vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CapitalOne provided me with false information about keeping my account open. On XX/XX/2021, I was told by an account specialist ( employee number XXXX ) that all I needed to do was replace my expired credit card in order to keep my account open. I ordered a new card and they still closed the count permanently, which will negatively effect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, Ive wasted a lot of time trying to get this matter resolved, they are a few items on my credit report that I do not recognize with incorrect information. I tried to get in touch with the Credit Bureaus several times and got no answer.

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 2021-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
My company XXXX XXXX XXXX ( XXXX XXXX XXXX  ) applied for a PPP loan on XX/XX/XXXX with my personal banker XXXX XXXX ( Frost Bank XXXX Tx ). All of my workers were 1099 misc workers which made up the majority of my payrolls. My application was approved and funded on XX/XX/XXXX. At the time my application went thru and was approved 1099 misc workers were allowed to be used for payroll on the PPP loan. I submitted for forgiveness in XXXX of XXXX. My bank came back and said the loan couldn't be forgiven because the new rule that came in effect after my application was submitted and approved stated that independent contractors ( 1099 misc ) could not be used towards PPP loans. I received my loan and dispersed the monies exactly as intended by making sure all of my workers had a paycheck each week to get there bills paid and to stay afloat. This should fall on the banks shoulders as the loan never should have been funded if it was not going to be forgiven. I have been sent a business loan payment notice in the mail and i have a payment of {$59000.00} due on XX/XX/XXXX. I do not have this money to pay them back as the monies from the loan were depleted long ago after i received it. I will attach original loan application along with everything i submitted to the bank back in early XXXX. I will attach my loan forgiveness application as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got a deposit from VA lottery on XX/XX/2021 for {$170.00} to my XXXX XXXX card and it settled on XX/XX/2021 but the money never posted to my account. For the past month and more I have been trying to get my money. I called XXXX today and was hung up on several times. One time I talked to a girl and she said where she see the money came but never posted and she would reach out to VA lottery to get some info from them. She told me she would call me back within and hour, several hours passed so I called back and a manager told me no one would tell me they would call me back and that the VA lottery tried to deposit the money from an ATM before he hung up on me. I continuously called back and never got anyone with XXXX to find my money so now its come to this because its sounding like fraud. I called VA lottery ( XXXX, opt. 1 ) and talked to the supervisor XXXX XXXX because he now knows me because Ive called him continuously for over a month because I thought they never sent it. Comes out to be XXXX fault all the way around and they had me thinking it was VA lottery. VA lottery provide screenshots of the money they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
I have membership with EXPERIAN so I check my credit activity quite often and noticed a new account on my credit report for which I did not apply for and have no idea how the account was opened without me knowing. I called the company and they confirmed it was fraud, they asked me for my email to send me the findings of the investigation and on the same day I also started a dispute with EXPERIAN. The dispute for the account with XXXX XXXX was not changed as a result of the processing of the dispute. 

Experian stated that the company that reported the information has certified that the information is accurate. I do recall seeing my bank account debited in the amount of {$4.00} in XXXX for a membership with XXXX  for which I immediately contacted my bank to investigate and reverse the unauthorized transaction and they did right away on XX/XX/XXXX, XXXX the account showed up on my EXPERIAN credit report almost 3 months later. I have no knowledge of the company, never received any mail or email and I have a balance as of XX/XX/2021 that needs to be removed as soon as possible.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I've made a complaint on a withdrawal because of it the bank is closing all my accounts including my credit card account ... Because Ive reported a complaint I'm been disciplined for one of their employee 's stealing thousands of dollars from me.. its several deposits that aren't being computed properly dating back to 2020 upon opening 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 2021-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: TN

