vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-26 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:
On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the XXXX data breach and those accounts need to remove ASAP or I will file a litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: LA

Complaint narrative:
My Reliacard account card ID XXXX my Name is XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Address XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX My dispute resolution for fraudulent transactions and identity theft of my Louisiana state unemployment benefits deposited into my us bank reliacard account was stolen. The dispute resolution of fraudulent transactions case was resolved and considered closed and the funds were put back into my account after following and completing the entire dispute resolution process. US bank reliacard account customer service then locked my account from assessing my funds immediately after depositing the funds back into my account. They initiated an account verification process to verify my identity. I then gather all the required documents to submit to them that were required to unlock my account and verify my identity. I was given 3 options of verifying my identity by uploading the documents to there website which I couldnt do they restricted assess of my online account so I couldnt login in order to upload the documents. 2. Was by fax 3. Was by Mail. I faxed the required documents to cardholder services ID CHECK/ VERIFICATION. I faxed my State ID, Social security card, and my XXXX W2. They received my documents and verified the documents I faxed but still havent taken the restrictions off my account. They have now taken the money out of my account from my dispute resolution case which was considered closed and reconciled after I faxed the required documents needed to not verifying my identity even though I have.

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 monetary relief
Consumer complaint received 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have called the customer service of Elan Financial many times and they Represented/Told me what amount to pay in FULL so that I do not pay any interest. I HAVE {$0.00} PAST DUE. I EXACTLY PAID WHAT CUSTOMER SERVICE REPRESENTED TO ME AS TO WHAT I NEEDED TO PAY " IN FULL '' BEFORE THE DUE DATE " SO THAT I DO NOT PAY INTEREST ''. YET ELAN FINANCIAL CHARGED ME {$81.00} INTEREST IN MY XXXX STATEMENT, WITHOUT ANY REASON AND AGAINST THEIR CUSTOMER SERVICE 'S REPRESENTATIONS.

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 monetary relief
Consumer complaint received 2020-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
They continue to harrass my family keep calling them hours of the morning and night I never gave them their information! I told them numberous times to stop! They continue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
1. We have a 3rd floor condo in a mixed use retail, professional office and residential building in XXXX,XX/XX/XXXX We were notified by US Bank in XXXX this year that flood insurance would be required. We have a first lien HELOC with US Bank on this condo. It was opened about 10 years ago. 

2. We informed US Bank that we would like to close the account in late XXXX rather than secure a flood insurance policy for over {$1000.00}. 

3. US Bank 's insurance division then put " forced place '' flood insurance on our condo, and billed us for the annual premium of {$1000.00} in XX/XX/XXXX. We spoke to various US Bank divisions and representatives in XXXX and XXXX explaining that we had closed the account and should not be held liable for the flood insurance premium. On one occasion speaking with the insurance division rep, he said that if the account was closed, we indeed wlll not be liable for the premium, but as his system was down, he could not verify tha the HELOC account system was reflecting the account as closed. He said he would notify the HELOC division that we indeed had requested to close the account, and he said he would update our account notes once the system came back up. 

5. We continue to be told by the US Bank HELOC unit that we still owe the {$1000.00} premium. Plus they have not given us an accurate pay-off amount and continue to bill us for nominal accrued interest. Our XX/XX/XXXX statement shows we had an outstanding balance of {$4.00} in XXXX that we remitted {$4.00} XXXX ( check cashed ) and it says we still owe {$4.00}. 

6. We are simply seeking to close our first lien HELOC. US Bank has not been able to do that and they are continuing to bill us even though we paid off the {$4.00} outstanding a, and they continue to tell us we owe the flood insurance premium. 

We are working professionals who own multiple homes and this has taken an inordinate amount of time to simply close our account. We ask you help in closing the account and resolving the annual flood premium liability that was forced on us. We offered to pay a pro-rated amount of the insurance premium to expedite the closure but US Bank could not calculate that and bounced us from one unit to another over a period of two hours today.

