to use the app and both XXXX XXXX and XXXX XXXX knew my grandkids were under XXXX and sometining should be done to this moving compnay that holds people furniture hostage and you have to pay before they deliver your furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have 3 cards with Amex BlueBird 1 is mine, 1 for my fiancee ( with her name ) and Daughter her name on a family account she get her paycheck there. My fiancee has her unemployment check deposited on there. now we have no money. I have had Blue bird for 4-5 years with no problems until today. 
today XX/XX/XXXX I can not login. I tried calling they just keep hunting up and emailing me a general statement saying this below. This is not right I can not access my funds -- ( During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: BYL Collection Services
State: TX

Complaint narrative:
byl collection sending a bill on ftc violations remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We filing this complaint to clear up an on going issue that Select Portfolio Mortgage Servicing has failed to correct dating back to XXXX and XXXX. In reviewing billing and payment history posting errors are noted and because of this they are claiming missing payments. We have talked to them on several occasions and was told to send copies to correct it and it has not been done. They recently transferred us to a new Mortgage Company call XXXX XXXX XXXX  and this amount they claim is owed was transferred to them. I have spoke with XXXX XXXX  XXXX and they told us to get Select Portfolio to correct this amount and they would have to cleared up with them. Otherwise the amount will stay as is. The amount amount we deputing is {$1200.00} which is two payments. In reviewing there payment history it is note that two payments were made and Select Portfolio posted them but went back and debited them back. This issue took place on XX/XX/XXXX and according to our records no payment was missed but some were sent in late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
XXXX XXXX sending a bill on ftc violations remove it from my report

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 2020-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX sending a bill on ftc violations remove it from my report

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 2020-05-20 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I had an account with Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare. 
I contacted Santander over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it. 
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by Santander so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
My car, XXXX XXXX XXXX is financed through Toyota Financial Services. My car was involved in an accident and was totaled. As a result my insurance paid its part and my gap coverage paid theirs. There was still a remaining balance due which was sent to me to be paid off. First I received a bill for {$670.00} then another bill came a day later with an updated balance of {$590.00}. I paid the the bill with the balance due of {$590.00} and sent in my check with the bill attached following the instruction on the bill. Now after looking at my credit report, Toyota Financial Services has made a derogatory mark on my credit report saying I still owe {$80.00} and the the amount has been charged off. 

When I contacted Toyota Financial Services they're telling me they can't find my check or the bill they sent me of {$590.00}. They wanted me to send them a copy of the bill and canceled check. I told them I don't have a copy anymore because the instructions on the bill says to send it in with my check and that is what I did. I have not gotten a chance to send my cancel check because they did not instruct me on how to send it. I have talked to Toyota Financial 3 times. The first two times they said they were going to escalate and get to the bottom of it, but they never did. The last time I called, I asked to speak to a manager and they put me on hold forever that I had to hang up.

Company response to consumer: Closed with non-monetary relief