vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX  makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your lazy and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Currently my husband and I hold a lot of accounts with USAA Bank. We opened several youth checking accounts but were never told about their secret policy that they have. Back in XX/XX/2021 my husbands XXXX XXXX XXXX called USAA to request a debit card be sent to his address. ( He lives with his mom ). His mom took over the phone call and verified her sons information. She then was able to have a debit card sent to her physical address and on XX/XX/2021 she went and spent all the money in her sons account for herself even though she didn't open this account and is NOT an account holder. USAA never contacted my husband or I that a new debit card has been issued or that the XXXX XXXX XXXX had called in. According to them any child ages XXXX are account holders and as long as they can call in customer service and give permission to a " legal '' guardian than that said guardian can them make changes to the account including ordering a debit card, having it shipped to a different address than on file and are able to access the funds in the account. They are treated as an account holder even though they are NOT an actual account holder. This is not listed in the terms and conditions or disclosures. If we were told that a biological parent could become an account holder by the say so of a minor we never would have opened these accounts. I asked for documentation that states that is a policy and they said that they cant not provide that to us. So basically money that does not belong to you can become yours as long you can get a minor to say you are there legal guardian and have the DOB or SSN information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 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: HI

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I am seeing on my credit report a collection from united collection bureau of the amount {$2000.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I applied for and was granted an American Express Green Credit Card with no pre-set limits in XX/XX/XXXX for my business XXXX XXXX XXXX XXXX XXXX XXXX. 
Two cards were ordered, one for me and one for the Vice President / Operations Manager to conduct the daily business of the company. XXXX and XXXX are slow months in our business and we used the card frequently, we prepare tax returns, accounting, and other financial services to the General public and our XXXX revenue was over $ XXXX. The Cards were approved, despite there being XXXX in purchases between XX/XX/XXXX and XX/XX/XXXX. The stated amount to pay was paid on time for the total amounts charged in XXXX XXXX {$1000.00}, and XX/XX/XXXX ( {$3300.00} ). 
American Express reached out to me about my high balance and they were assured that these purchases were authorized, payments were on time and we had no pre-set spending limit. I was told that my card was being suspended until they did a financial review of my income. I found that strange because the cards were for my business not for personal reasons, these actions should have been taken prior to authorizing the credit in the first. I found out about the suspension of our cards when attempting to make a {$120.00} payment for a license I needed and I was embarrassed to find out that my charge was denied without warning. Did I mention that my cards had no pre-set spending limits? My personal income is low because I don't take a salary from my company due to XXXX. However, I have good credit and they approved me instantly upon applying. I have had to make two on-time payments since opening the account and despite making these on-time payments my account was closed on XX/XX/XXXX by American Express. They requested income information and I provided them with my business income and permission to collect it from the IRS on form XXXX. 
I feel violated, discriminated against, quite embarrassed and damage to my companies ability to conduct its business. Is this legal? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal frequently. My email linked to my PayPal is XXXX I have money on my account that was supposedly subjected to bring held for 180 days ( 6 months ) and Ive recently received a email saying my funds were available to transfer because the 180 days were up and now Im still having trouble transferring my funds. This is making seriously depressed Ive submitted my ID, bank statement, the statement is linked the bank account thats linked to my PayPal. I have done everything I could on my end. Theyre just giving me the same automated script I am not getting no real help and everyone is complaining about this same issue in every forum, website and PayPal community

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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:
XXXX XXXX has been charging me a late fee of XXXX per month since XXXX of 2019. They have also ramped up hostile reporting to credit reporting agencies since I'm taking them to court, scheduled for XX/XX/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 2021-03-08 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: TX

Complaint narrative:
XXXX XXXX has been charging me a late fee of XXXX per month since XXXX of 2019. They have also ramped up hostile reporting to credit reporting agencies since I'm taking them to court, scheduled for XX/XX/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 2021-03-08 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MT NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX  and deceived by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2021-03-08 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  has not resolved all my credit disputes properly. 
Specifically, XXXX XXXX, and XXXX XXXX XXXX and refuse to actually investigate. 

The worst part, there isn't anything to investigate because I resolved it. Personally. With my wits and XXXX. 

I sent a copy of the settlement agreement over 30 days ago. It has been " remove ' but 3 agents told me over the phone they don't know how that affects the score. 

The business agents, of a legal quasi-governmental agency, responsible for determining credit worthiness, doesn't have the capacity to tell me over the phone how certain actions impact my score. 

That's like an ice cream man selling ice cream without knowing the flavors. 

As a business agent, their receptionist should understand the impacts of credit. If they don't their supervisor should. In my expert opinion, 8 years customer service, that is a train wreck. There is no recourse to sue them. They are slower than mollases and I'm positive people aren't running to take care of their debt right now. Studies show they do the opposite. 

