vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OK

Complaint narrative:
As the Covid-19 Pandemic started, I applied for Pennsylvania unemployment benefit. I was awarded {$12000.00}. However, I never got access to my funds as I've never received the US BANK RELIACARD debit card where the funds were deposited. 

For over 3 months, I kept calling the Pennsylvania Department of Labor to inquire about my benefit payments but I couldn't get through their phone system. Then finally, in XXXX I was able to reach a representative of the Pennsylvania Department of Labor who informed me that my benefits have been paid and that I should have been received a US BANK RELIACARD debit card. 

So I called the US BANK RELIACARD Customers service to inquire about the RELIACARD DEBIT CARD, the customer service representative informed me that they sent me a reliacard debit card and that it was loaded with {$12000.00}, however, the balance is now {$0.00} as the funds have all been drained out my account. I told the representative that I never received the reliacard. So HOW can the funds be drained out of my account? The representative then advised me to file a claim dispute. 

After filing a claim dispute, I faxed and mailed ( several times, at least 10 times ) all my identity verification to prove that I am who I am. I even did the selfie verification. From the beginning of XXXX until today, I have been calling US BANK RELIACARD everyday and they always keep telling me the same message : " We didn't receive your identity documentations '' On XX/XX/21 I called again and Tier 2 representative informed me that my claim has been denied and my account is restricted. 

When I asked for explanations as to why my claim is denied or why my account is still restricted, the tier 2 representative wouldn't give me any response beside telling me they sent me a mail. However I've never receive any correspondence from US bank reliacard. 

I faxed and mailed in my identity documentations at least 12 times with the most recent on XX/XX/21 and I have a tracking number showing that my identity documents have been received on XX/XX/21 at this address : ( Cardholder Services XXXX XXXX XXXXXXXX XXXX, FL XXXX ). Could you PLEASE confirm that you guys received my identity documents. 

I don't understand why my account is still restricted or why my claim dispute is denied. Because I've never received the reliacrd debit card in the first place. So how can someone access my account or intercept my mail and I believe US BANK is holding my money hostage. Because I've never received the debit card and I don't have access to my account. I am driving through food banks weekly and waiting and waiting It's a matter of livelyhood.

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 2021-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I Received an e-mail stating my credit limit on my card was lowered. I checked my online account and found no information. I called the card company and was told my payment was long overdue. I was told my statements were now electronic which I never intentionally authorized. I had paid off my card in the fall after a vacation. I decided since I had a lot of reward points to go online to redeem the points. While online, a window popped up asking me to update my personal information. I went to the area and checked my info. I had not thought about the card again until i received the e-mail. By trying to help the company I was tricked into signing up for electronic statements is my guess. I had the credit card company fax me statements I had missed. XX/XX/XXXX ; I owed XXXX. XX/XX/XXXX ; XXXX was added as late charge. XX/XX/XXXX ; XXXX late charge and interest was added. All charges have been paid. 3 days after receiving the e-mail I got a letter advising me my credit limit was lowered and they had contacted an agency which had lowered my credit score. After being in business for 34 years my credit has been lowered on a fraudulent trick. No notice of the change or being overdue was ever mailed to 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 2021-02-13 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:
I BELIEVE THE 3 MAIN CREDIT REPORTING COMPANIES EXPERIAN, XXXX XXXX, XXXX, BROKE YOUR OWN UPDATED COVID-19 POLICIES BECAUSE I HAD A FICO SCORE OF XXXX XXXX OF XXXX NOW PRESENT XXXX XXXX XXXX FICO SCORE XXXX DROPPED OVER XXXX POINTS, BECAUSE I GOT LAID OFF XX/XX/2020 TO PRESENT DATE OF TODAY XXXX XXXX IN A LOCK DOWN IN CALIFORNIA, WHERE I HAVE HAD the SAME JOB FOR OVER 30 YEARS. NO JUSTICE HERE WHEN I SEE ALL THESE OTHER CONSUMERS GETTING LIKE STUDENT LOAN FORGIVENESS, AND OTHER BAIL OUT OPPORTUNITY, I HAVE DISPUTED ATLEAST 4TO 5 TIMES AND REALLY GET NO ANSWER OR EXPLANATION FROM WHAT THE DISPUTE OUTCOME, BECAUSE YOU KNOW THAT THE BUREAUS WOULD NOT LET YOU DISPUTES THAT MANY TIMES IN OVER 2 MONTHS AND I PICKED OUT OF MULITABLE CHOICE, COVID-19 AS THE CAUSE FOR THE LATE PAYMENTS, AND I HAD EXPERIAN EMAIL ME ATLEAST 25 TIMES IN 2 MONTHS ACTING LIKE THEIR HELPING ME WITH UPDATES, BUT NOTHING SHOWS CREDIT SCORE IMPROVEMENT, IT IS LIKE THEY DONT KNOW WHAT TO DO, WHAT GOOD IS THE UPDATED CFPB COVID-19 PROVIDES, WHEN THEY DONT FOLLOW THE GUIDELINES, AND WHEN I DISPUTED MY 6 ACCOUNTS IT WOULD SHOW WHICH ONE I WANTED TO DISPUTE BEFORE I EVEN PICKED WHICH ONES I WANTED TO? SOMETIMES ONE OF MY COMPANIES I PICKED TO DISPUTE, AND WHEN I WENT BACK TO LOOK IT TOOK XXXX XXXX OFF AND WOULD NOT BE THEIR, IT WAS LIKE THEY WERE TRYING TO COVER FOR THEM, I JUST DIDNT KNOW WHAT HAPPENED????? I STILL DONT KNOW???

