vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XXXX, XXXX, XXXX, I tried to log into my USBankReliaCard through Oregon.gov Pandemic Unemployment Assistance. I wanted to check my balance and inquire about a missing weekly payment. I was unable to log in to my account. 

I called the USBankReliaCard representative. They said my account was locked. So, I am unable to buy groceries, pay rent, use the ATM. My account should not have been locked. It is a major inconvenience! I do not understand why they locked my account. My statements showed I used my ReliaCard to buy groceries in XXXX and XXXX, but I used my other personal USBank account in XXXX out of habit, and I wanted to save up some money on my USBankReliaCard anyway. ( I have had a personal USBank account since XXXX. ) I was told to be able to unlock my card, I had to send pictures of my driver 's license ( front and back ), ReliaCard ID number, passport, social security card, a selfie, and a medical bill with my new address on it since my driver 's license was my old address ( I moved to my current location in XX/XX/XXXX XXXX that's been the same for over 15 years ... I submitted my address change from my old address to the new address in XXXX. USBankReliaCard has a record of the transaction as they keep track of account updates. 

I uploaded the requested documents and called the USBankReliaCard representative again after 2 hours. They confirmed receipt of my documents and said they will unlock my account 'pending approval '. This is very unnecessary harassment towards me. I think USBankReliaCard should have crosschecked me at USBank as they would have seen I have a personal banking account with them. They have my address ( old and new ) and my signature on file. 

Why are my funds being hijacked by USBankReliaCard? I need my Pandemic Unemployment Benefits to buy food, pay rent, use the ATM to get come cash, etc. 

This is not how USBankReliaCard should conduct business by making my life more miserable without my having access to my funds that were provided me to live on through Oregon.gov. 


For XXXX, I wanted to pay rent by sending funds to pay my landlord, and I could not buy food today when I went to XXXX XXXX  to buy groceries. The USBankReliaCard was declined twice! Now I am late on rent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
I have relocated to the West Coast and the debt company had my current address as it was verified when I called them. However, they called repeatedly around XXXX and XXXX XXXX. This I am aware is a violation of FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nelnet, Inc.
State: MT

Complaint narrative:
THE DEPARTMENT OF ED/NELNET HAS BEEN REPORTTING CLOSED ITEMS AT TOTAL OF 30 ITEMS, EVEN THOUGH THEY ARE CLOSED, THEY HAVE BEEN OVER SEVEN YEARS AND WILL BE REMOVED. THERE WILL BE NO ARUGUMENT AND DISCUSSION, NELNET WILL REMOVE ALL THESE ENTIRES PERIOD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" Experian reported 10 points loss in my XXXX credit score from XX/XX/2020 to XX/XX/2020 without ANY reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: NC

Complaint narrative:
I sent validation request to RS Clark and Associates. Letter sent certified via USPS on XX/XX/2020. Received on XX/XX/2020. RS Clarke Associates sends letter on XX/XX/2020 a balance listed. A second validation request was submitted certified mail via USPS on XX/XX/2020. Letter received XX/XX/2020. RS Associates sends letter on XX/XX/2020 stating 2nd request was a frivolous request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : Equifax Mortgage XX/XX/20 & XX/XX/20 XXXX  : Equifax Mortgage XXXX & XX/XX/20 XXXX  : Equifax Mortgage XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from the executive office from CHASE BANK, dated XX/XX/2020. 
The letter is a complete fantasy providing creative statements supporting their view of my purchase of XXXX products and the quantity of bottles ordered. 

Item # 1 Letter from Executive Office Item # 2 Sample XXXX with offer of sample bottle I pay {$6.00} shipping. 

During my conversations with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, starting XX/XX/2020, they tried to convince me that I ordered with a card ( 8 ) eight bottles of KETO product. Also known as XXXX XXXX XXXX. My offer to return the unopened bottles was refused. 

I never authorized the use of my DEBIT card over the maximum of {$7.00}. 

I disagree with the rest of the letter making false statements. 

Item # XXXX XX/XX/2020 My letter ( email ) to XXXX, complaint about their misleading advertisement and my intent to purchase sample bottle with only cost of {$7.00} for shipping. 

Today I called XXXXXXXX XXXX XXXX at XXXX XXXX Customer Care Support. I received this phone from XXXX XXXX from my calls in XXXX. 

The representative stated, if my claim of unauthorized use of my debit card was supported by CHASE, they would charge back the {$250.00} and return my money. 

I was told that the corporate company for the XXXX products is XXXX XXXX XXXX. Registered under XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

CHASE could have charged back my full amount of {$250.00} and returned the full amount to my account. So far CHASE refused my claim and charged back MY checking account for the temporary amount of {$210.00}. 

