vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/20 I found out from an email from Capital One that I had missed my payment that had been due on XX/XX/20. I immediately took action and made a {$300.00} payment through my online bank account. The minimum payment was {$25.00} on a {$710.00} balance. This was the first time I had missed a payment, and the first moment that I realized a payment was missed. What I am complaining about is that Capital One completely locked down my credit card over this one missed {$25.00} payment on a {$710.00} balance. I was charged a {$25.00} late fee, and I am OK with that because I did miss the payment, however, I think Capital One 's reaction of locking the card down was harsh and an abuse of a consumer. This over-the-top reaction caused me some problems when companies I used the credit card with tried to get payment for my purchases after Capital One had locked the card down. I also ran into problems trying to use the card at the point of sale as it was being declined and I still had no idea what was going on with it because I was never notified by writing, phone or text, that they had locked down my card because of a late {$25.00} payment. I have had this card for many years, and my payment history is very good, and I have never just made the minimum required payment, it has always been much more than the minimum. Nowhere can I find in the card user agreement that the card would be locked down in the event of missing a single payment, especially a low payment and low balance, and after only a few days. I ended up closing the Capital One account because of this, but how many people have they abused during this pandemic when many people will find it necessary to either miss a payment or be a little late, but still rely on being able to use their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
It is a national pandemic. Everyone is infoming us consumers that we can deferr payments but yet when I do it, Santander reported me late XX/XX/XXXX. 

How can this be allowed with a pandemic going on. I am on unemployment and out of work. Santander knows this, they are the ones that said do not worry we are not reporting late payments during the pandemic. 

Now I am going back and fourth with the Credit Bureaus telling them its a pandemic and they are reporting me late and my account is paid up as agreed. This is too much, I have a family to take care of and need to move during this pandemic to downsize. I can not do that because I have this late payment reporting during this national pandemic. I need some help someone has to help me. I have been writing and calling the credit bureaus and they are not helping me at all. If you look at my credit report you will see that I have never been late in XXXX. This does not make since i pay my bills take this error off. it is a pandemic and they shoul not be doing this tome!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX2020 I XXXX  my home and my Wells Fargo mortgage account was closed. I recently ran my credit report and discovered Wells Fargo reported I had a late mortgage payment in XXXX and XXXX of 2020. Wells Fargo changed the amount of my impounds for my mortgage payment in XXXX of 2020. I have my bank automatically pay Wells Fargo every month as I have had for years and made my scheduled payments in XXXX and XXXX of 2020. I discovered the problem in XXXX with Wells Fargo customer service and rectified the payments. Wells Fargo did not inform me they reported my payments as late for XXXX and XXXX. I contacted Wells Fargo customer service on XX/XX/XXXX20 and was told if my loan was still active they would remove their inaccurate report of late payments, but because my account is now closed they could not. I have never made one late payment to Wells Fargo or to any lender. I do not believe Wells Fargo should not resolve the inaccurate reporting just because my loan is now closed. I respectfully request Wells Fargo notify the credit agencies of the mistake and have it removed from my credit report.

