vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has disabled my ability to login into my account online. I wanted to contact them to fix this issue and looked for an email to use. Their contact page only gives you phone numbers to call and no access to the email. It says " To email us, log in and access the Email Us feature in the Help Center. '' This is a sick attempt to force borrowers to have to use the phone. 

I dislike their attempts to force me to call. 

After reading about this issue that others have run into they were told by navient to make a new account. So I tried to register a new account but it brings me to a page that says I can not create a new account with one already existing and has 3 separate buttons to contact them but ALL of the buttons take me to error pages. The only pages in their sitemap not to work for me. 

Yet they still take out automated payments every month from my account. I want to pay a larger lump sum and try to negotiate a settlement over email and they won't even allow me the contact. This is very XXXX behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc.
State: TN

Complaint narrative:
Please review my email to Remitly describing our issues regarding a money transfer to the XXXX from the US. This email was an attempt to resolve all the charges. However, Remitly will not answer my email. Therefore we are requesting your assistance to arbitrate this matter. 



Transfer date of XXXX XXXX. 

Including screenshots of transaction fees. 


XX/XX/2020 Email to Remitly : To whom it concerns, We used your service for the first time to send funds to the XXXX on XX/XX/2020. We took advantage of the no service fee for first time use. However there was a {$29.00} fee? With a higher exchange rate I reluctantly agreed. That was misleading. Upon reviewing my Visa statement I was charged an additional {$44.00}, plus interest for cash advance that I did not agree to. Theres also daily interest being applied. To date your service has exploited me over {$74.00} USD to send funds. 


Prior to using your agency we used XXXX numerous times. Which only has a transfer fee of {$5.00} to {$7.00} which is upfront and not hidden. They also do not use cash advance merchant codes. 

My Visa company has been made aware of your misleading terms and conditions. They also reviewed your website and agreed with the terms being ambiguous. 

Will allow you the opportunity to respond before filing a formal compliant with the appropriate authorities. 

Two screenshots attached. 

Best, XXXX. 






Auto response from Remitly : Dear XXXX, We currently have limited customer service available as we protect our global team and align with public safety precautions for COVID-19. At this time, we are not able to offer email support and are unable to respond to any email message you send us. 

We truly appreciate your understanding and patience and apologize for the inconvenience to you. 

We encourage you to find easy answers to your questions on our Help Center, such as : Track your transfer Edit your transfer Cancel your transfer Why is my transfer on hold? 
How sending limits work If you need to reach out to us, you can find the latest information on what customer service options are available here. 

As always, thank you for choosing Remitly.

The Remitly Team Not able to locate any account or transaction numbers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX/XXXX / inquiry 2019 I do not know this account. On the above date listed I had just had XXXX XXXX and was 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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
I have never been under contract with this company and they are reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX the Capital One made a chargeback of {$1300.00} on my credit card due to a dispute I have initiated against XXXX XXXX XXXX however on XX/XX/XXXX the Capital One had it reversed into my account as " purchase adjustment ''. At that time I was told to send more documents yet to be mentioned in a letter that I was going to receive a few days later if I wanted to keep the dispute on. On XX/XX/XXXX by Capital One request, I had sent a fax with 10 pages to the number ( XXXX ) XXXX therefore I never received any follow up from Capital One about my dispute case. Later on XXXX, XXXX I called them and I was told that they were not able to see any fax recorded into my account and so they emailed me a link to have the requested documents ( attached below ) uploaded. Once more, I never received any follow up from them yet I was told to wait for their answer at many calls originated from me in order to have more information about it. That said, I made a call on XX/XX/XXXX and asked to speak with a manager thus I was told by a manager XXXX ID XXXX that my case was over and no option was left for me. It is unacceptable since by the Fair Credit Billing Law, I have 60 days to dispute a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XXXX  reported Commonwealth debt on my report. It is a medical hospital debt and I have not received notice from Commonwealth of this debt. It just showed up on my report. I shouldve received notice that this was a debt from this company or from the hospital but I called several hospitals to see if there were outstanding bills since I have had a lot of medical issues in the past but I never received notice of any. I asked if it was turned over but never received notice of this debt from this company if so O wouldve made right on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

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 non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: UT

Complaint narrative:
On Tuesday, XX/XX/2020 my wife and I deposited a large personal check into our Package Money Market Savings Account at US Bank 's XXXX, Minnesota location. 

The teller put a large deposit exception hold on the deposit. While we did not need the money, we told the teller when she informed us of a hold due to the amount deposited, that her position was in error. 

We discussed Regulation CC governing the availability of funds deposited in checking accounts and the collection and return of checks and re-iterated that this was a savings account. 

We further explained that under 12 CFR 229.2 ( a ) ( 1 ) the term Account specifically excludes savings accounts. The tern does not include savings deposits or accounts described in 12 CFR 204.2 ( d ) ( 2 ) even though such accounts might permit third party transfers. 

We pulled up the deposit account disclosures on-line to try and figure out what kind of savings account we have and why it would be subject to Reg. CC holds but have been unable to figure out the why. The Funds Availability section of your disclosures indicates that, " the funds availability policy applies to deposits into both a checking account and a savings account. '' We do not understand why. 

The deposit contract clearly points out that " U.S. Bank reserves the right to require seven days notice before any withdrawal from a saving account, '' which is part of the definition of a savings account found in 12 CFR 204.2 ( d ) ( 1 ) and ( 2 ). 

Based on what we have read in the bank 's deposit account disclosures, it indicates that they have the right to delay availability of funds deposited into a checking or savings account made at a branch or ATM ; however, we are unable to locate anywhere in 12 CFR 229 where this is permitted for savings accounts, which also includes money market accounts. 

Both my wife and I are currently in the regulatory compliance business. And we have been in the banking business collectively for over 50 years. 

Again, we did not need the funds, so we were not harmed : however, when we attempted to file a complaint with the bank we were unsuccessful in locating anywhere online to complete a form. Because of this, we felt it was in our best interest as well as the banks to go through the CFPB. This appears to be a systemic issue due to the disclosures. 

Had the bank 's website been more user friendly and included an avenue for filing a complaint we would have gone directly to the bank. As it is, the website does not appear to have a portal for consumer complaints, which a reasonable consumer can navigate to ( possibly one click away - i.e. Contact us ).

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX   CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2020-09-12 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-12 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted to work with XXXX  and Transunion, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This month, Wells Fargo has notified me that they will be changing the MSF structure to their " Everyday Checking '' accounts. Basically, a method of using 10 or more posted Debit card transactions will be removed as a means to waive the $ XXXX  monthly service fee. The only alternative is to have a {$500.00} daily balance. 

Unfortunately, no other Checking account that they have available has this option. I ask that your organization investigate this practice, as it will profit on the most vulnerable individuals and families, especially in light of CoVID and the loss of income for many. This decision was made arbitrarily and without consideration to the many customers in Oregon. 

The only solution that I can think of is that WF be required to have at a minimum one Checking account that can have its MSF waived via 10 debit card transactions. 

Important information about avoiding your monthly service fee What is happening Effective with the fee period beginning after XX/XX/2020, there will be changes to your Everyday Checking account ending in XXXX. 

Avoiding the monthly service fee with 10 or more posted debit card transactions will no longer be an option. 
The options to avoid the monthly service fee using minimum daily balance or qualifying direct deposits will be based on a minimum of {$500.00} each fee period. Depending on your checking account type, this represents a lower minimum for one or both of these options. 



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 2020-09-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my 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 explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I've written to this collection company to cease and desist and they still are trying to contact me. I do not have a contract with them nor do I owe them anything

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 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: TX

Complaint narrative:
XXXX  notified me via my membership of a NEW collection acct called SG and Associates - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, XXXX  is the only bureau to report=- Twice I have sent XXXX  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX- I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX . 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
www.lvnvfunding.com Is a collection agency and agreed to a ( XX/XX/2018 ) XXXX monthly payment since they took over the charge off. ( from a predatory company online. ) I had to take this loan out due to being off work for XXXX At that time they agreed to {$100.00} a month payment with it being electronically Taken every month for approximately 2 years. They are reporting it late every month though the agreement was made, never late. It is reporting that no payments are being made and that I am late every which is a lie. 
I also contacted the company and they state they dont report anything to the agencies just when its paid off that is again not true.

Company response to consumer: Closed with explanation