Point. 
It shouldn't take 30 days. The full 30 days when I have been disputing these accounts for almost 3 years. 

Now they are fully resolved and the agents don't know the impact of resolution, don't understand english most of the time, and don't know the legislation governing their business. 

A business agent, in scope of duties, is negligent, and proximately caused the result of a lack of ability to gain more credit. Due to, their inefficiency. 

Don't believe me, listen to the call placed Monday XX/XX/XXXX, beginning at XXXX XXXX central time. Right now its XXXX, I spoke to 4 agents and nothing has been fixed. 

That's malice multiplying damages at state and federal level. 

Stop playing with me and get this off my credit and offer an explanation why things are taking the full 30 days, when numbers from various sources show most people do not resolve debt in a recession, inflation filled, pandemic. C19 been around a year, that excuse doesn't fit anymore.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payment in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2020 my bill did not go through account with 1 missed payment. I am kindly requesting US BANK ( Date opened XX/XX/2020 ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-03-08 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/XXXX I purchased two XXXX ornaments that were supposed to be 51 inches tall for {$99.00} using my Barclays Frontier card. When the merchandise arrived the two ornaments were approximately 12 inches tall and didn't even look like the ones we ordered. We sent the items back Certified Mail to the address the return address on the package we received. This was a scam. They knew what they were doing. I took pictures of the box I returned them in as well as the envelope they were shipped in through the US Postal service. I can verify through the US Postal Service that the items were delivered. However, this company denies that they were received. They refuse to refund me my money. I disputed through Barclays, provided pictures of the return envelope as well as pictures of the items that were shipped. They have denied my dispute and refuse to refund me and offer no solution. I asked them what I could provide that would enable them to refund me and they said there was nothing more I could do. The credit card claims to offer protection from fraud. I have complied with everything they have asked me to provide and still refuse to refund. I have done the right thing. I went ahead and paid off the card but I am not happy about it. I would like for them to honor the fraud protection they claim to provide.

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 2021-03-08 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:
On Friday XX/XX/21 I made a deposit at a Bank of America in XXXX XXXX, Ca. It was around XXXX. Once I was about to complete the deposit, the ATM crashed and the deposit didnt post to my account. They basically told me there was nothing they could do, they have to conduct an investigation which could take up to 45 days. Meanwhile I have none of my Money and no guidance from the bank. The deposit was cash and check and the teller said she could see my deposit but it has still not posted to 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 monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
COPY OF LETTER SENT VIA FED EX TODAY TO CFPB & US BANK To All It May Concern, Attorney XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX formerly known as XXXX XXXX represents XXXX XXXX regarding the above referenced loan and foreclosure case number XXXX XXXX XXXX, FL. 

This letter shall serve as our 3rd Complaint to Consumer Financial Protection Bureau Regarding this Loan. 

Our client was approved for a Trial Plan on XX/XX/XXXX. ( See attached ) Our client has made the ( 3 ) three trial plan payments in addition to ( 5 ) more payments and complied will all requirements in order to receive a Final Loan Modification. ( See Attached ) On XX/XX/XXXX we called US Bank and spoke to an agent named XXXX ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. 

On XX/XX/XXXX we called US Bank and spoke to an agent named Angelic ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. All she could say is that the Final Loan Modification is being generated. 

We Urgently request a Final Loan Modification be issued regarding the loan as this matter and foreclosure case is being prolonged with no cause. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Managing Partner

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 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I was offered money to put a XXXX decal on my car. The check ( over {$2500.00} ) came in the mail with a list of instructions to do with the money, the first being to text XXXX XXXX. 
XXXX then said to deposit the check and let him know when it cleared I woke up the next day to a text from him saying that the check had cleared and to send two Payments through Zelle for the amount of {$990.00} each to XXXX ( XXXX XXXX ) and the other to XXXX ( XXXX XXXX ). 
So I did what XXXX XXXX said and sent the money on XX/XX/XXXX and it seemed legit. 
He said someone would be at my house to install the Car wrap on Monday XX/XX/XXXX. 
I tried calling XXXX XXXX multiple times and the phone line eventually said that the number was no longer in service. I checked my bank account and the check was put on hold as of XX/XX/XXXX. My account is now negative because of the fraud check so I reached out to XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX in XXXX Wisconsin to ask if they work with the XXXX XXXX XXXX. 
The president of the company is on vacation and wont be able to get back with me until Wednesday XX/XX/XXXX, but the XXXX XXXX told me they currently have an open investigation to find the suspect. 
I called my bank ( XXXX XXXX ) and filed claims but they can not do anything until the situation is resolved.

Company response to consumer: Closed with explanation