vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX, XXXX I sold XXXX  XXXX XXXX  for {$9900.00} to private party. The money was transferred into Pay Pal Account from buyer 's bank by a debt card. 2-transactions. Pymt1of 2 for - {$9000.00} on XX/XX/XXXX ; Pymt 2-2 was for {$990.00} on XX/XX/XXXX. After funds were received in my Pay Pal account on XX/XX/XXXX for {$9900.00} ; I let the buyer set up his own selection of shipping company. He chose to use XXXX XXXX XXXX they came to my residence in Oregon on XX/XX/XXXX, and picked up the printer which was crated and ready for shipping to the buyer residence in Michigan. He scheduled it to be received at the trucking depot in Michigan. On XX/XX/XXXX ; the buyer received the printer and signed for the delivery. Attached to this complaint is the proof of delivery with buyer signature, bill of sale, my original invoice for when I bought the printer.

Plus, my messages with many Pay pal customer assistance regards the hold on my funds. As you can see my funds were suppose to already been complete in two of the messages. Another one is the funds will be released 24hrs after delivery. Then another one we will manually release the funds after delivery since it should be done. Next is the money in a jump reserve, another it will take 180 days then we will review it. Another 21 days and available by XXXX XXXX, another XXXX days after buyer receives printer. If you send us a copy of your Driver License, Copy of original invoice, and proof of delivery we will review and then release the pending. I sent this information and they took off the pending, but put a hold on the funds instead. I feel all I have got is a massive run around on this issue. One rep stated, I have been a loyal customer with alot of transactions since XXXX  '. I do have alot of business with pay pal personal and my merchant business. So I don't understand the hold for so long. The buyer loves the printer and he has even updated parts on the printer, changed some of the upgraded area and very happy with the printer. He bought it in as in condition with no warrranty as the bill states. But also the printer is a great deal and he loves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I purchased an item on XXXX XXXX. I sent my payment through XXXX in the amount of {$300.00}. The recipient is XXXX. 

The next day, I realized that it was a scam since the shipping number was not working and the seller is no longer responsive - I never received the item until now. I reported this incident to the Federal Trade Commission, and to my bank, Wells Fargo and asked if they could stop or reverse the transfer. I also asked if they could contact XXXX 's bank to report his fraudulent activity ( ies ). 

I received a letter from my bank today and they are saying that since I authorized the transaction I am not eligible for a claim.

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 2021-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Back in 2013 regional Acceptance open up a car loan in my name ... I found out about it when I created an account with XXXX XXXX We I learned about I immediately file a dispute for over a year to report the fraudulent account ... but regional acceptance kept sending back to XXXX  and XXXX  the the account belongs to me ... I never had a account with regional acceptance and I shouldnt be held responsible especially by me making 15 hours a week XXXX an hour! This is so wrong how they are doing me I will like to have them supeona and have them give all the washes the was sent in telling me how much I was making

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 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Submitted identity theft dispute provided the necessary documentation and seem to be getting the run around company keep asking for the same documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2021 I applied for a Bank of America cash rewards credit card. I applied once and the credit card was approved for XXXX USD. However they pulled my credit score more than once and I noticed that I have 3 hard inquiries the same date from the same bank dropping my credit score a lot. 

I tried calling and discussing with bank of America without success Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
Ive had my Target red card since 2017, clean payment history, never delinquent. I have automatic payments set up from my credit union checking account, currently I was paying the minimum payment. My balance was getting a little high and I didnt want to pay 22 % interest on my balance I saved 5 % on at tik of purchase. I logged into their mobile app, and using the SAME checking account the minimum payment has been coming from, and selected to pay balance in full. A couple of days went by and I received a notice that I was past due. They claimed my checking account was close and payment was rejected, and charged me {$30.00} in fees! I called an told them that is the same checking account the monthly payment has been coming from and it is not closed. I reviewed my checking account history and no debit attempt was made from Target. I called regarding the account which was now 5 days past due and I was treated like a delinquent! They read me the attempt to collect a debt verbiage and they flagged my account with collection verbiage. I spoke with an account rep and they lied and said no fees were charged to my account, but my transaction history shows I was charged {$30.00} in fees. I was told they couldnt reverse a late fee they couldnt see. I was furious, told them to process my payment in full and immediately close my account. I consider this activity fraudulent and was charged additional fees for no reason. They are taking advantage of there customer and not following fair debt practices. My checking account shows the pending payment in full, but my Target account stills shows I am delinquent! This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
My uncle from LA ( US ) sent me $ $ $ using xoom yesterday, I've been visiting the designated agents like XXXX, XXXX, but they are all having the same feedback on me which is ( transaction number not found and their system don't receive the remittance transfer yet ) tho my uncle already successfully sent it yesterday. We need the money asap because of emergency. Please help us. Frustrating. 
Sent date : XX/XX/2021 XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian score was XXXX on XX/XX/XXXX. Refinanced mortgage, shown paid in full on XX/XX/XXXX with positive status on Experian. At same time I received a notification from Experian that they dropped my score 15 points and another minutes later that dropped me from good to fair. Made over 12 attempts to contact Experian. Was able to get thru 2x. Both calls dropped after being bounced around and on hold for over hour each time. Then today XX/XX/XXXX received notification that report was updated and my new loan was reported dropping score another 3 points. I didn't cash out only refinanced the balance. Experian even states that paying off loans will raise score. I have nearly no debt and certainly less than I did when I refinanced. I had poor service from my servicer XXXX  prompting the refinance. Oddly enough my loan was sold 3x before my first payment was due and XXXX became my servicer again. There is a problem when score dropped 18 points in less than a month. Also the notification from XX/XX/XXXX were no longer there, but I saved them before disappeared.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filling a complaint about the inaccurate late payment the company reported on XX/XX/2020. The account is CAP1/L & T XXXX This account is listed as late on XX/XX/2020 in my XXXX  , XXXX  , and XXXX  report. I remember that during this month I spoke to XXXX  and XXXX  this is during the start of the pandemic that I was not able to access my money. I work in a hospital as a healthcare worker and was considered an essential worker as mandated by law. I was not going home during that time because of safety reasons. I called the company and let them know about my situation. They said that they will give me a grace period to make a payment on which I think is fair during that time. However, after I made a payment during the grace period they mention today I see a late payment reported in my credit report. 

This is the only late payment ever reported in the lifetime of my account. I thought that after giving you a heads up about my situation the company will able to compromise. I did my part on making payment despite the situation but I think the company has to honor their promise on not reporting this as late. I can not let them report derogatory information in my file. I need the late payment on XX/XX/2020 to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.

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 2021-02-11 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: DISCOVER BANK
State: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. XXXX/XXXX  {$1100.00} DISCOVER FINANCIAL SERVICES {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/21 my XXXX  loan from the XXXX  was ACH transferred to my personal account with Wells Fargo. My lender along with the XXXX  confirmed there would be no problem with this because i am the owner of the business, my social not the business ein number was used and i am a sole prop with a valid XXXX  meaning i am doing business as my business. Wells Fargo accepted this ach and then a day later placed a hold on my account and submitted a request for closure on my account. I called several times every agent i spoke with was extremely rude and continuously hung up in my face. I submitted all requested documents showing this was my business and i authorized these funds to go into my account with Wells Fargo. I provided Wells Fargo with my SBA contract my lender contract, ein issued by the irs and my XXXX  showing i am the sole owner of this business. I was initially told i once i submitted the documents showing this was business and these where my funds the hold would be released. I was then told the hold would not be released and they are holding my funds for 14 days then sending a check through the mail for the balance in the account. Wells Fargo has every right to close the account and do as they please with the closing of the account but they have no right to illegally hold my funds when i have provided all documentation it is a national pademic i was finally able to get assistance and now they are illegally holding funds. I will lose my business due to this those funds where to pay for the renting of my business space for which i was already behind in payments due to loss of income i will not be evicted and incur more fees due to the holding of These funds illegally. NEVER BANK WITH WELLS FARGO they have terrible customer service they do things illegally they discriminate against you and try to make you feel like a criminal and even after submitting all valid documentation they still feel they have the right to hold my funds. I should be allowed to get my funds and then they can close their sorry little accounts with their terrible customer service now i see why they where always in the news for doing so many illegal things!

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 2021-02-11 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. MACYS/DSNB {$1100.00} XXXX XXXX XXXX {$820.00}

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am a decade+ customer of US Bank . I have a checking, savings and business account with US bank. 
Us Bank has incessantly advertised its XXXX app on my banking accounts. 
It has suggested I use it for bills, transferring money and more. 
I see it in my login screen and as a suggestion in my mobile app. 
Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through XXXX. 
Believing the product must be reputable, the payment was sent. 
After sending, our friend asked us to send a screenshot. 
I found this odd, as we've done business several times. 
So I asked him to call me and when he refused, I found that his XXXX account was hacked. 
Within literal minutes of sending the payment, I called US Bank. 
They said XXXX is not their app, its a 3rd party and there was nothing they could do. 
I asked if they could NOT send the funds, because the funds WERE NOT SENT. 
They said no. 
I called XXXX, it had no options for fraud, for support and the system hung up on me twice. 
I called US Bank back and explained that we should have the ability to mitigate our losses, that US bank advertised this app in a way that made it seem like it was a part of their services and an app owned by them. 
They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. 
US bank has no stop payment No cancellation No communication with XXXX No CONTROL is provided to me, the customer defrauded by the app it touted. 
Now that I've been informed XXXX isn't part of US bank, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. 
This is extremely misleading. 
They should not be pushing an app that they can not offer protection when using. 
ESPECIALLY during an age where we are so vulnerable to cyber crime. 
I dont ' know what the CFPB can do, but this definitely deserves attention and investigation. US Bank should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it.

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