Complaint narrative:
I have an auto loan originally with XXXX that has now been charged off and closed for {$15000.00}. I contacted Synergetic communications and spoke with a manager name XXXX and I had XXXX loss recovery rep on the line as well within this conference call. I told synergetic manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that Synergetic doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to XXXX for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with XXXX in the past but I wasnt able at that time due to XXXX XXXX and no longer working. I and the XXXX rep was told by Synergetic supervisor XXXX that they ceased the calling and communication on the account and that it depends on when XXXX pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the XXXX rep confirmed and verified with me that XXXX have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that Synergetic bought the debt from XXXX as a third party collection. She also stated to me that if Synergetic doesnt collect on debt that they would in turn sell the debt to another debt collection agency because XXXX is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because XXXX no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with XXXX directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021, I went to capital XXXX bank to close my CD. I was they can not close my CD I have to call the corporate office. Same day I called and canceled my CD. I was told I will be receiving my check ( over {$200000.00} ) within 10days. After 10days not receiving the check I called they told me to wait few more days. After few more days I called and said it's better to put stop payment on this check because I still haven't gotten my check. Representative said okay will stop payment on this after couple days we will send you a new check. Again after couple days I called, I was told the check is on the way, you will get it in 5 business days. After 5 days not receiving check yet I called again and spoke with the manager he tells me I need to sign the affidavit before they can send me a new check ( I asked why the last representative that I spoke to 5days ago said my check is on the way, but I didn't get the answer for that ). So now I said fine send me the affidavit form and he said he doesn't have the blank affidavit form he needs to ask the back office to send me the email and I should receive the email by end of the day. I didn't receive the email I called next day, and I got the same answer. I called again and again asking them to send me affidavit form in the email, but no luck, so that happened few times again I spoke to the manager and said I have not received my check and you guys are not sending the affidavit form to take proper action, this time I told the manager to call the back office now because I need the affidavit form. Manager said he doesn't have number for back office they can only send email. I finally gave up!! And after few days I get the affidavit form in the post mail which should have been received long time ago in the email. So I filled out the form and emailed to the bank and I get a call from capital one bank that they have received my check but unfortunately they have to wait 95 days before they can send me a new check. I asked the lost check has that been blocked ( stop payment ) the representative response was not sure I believe so. PLEASE HELP I DONT KNOW WHAT TO DO NEXT. NEED THE FUNDS FOR AN INVESTMENT. I DONT WANT TO LOOSE THIS OPPORTUNITY BECAUSE OF CAPITAL ONE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been trying to tender payment to the online account to bring the account current. Wells fargo has informed me of sending me a work order with wire transfer directions or by next day mail. It would be more convenient if they could fix the online portal to a current date so that I can bring the account current. If they can resolve this issue it can save us alot of time and inconvenience. The website portal still says 2018 and is inactive. If it can be brought current as a date and active, I can make arrangements to bring the account up to date. Thank you for your time...

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 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On or around XX/XX/2021, I recieved a call from my now ex-wife saying that she wanted to buy a car and all she needed was was my paystubs to get it. At first I was skeptical but she explained to me that everything would be alright. At first I didnt know too much about credit as noone had ever taught me anything about it. I had no idea my own ex would scam me into to sending info about work information. It wasnt until about XX/XX/XXXX when I checked my credit and noticed a missed payment from the company known as Credit Acceptance. I had them send me login information based off a past loan I did with them and it says I was on another loan as buyer of the car along with the co-buyer XXXX XXXX which is my ex 's mother and someone I am not affiliated in any kind of way with. The name of the car dealership New Jersey XXXX XXXX XXXX. I dont even drive the car and im being hel responsible for something I never was even present to sign for.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: WA

Complaint narrative:
I have received 4 emails today, supposedly from Chime bank. I will attach copies of the emails. the first email congratulated me on opening the account and said that the account was opened somewhere in the same state I live in and to click if this was not me. I did not click. The second told me I had a bonus. The third said that I had a deposit of XXXX dollars. The fourth offered me a credit card. 
Initially, I just put the first email into a spam folder. I was a bit concerned as they had my name and email, but I chose to ignore it. When I received the other 3 emails, I became concerned and looked up Chime bank. I did not use the links in the email, rather I went to their website. They had an automated response-bot ( I assume ) that said that they could escalate my concern to a technician who could help me. I was then routed to a service that would charge me {$1.00}, saying it was refundable. I did not bite as I would have had to share information. I also noticed that, by signing up for this " assistance '' I would be signed up for a {$46.00} fee. 
I am not sure if yours is the site to follow up with this, but as I did involve the actual bank, this all seems quite fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have been with American Express for over 4 years and this is my 2 time applying for another card and a credit limit increase and I have been denied. This is an unauthorized use of my credit card ( 15 USC 1602 ) American Express used my credit card and I didn't benefit from it on them. American Express can not deny me my own credit because that is a violation of 15 USC 1691a ( 3 ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1691b ( 1 ) says It shall not constitute discrimination for purposes of this subchapter for a creditor - ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness.

American Express denied my applications due to credit worthiness which is a violation under the Equal Credit Opportunity Act and according to 15 USC 1691g they are civilly liable for the violations the committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
I have reached out to the company in question on numerous occasions as well as the reporting credit agencies. I am a resident of Indiana being accused of accounts in Oklahoma. I have sent multiple methods of verification with no response. When I did finally speak with someone at the collection agency she was rude and unwilling to resolve my issue and treated it as a personal attack on her, when its my reputation on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-14 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation