vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to Transunion beginning XX/XX/2020 to dispute unverified and inaccurate information and accounts on my credit report, despite sending five dispute notices they still did not fix the inaccurate and unverified accounts on my credit report. I told them I would sue them ( which I am serious about if they do not correct the inaccurate and unverified accounts ) this got their attention which they asked for more documents. I sent them all the documents they had listed and requested but before they received the documents they stated they completed the investigation and everything was verified. I know this could not be true because they had not received what they asked for and they still said the documents were not correct. I highlighted the information they requested and resent it but before they got it again they said they completed the investigation and the information was verified. I asked the who verified the information which I am entitled to under section 611 ( a ) ( 7 ) per FCRA and no response.Transunion is refusing to perform a proper investigation per the FCRA which is a federal LAW. I have no choice but to file a lawsuit I just wanted to see if you can help before I file a lawsuit to exercise my right to a fair and proper investigation into unverified and inaccurate accounts on my credit report. I hope you can help! I have attached documents sent and received from Transunion

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 2020-07-23 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: VA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : 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 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I received a covid-19. Assistance differed payment for XXXX XXXX and XXXX. Well it should not be reporting XXXX and XXXX late on credit bureau please report correctly I will monitor this account very closely and a attorney is doing all the research and paperwork on this account. But for now since I differed XXXX XXXX and XXXX. Should not be reporting late. Copies been sent to credit bureaus and XXXX XXXX XXXX please make XXXX, XXXX, XXXX current thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
My Discover Card payment for {$35.00} was not applied to my XX/XX/2020 - XX/XX/2020 statement after enrolling in a Payment Assistant Program due to Hardship and COVID 19, in which I am affected by. My payment was postdated, and mailed off on XX/XX/2020 at XXXX XXXX  USPS Post Office in XXXX XXXX. The program lowers the interest rate, and allows me to keep the credit card open for the year the program is in affect. The held back payment of {$35.00} that Discover Card refuse to apply cause the balance to go up to {$950.00}, when it should be {$900.00} with late fee deductions, returned check fees, and a miscellaneous fee of {$11.00} for no reason placed under payments and credits. The program began for me XX/XX/2020, and they received my XX/XX/2020 payment on time from the same post office. I let them know I will make my payments by mail, or money services. Discover Card Services violated the Federal Equal Opportunity Act Notice discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XXXX XXXX I made a payment to US bank towards my boat loan in the amount of {$240.00}, however I made the mistake and paid it towards principle. I got a call XX/XX/2020 that I owed {$470.00} toward my payment. So I made that payment of {$470.00}. I also called to have the payment of {$240.00} applied to my monthly payment instead of principle so I could get ahead on payments. They told me they would do that and waived the late fee of {$25.00}. I spoke with a women name XXXX in the collection department that said she would make the {$240.00} as a monthly payment. I did this so I wouldn't owe anything and the collection department would not call me. However XXXX did make the transaction for {$240.00} towards my monthly payment, but also reverse my payment of {$470.00}. So on XX/XX/2020 the collection department starts to call my place of employment asking for another payment because my loan has not been paid on time and my account was in collection. Now I have spoke with XXXX employee ID XXXX and he said that he does not know when my money will be refunded or where it happen to go and can not give me a definite time line on when my account will be brought to current and paid in full loan or get my reverse payment back. So I have spent {$710.00} into this loan and they still have it as I owe money and are calling my place of employment. I have not received the refund that they said was reversed nor have I seen the {$240.00} that they said would apply towards my monthly payment. I can not get any committed answers from the bank. Also when I call and say can I talk to a supervisor they either say I am a Sr banker and I am the supervisor or they transfer me to another person that is not the supervisor. I am currently 15 days late and do not want this to go on my credit report because I am buying a house XX/XX/XXXX and I do not want to lose the loan for this house due to the lack of professionalism that I have experienced with this US bank.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I received a robo call from Chase bank about " my account. '' I don't have any accounts with Chase. The phone number they used was XXXX. The XXXX prefix is usually XXXX XXXX XXXX cell numbers in Idaho.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 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: IL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.

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 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Previously have filed 2 complaints as Ally financial first held the payoff and now has no idea with what they did with the title for the vehicle that has been paid off. Complaint filed on XX/XX/20. Ally has done nothing but now calls and tortures us since we filed a complaint. We are getting called after hours XXXX XXXX  by XXXX  who does not have a last name just to inform us that he has no information and that the person looking at our file is out of the office. He was just calling so that he can document that he called. When asked again why he is then calling us he yelled, talked over us and we were advised that a supervisor was not available as it is after hours we had to continue to ask for the information and XXXX  hung up on us. We called back and again asked for a supervisor 's info we were told it is XXXX and then he tried to give us a general automated #. 

XXXX 's direct phone # is XXXX He doesn't actually have the ability to look at or resolve anything though he also said he reviewed the information so I am not sure which is true. If you ask anything he laughs at you and is condescending. He will also hang up on you. 

His supervisor XXXX is XXXX. Not available but we can leave a message.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I currently have two credit cards with Chase bank that both have an annual fee. I recently applied to have Military Lending Act benefits applied to these accounts starting on XXXX XXXX, XXXX since this was the compliance date for eligible credit card accounts. Both these accounts were opened in XXXX and I started my enlistment in the military in XXXX. I am currently still XXXX XXXX without a break in service so I know Service Members Civil Relief Act does not apply. 

I reached out to Chase via secure messaging and they responded that my accounts did not qualify for Military Lending Act benefits because they did not originate on or after XXXX XXXX, XXXX. My response was to question this date because it is not outlined in the guidance that I found online via the FDIC website and the Comptrollers Compliance handbook. Additionally, I specifically asked where the federal guidance stated that credit cards had to be opened after the compliance date of XXXX XXXX, XXXX. 

The way I read the guidance a credit card is eligible for Military Lending Act benefits if it was opened after the service member joined the military. The bank was not required to evaluate and apply these benefits to these credit cards in regards to interest and annual fees until XXXX XXXX, XXXX. I explained this several times to Chase via secure messaging and to a military account specialist via telephone. Their response was that their lawyers had looked into it and that they were in compliance. They also said they have no control over applying these benefits to my account, that the account is evaluated for them when it is opened. I said I am asking for the benefits now since I was not aware that my account was eligible until now and that they would have never looked at these accounts for eligibility because they were opened before credit card accounts we added to the Military Lending Act. They simply responded by saying this only happens if I opened them after XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am closing my savings account with Capital one because I believe that I can't trust Capital one bank as they had allowed a Merchant to fabricate and take funds out of my account of {$150.00}, I contacted the FBI, Comptroller of Currency and the Federal Trade Commission. Therefore I am closing my savings account and want Capital one to close it permanently. This is a new complaint. 

I believe that Capital one is in conspiracy with XXXX XXXX XXXX and a member of the XXXX XXXX XXXX member organization with the Merchant, XXXX XXXX, and co conspired to steal {$150.00}. Capital One Bank and XXXX XXXX pay a fee to XXXX XXXX XXXX  to receive A+ ratings to defy consumers who have complaints against these businesses. Capital one bank did a fraudulent investigation regarding my dispute and allowed a Merchant to steal {$150.00} out of my account which I have no control. 
I have emails from XXXX  President that a refund is a return from XXXX XXXX of {$150.00} however Capital one is going to return the refund back to XXXX XXXX  ( See attached ). 
Another email XXXX XXXX sent to XXXX XXXX XXXX CEO ( See attached ) It is all a scam- Capital one is a part of a scam and I can't trust them with my money because they are a part of XXXX XXXX XXXX making deals because they are members of XXXX. The customers are not important, Capital one needs to be investigated for poor practices and policies. 

I believe that Capital one discriminates against the protected class, too. Capital one bank needs to be investigated for their practices and their connections with the XXXX XXXX XXXX I received a letter from the XXXX XXXX XXXX President that the money is going to be return back to me from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: UT

Complaint narrative:
XXXX is trying to collect on a debt that was identity theft. I have sent them several documents told them and several of their collection people who are coming to the my house that it was fraud. I have sent them documentation as well. It's on my credit report they won't remove it. The last report I filed they said that wasn't even their account. As far as I know I think the vehicle they may be looking for has been wrecked and destroy. I do know this was identity theft and I never took a loan out with them. We have a car that is similar in description and I'm afraid they may try and take it and make a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
These are not my accounts. 3rd request..

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My wife was released from Bankruptcy by NationStar/Mr. Cooper in XXXX XXXX. Nothing outstanding and approved by lawyers from both parties. In XX/XX/XXXX, we see that we are a payment behind stemming from error made XXXX XXXX and are now getting fees. After 4 months, a member of the Mr. Cooper escalations team found a " reversed payment, '' incorrectly added to account while our payment for that month was processed and no monies returned. This was found on XX/XX/XXXX and noted by Mr. COOPER. XXXX XXXX looked and submitted statements to Mr. Cooper which they have in their posssesion which added to that days notes. I call at least 4 times a month with nothing but another research request which takes 3-5 days for response. I also get letters saying allow 30 and additional 15 days to research. I've received 4 of those letters with no response. Its showing one month behind with hundreds in fees. How is it that the payment behind is more than what I was paying then? I'm held hostage with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: VA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-23 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: CA

Complaint narrative:
These are not my accounts.

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