I request that you continue to investigate XXXX XXXX XXXX at XXXX XXXX XXXX in Utah. Requesting the return of my {$250.00} and reimburse all fees charged by CHASE bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a declined transaction for fraud alert at XXXX XXXX. This was correct. my card had been stolen. AND IT WAS THE SECOND TRANSACTION THEY WERE TRYING TO DO. HOWEVER BOFA denied my fraud claim for the FIRST purchase at XXXX  XXXX  done minutes earlier for XXXX. REFERENCE NUMBER XXXX for card ending in XXXX here 's the email notification of the second transaction. I reported my card as stolen immediately. 
Here 's their notification sent XX/XX/XXXX XXXX XXXX  Do you recognize all of these transaction ( s )? 
Declined transaction at XXXX  XXXX  XXXX  XXXX for {$320.00} on XX/XX/XXXX Further when I tried to call in to dispute this XXXX charge with Bank of America they kept me on hold for 30 minutes then sent me to a voicemail that just hung up on 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 2020-11-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
I purchased a {$200.00} gift card from Kohls after the purchase there was a hold placed on my account and Kohls canceled the gift card. Yet they still billed me for it I called them and was informed the gift card was no good at which time i indicated i was not going to pay on a gift card that was no good. And did not want the card replaced i had a previous purchase and paid that off so my only balance was the gift card. they continue to charge me late fees and interest on the gift card. as of now the balance is {$270.00} and is being reported to credit agencies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08 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: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : XXXX  Mortgage XX/XX/20 & XX/XX/20 TransUnion : XXXX Mortgage XXXX & XX/XX/20 XXXX  : XXXX  Mortgage XX/XX/20.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  : XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX Experian : XXXX  XXXX XX/XX/20.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NEW ULM, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I went to the emergency room I have insurance that paid the bill my insurance is XXXX XXXX id # XXXX XXXX XXXX XX/XX/XXXX thats all the info youll need to show you Im not lying about my insurance and the debt is still on my credit. I was informed by my insurance company to let yall know directly again so I am. Thank you and have a blessed day.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been sending letters to the bureaus it has been longer than 60 days and I still haven't gotten a response. I am really stressed and don't know what else todo. I have a list of unauthorized inquiries that is on my credit report that I did not commit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been sending letters to the bureaus it has been longer than 60 days and I still haven't gotten a response. I am really stressed and don't know what else todo. I have a list of unauthorized inquiries that is on my credit report that I did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Transunion, This Complaint is formal notice that you have failed to respond to my dispute letter of ( XXXX ). I sent this letter certified mail. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION 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 2020-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
This week several times I have gotten calls from Wells Fargo. They are wanting my school loan payment. Which is fine. But they call even after I have made a payment. They call often XXXX a day. 2 of which have no one there on the other line. Its offensive as I have made a payment. I spoke to a nice lady and she said she would file the report that I was getting excessive calls. Then the same hour I get calls. 

But to get calls with no one there on the other line is rude and Im sure illegal. 

I want to be called as a reminder of my payment. But not bullied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered merchandise from online store XXXX on XX/XX/2020 using my chase debit card for {$4700.00}. I was suppose to receive the merchandise on XX/XX/2020 which I didnt receive. I contacted XXXX multiple times, but they straight away refuse to help me with the issue. After which I contacted chase bank to file a dispute since merchant refused to help me. Filing a dispute is my right as a consumer which was there when I signed the contract with chase bank, but they also refused to file the dispute. They even refused to help with it. I filed complain previously also with CFPB XXXX. After which I was advised by one of your representative that I should file a dispute again with the dispute department with the bank and they'll help me with it. When I filed the dispute again with the dispute department they refused to help me saying that this dispute has been previously closed and can't be filed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My laptop was stolen from a XXXX on XXXX XXXX. On XXXX XXXX I realized that my bank login information which was saved in my laptop was used to do a wire transfer on XXXX XXXX for {$5000.00}. 
I called chased fraud department and they asked me to fill out the frogery packet and fax it. They also changed my username and password for security. The wire transfer made on XXXX XXXX wasn't authorized by me. After send frogery packet, they declined my claim saying that I didn't take enough measures to save my account. Although I did everything they asked me regarding to save my account information. My username and password was changed. Since I wasn't in United States they advised me that I should my account number once I am back in US. I should go to any Chase bank branch and change my account number, but this was after I am back in US. I have also filed police complaint about my stolen laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: VI

Complaint narrative:
There are 9 hard inquiries on my credit report that is reporting negative and inaccurate information and I have disputed the information with the credit bureaus several times and they have said that the information has been verified. One credit bureau had deleted all of these hard inquires because the creditors could not provide verifiable proof or documentation that these hardinquires belongs on my credit report. So, if all information reported to each bureau should be uniformed and consistent, I dont see how each of you can be reporting something entirely different on the same issues. I am now asking you to provide me the documentation of how your credit bureau verified these hard inquiries on my credit report. If you can not provide these documentation you must delete these items from my credit report immediately. I expect your credit reporting bureau to follow the law that speak to 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