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, Exeter confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX Exeter reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with Exeter to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with Exeter and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: NV

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XXXX/XXXX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: IN

Complaint narrative:
On XX/XX/2021, I attempted to use my Indiana Way2Go card to withdraw money from an ATM. The ATM glitched during the transaction and no money was dispensed. Upon attempting the withdrawal again, the {$210.00} had been removed from the account as if I had received the money. I spoke with XXXX who in turn directed me to call the card issuer because it is ant their fault the ATM messed up. Apparently, I was denied the hardship credit because I didnt have an urgent matter that would have given me the provisional credit sooner. Thats false because I was using that money to pay a utility that was up for disconnect. I spend 5-6 hours per day since XX/XX/2021 on the phone trying desperately to get an answer of why I would need to wait 45-90 days to get my money back. I have been hung up on by reps and flat out lied to about timeframes and processes. I was told to write my own personal statement about the incident and include the service ID number to expedite the process of getting the provisional credit sooner only to be told that the fact I wrote a statement instead of waiting for the claim paperwork, which still hasnt arrived as of XX/XX/2021. Now, I have to wait until XX/XX/2021 which is ridiculous because I need that money to pay bills! I have been lied to by almost every rep as they trash the previous reps comments to me. No one is notating the account as they claim they are doing, I am transferred to the wrong departments, given the wrong fax number to send my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
i was in forbearance due to covid issues and i requested a loan modification so that i could make payments but i got a default letter from them and i can never get to talk to anyone i always get a recording which no one ever calls me back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland credit management has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XX/XX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
XXXX loan balanceXXXX {$12000.00}. One year later, XXXXXXXX XXXX loan balance {$11000.00}. Payments made- $ 4,884.68-Principal received {$350.00}, Interest received {$4400.00}. No progress in paying off this " predatory loan ''. Please advise, on how to combat loan from One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XX/XX/XXXXcould not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX and XXXX..this account has obviously been reaged another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, XXXX confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX XXXX reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with XXXX to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with XXXX and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, XXXX confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX XXXX reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with XXXX to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with XXXX and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX. L.L. Bean credit card was notified by the courts that I filed bankruptcy on that day. I had my hearing on XX/XX/2021. I keep receiving emails from them regarding a credit card statement. Nobody takes the initiative nobody takes the responsibility of L.L. Bean credit card MasterCard. I get off the phone with them on XXXX 2021 and I get two emails that I said I supposed to pay a balance. I never gave them authorization to take {$370.00} for me and {$120.00} for me. I have confirmation emails. People were in my house I never told them that I was paying any bill. I am protected on chapter XXXX bankruptcy and theyre violating the chapter XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: PA

Complaint narrative:
i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between transunion and experian..this account has obviously been reaged another violation

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 2021-02-13 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: NCB Management Services Inc.
State: PA

Complaint narrative:
i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX  and XXXX..this account has obviously been reaged another violation

Company response to consumer: Closed with explanation