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 monetary relief
Consumer complaint received 2020-11-26 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
FOLLOW SUIT LETTER To Whom this may concern : I recently challenged the validity of XXXX account that's being reported on my recent credit report. Upon challenged this, XXXX XXXX DELETED the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verify the same account. It is my understanding the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Block, Inc.
State: TN

Complaint narrative:
Square INC and or its subsidiaries and banks have maliciously put my business name and my name/social security number on the MATCH/TMF list, hence marking myself and or my business XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX blacklisted from obtaining a merchant processing account. 

I do have knowledge of my previous SQUARE INC account under the email address of XXXX ; where a foreign imposter gained access to credit card processing and attempted to process several fraudulent credit card transactions. These fraudulent transactions were unknown to me until after they had occurred, furthermore, now I am blacklisted I have a business where I potentially can bring in {$28.00} Million in credit transactions per year but I am being blocked from doing so. I never intend to ever do business with SQUARE INC since this egregious action by SQUARE INC was committed. 

Hereby the legal team at XXXX XXXX and its executive officers DEMAND SQUARE INC remove me, and all companies from the MATCH/TMF list promptly. This will be the final warning before federal litigation will occur. 

/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I established an account with Cash App back in XXXX with an initial deposit of {$2000.00}. On XX/XX/XXXX I noticed my money was not reflecting on the app. When I tried to use my card it was declined. There is no phone number to speak with a representative so I had to email and inquiry. I was told my account had been closed out and I had to create a new one to verify my identity. I did not close my account and I have no idea where my money went. I have been going in circles with Cash App customer support for weeks now. I keep receiving the same email to verify my identity and when I do so they transfer my investigation to another employee. I have been assigned around 15 different people only to keep sending me the same email. I have requested a transaction history to try to track down my money and they refuse to provide it. I have read numerous consumer complaints of the same thing happening to other people and cash app refuses to cooperate by sending people in circles in hopes that they give up. I am a senior citizen and I have been scammed. It is a shame this company has been able to get away with such poor service. I am starting to think they are scamming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been going back and fourth between The EDD and the BOA taking turns waiting and verifying every time I get transferred and then get put on hold and either get hung up on. Or they tell me to call my sponsor. I call my sponsor they tell me call the BOA. All day long for three weeks straight. I have contacted Assembly Man XXXX XXXX abut this matter. I have been treated rudely, I have been hung up on after waiting on hold for over 2 and a half hours every time. Just to be hung up on. I had payments sent to that account and during the time my card was locked and pending verification. Well any funds that where put there between and XXXX all the way until XX/XX/XXXX I believe. The bank did not start denying payments from the EDD as of XX/XX/XXXX. It is really plain to see that my card was locked and funds were being removed. If the account was locked and card locked how did the funds get moved. I am tired of getting a run around I really need my payments and think it is really unfair that I have been waiting a very long time for my payments and here it is now XXXX about to be XXXX and still waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I was offered a {$1500.00}. Loan from Mobiloans that I accepted, however, a month before the entire loan was to be paid off. Mobiloans placed an additional {$500.00} on my account in XX/XX/2019 that I did not request. 

The {$500.00} made the loan to be {$2000.00}. Nonetheless, when I declined the additional {$500.00} and submitted a letter informing them that I did not request or need any more money, they placed it on my account anyways and therefore, this was without my permission. 

I have called the company several times and communicated with someone in customer services and I was informed that they had received my letters of complaint and someone was looking into it. Recently, I did a credit check and found out, Mobiloan place a mark on my credit report, stating that I owe them. 

They owe me with the high percentages rates and over charging for a few dollars. I paid the {$1500.00}. Owed to them, and I should not have a mark on my credit from this company. 

I did not or needed any more money, but they put it on my account as if I requested it and was debiting money from my account that I do not owe and now this company has made my credit bad. I want this company to resolve this issue and fix my credit report that they destroyed.

Company response to consumer: Untimely response