vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: KS

Complaint narrative:
US Bank Reliacard has ruined my life My card was frozen in XX/XX/XXXX. This card account held every penny I had to my name. I complied with their demands and sent proof of identity, proud of address, both current and previous, as well as a forwarding address that I was at currently, and account information for verification. I sent it by email. I sent it by fax. I have it to them verbally. This went on until XX/XX/XXXX! In that time, while my card was frozen, I could not eat. I was stranded out of state, 700 miles from home. I then lost my home and all my belongings because I had no way to get home, or pay my bills, for three months. They cost me everything. They eventually mailed me what appeared to be a check in late XXXX. However, upon trying to cash the check. I could not. After numerous calls to US Bank Reliacard, they finally informed me I must take the check to one of their US Bank branches in person. There is only one of their banks in the entire state, and it is still over four hours away. Which was impossible. I never did make it to a branch in person. 

In addition, my wife had just XXXX XXXX, I'm told. I was not there. I have had to continue this ridiculous process yet again in an effort to retrieve the funds from my wife 's account. This has gone on from XX/XX/XXXX up to today, XX/XX/XXXX. Four more months have passed and I send them POA, MPOA, Affidavit of heir, other notarized documents indicating my status as next of kin, Agent by proxy, and court stamped documents naming me Adminstrator off my wife 's estate. I have sent images of her social security card. Images of both our drivers licenses. I have sent them her death certificate. All have been sent over 20 times. Five times a month, for over for months. They have not replied to any single question I have asked. They have not acknowledged receipt of emails or documents. They have done absolutely nothing to resolve this problem. Did I mention my name is even on my wife 's account? " In care of '' ... My name, clearly on the account with my wife, and yet they continue to ignore my rights and obligations. 

US Bank Reliacard had literally cost me absolutely everything I possessed in the entire world and has had nothing to say about it at all.

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 2021-06-02 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Back in XXXX, I called equifax to have them look at my file and fix it, also called XXXX, and XXXX All 3 agencies will call the creditors and when the creditor says it is a legitimate debt. I know that most of the collections in my file is medical and they have allowed collectors to put date that they place it for collections, rather than the date of service. This is not fair practice as states have statue of limitations on all debts. Oklahoma is 3 years non contract and 5 for contracts and most of mine are out of statue of limitations. To be collected or sued on. I have brought this up several times and well the debt collection agencies seem to be able to do what ever they want to damage your well being even if you know the laws of your state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Mercedes Benz Financial Services
State: VA

Complaint narrative:
There are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX Account Number : XXXX  This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX  This is not mine.

10. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

11. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

12. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MO

Complaint narrative:
Follow up to complaint XXXX, which was closed without proper resolution. I have attached the additional documentation from the XXXX XXXX billing system showing that there was/is no balance owed. This billing data clearly states that there was no balance remaining after the {$22.00} that Americollect 's records show was paid to XXXX XXXX. Please remove the incorrect collection claims from the three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a deposit from the US Department of Treasury for {$280.00} which was suppose to credited to my account and still hasn't posted. The bank is Chase Bank. And the thing is they are trying to tell me old transactions took my money but the payment wasn't posted untilXX/XX/2021 and was suppose to be posted onXX/XX/2021. I am being told my money went to those transactions but when the transactions were made the money was taken right then. I feel that my money is being taken from me for the banks mess up. This is at Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: FC HoldCo LLC
State: TX

Complaint narrative:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

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 2021-06-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-06-02 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and running. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months bit i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
For over three months XXXX XXXX Has continually asked me for the same statements and information month after month. I have a XXXX FICO. 
I have never missed a payment in over 17 mortgages. 

I am only asking for time and terms on an existing 40 % XXXX XXXX 
XXXX XXXX is my loan officer. XXXX is one of her supervisors. 
I have been in constant contact with for three weeks trying to resolve this issue. 
He was the fourth such supervisor, or consumer advocate I have been in contact with to date. Incessant harassment for continuing to provide the same statement month after month. 
They are now increasing the cost of The Loan for each additional update to My loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: DISCOVER BANK
State: GA

Complaint narrative:
Date : XX/XX/2021 Amounts : 0 Actions : Close my account by Discover Bank I applied for a credit card on XX/XX/2021, and I provided all the information for the verification process. However, since I received the card on XX/XX/2021, this card was placed on hold and I never have an opportunity to use it. On XX/XX/2021, Discover Bank just send an email to me stating that " we have closed your Discover card account effective immediately ... We will report to the credit bureaus that the account was Closed by Grantor. '' Such closure was made without any details. 

Due to such closure, my credit score will be negatively affected. It is unfair because I do not have an opportunity to enjoy the benefit on this card while Discover bank puts my credit score at risk. 

Even though I have talked with Customer Service many times, they failed and refused to provide any details about the reason for closing. It will unfair for me to suffer from a reduction of credit rating without knowing the reason. 

Besides, such closing was made without any prior notification to me. I do not have an opportunity to provide further information to the Bank in order to protect my right to fair credit rating.

Such action has infringed my rights under Fair Credit Reporting Act. Such a report on closing my accounts will damage my credit score and further assessment of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
This bank is not reporting to the credit bureaus in a timely manner. 

The last time they reported was XX/XX/2021. My balance was $ XXXX The following payments are not shown at the credit bureaus and are keeping me from getting another car. 

XX/XX/2021 One-Time Payment Completed {$5400.00} XX/XX/2021 Payment Processing Center Completed {$19000.00} XX/XX/2021 Payment Processing Center Completed {$40000.00} The entire amount has been paid off and albeit the final payment was only 3 weeks ago, the other 2 payments on XX/XX/XXXX and XX/XX/XXXX were never reported to the bureaus. I have contacted Ally Auto and they have not responded.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IL

Complaint narrative:
to the company NETSPEND XXXX XXXX ; I received a card in the mail to my home address. I did not apply for this netspendXXXX XXXX. Nor it is my name.

Your ( NETSPEND ) customer service is frighteningly not assuring that there are no other accounts associated with my address and under any other fraudsters.

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 2021-06-02 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: FL

Complaint narrative:
Beginning XX/XX/2020, I have sent several letters to Experian in regards to erroneous and fraudulent items on my credit report, I also requested and updated report with each letter, every time I waited more than 45 days for a response from them and I never received a response from any of the letters I have sent. I am including a copy of the letters along with the return receipt showing they received each letter. 

I realize they get hundreds of letters and Covid has also impacted everyone, but I had fraud in my personal bank account, my XXXX  account to name a few then, I find out I have all of these fraudulent accounts on my credit report too and when I tried to get it investigated properly and fixed through Experian they totally ignored them. I have continuously tried to get these investigated properly by Experian to no avail.

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 2021-06-02 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
We have contacted XXXX XXXX XXXX several time concerning the account that it was opened Fraudulently, XXXX XXXX sent it to Midland Collection company as a collection account and we have contacted Midland several times letting them know that we reported this as a fraud account. We can not get any closer from XXXX XXXX or Midland Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been attempting to withdraw my funds from Coinbase for several days but every tine am told XXXX XXXX  account isnt linked and I need to relink it. However when I try to do that, it tells me the account is already linked. 

It should be noted that there are no issues when depositing funds, somehow the issues miraculously appear only when attempting to withdraw. 

I would also like to note that there is no way to get on the phone with the company, which is unacceptable for a public financial institution with a market cap of around {$100.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MoneyLion Inc.
State: CO

Complaint narrative:
On XX/XX/2021 I received an email stating that my " MoneyLion XXXX XXXX '' accounthad been approved. I never applied for this account. I was able to access the website, which used my email address as my user name and I chose " forgot password '' so I could change it and access the account. I found out that someone had fraudulently applied for and got approved for an account in my name, using an old address that I haven't lived at for over 5 years. There was a {$190.00} available balance with a routing number of XXXX ( I have no accounts with that routing number ). I immediately contacted MoneyLion customer service and reported this as fraud, and they sent me an email confirming that the account was closed on XX/XX/XXXX at approximately XXXX XXXX MST. It was odd too because the customer service representative started asking me for very personal information, including my date of birth and social security number, so she could make sure she was closing the " right account ''. I informed her that she should already have this information and I refused to give it to her over the phone. I also locked my credit at that time with all three major bureaus. Since then, I have been receiving numerous emails from Moneylion asking me to " activate '' my card, etc. I have forwarded these emails to MoneyLion customer service asking them to stop sending them to me since the account was purportedly closed.

Company response to consumer: Closed with explanation