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 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Services were provided following confirmation that my private XXXX  insurance XXXX XXXX XXXX XXXX would cover same. Did not receive any phone call about the provider having issues with collecting payment from my XXXX XXXX. I did not receive communication in regards from XXXX XXXX. I received one bill from collection agency before account was sent to collections without any notice or request for dispute. I called provider today and was told that she didn't call me because " she doesn't have time to call patients about their bills. '' I was told she generally mails 3 invoices and then sends accounts to collections and that is enough. I was not told why they had trouble collecting from insurance or that there was something I could do to assist with collecting payment prior to sending to collections. I contacted my insurance carrier today and was told that they erroneously believed that I was a XXXX recipient ( I'm only XXXX years old ) and did not pay for the entire bill for that reason. XXXX XXXX XXXX XXXX XXXX let me know that the claim would be resubmitted and paid for. I was given confirmation # XXXX for payment confirmation of the outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Credit line with 5/3 bank since 2011. During COVID pandemic really trying to stay on top of payments and improve credit limit. Online banking amount that showed amount due always met and made by due date. However apparently what amount showed was not amount due at time. No notices, phone calls, emails. 5/3 Manager just stated that ran credit history and due to report they decreased credit limit by over {$1300.00} in XXXX swoop. No notification prior to change, letter apparently sent out day of ... .still waiting on that. However decrease was automatically lower than the up to date balance automatically placing me BELOW the alotted credit limit and therefore now have a negative balance which has already taken effect on my credit score!! No purchases made on card except one yearly membership due to trying to pay down credit and get our of debit. All determined focus in trying to improve my credit score has been crushed with one drop of XXXX points by this. No warning, no notice, just cut without reason!! In a World Wide pandemic and good pay history with company after almost 10yrs, this is how I am rewarded. I am more than frustrated that this can just happen. Where is the backing to the consumer ... ... I can understand if I hadnt made payments or there was a justified reason but this is really disheartening and now my credit score and livelyhood moving forward with XXXX XXXX  kids is just left to deal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
On today XX/XX/XXXX, I went to my bank to withdraw funds that were deposited from the SBA small business loan that I was approved for. 

Everything was fine, the teller asked me how I wanted my bills, and while she was counting, the assistant branch manager, placed a hold on my funds at that very moment. 

The assistant started asking me if I even had a business and that she needed to see proof of my business in order to release my funds. 

I called customer service and they were not familiar with any policy requiring a customer to prove they have a business before withdrawing funds and that the assistant branch manager had just placed the hold on it when I was sitting waiting on the bills to be disbursed. 

I was racially profiled and denied access to my funds and they will not release my funds until I show proof of my EIN and business license. 

The bank didnt provide my loan and I dont feel comfortable providing my business information on a personal account. 

This is unfair treatment and I am certain illegal practice. 

The assistant manager refused to provide the branch managed phone number or any other phone number to allow me to dispute, escalate, or file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Your new policy makes it so I can noy connect mu account to XXXX which I need to get my child a debt card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2020-07-30 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: NY

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 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
AssetCare, a collection agency, has recently reported a 6-year old alleged debt for the first time to my credit report ( at the height of the pandemic ). I just recently had another medical debt from this same debt collector - and same exact original creditor - for the same exact amount taken off more than two months ago! In that case, my insurance company had not paid a claim and it was resolved quickly after the insurance company agreed to pay the original creditor. I almost mistook this account for the same account being placed back on my report, but apparently this newest credit report account is for a different hospital. I find this highly suspicious that they purchased a 6-year old debt from the same exact original creditor for a different hospital ( the service dates are 4 years apart ) immediately after they were not able to get the payment they wanted for the first account. 

Additionally, this time, after doing a similar investigation that I did to determine the cause of the first credit report entry, there is no apparent debt! Every single person I have contacted, including the original creditor and the billing dept. at the hospital, has stated that they are not aware of any debt or accounts sent to collections. To the contrary, all stated explicitly that my insurance approved and paid out all claims for the service dates mentioned by the collection agency. I also checked my online account for the insurance company and found the same exact conclusion. All claims are approved for this hospital on the service dates in question. It is extremely unlikely that one entity of this hospital would not have had my insurance information while all others did. I have found no evidence of this either. 

Interestingly, after contacting AssetCare, they do not have any information about this debt. They couldn't or didn't want to give me the original creditor 's phone number and the name of the seller of this debt. I have submitted a formal request for bill itemization in conjunction with this complaint. 

A CFPB agent that I discussed the details of this case over the phone also immediately sensed " red flags '' about the story. This case and AssetCare LLC should be investigated for possible unlawful tactics related to seeking and buying debts that are highly questionable simply because they have recently encountered and compiled information on a person. One should not have to fight to clear harmful entries on a credit report because of intentional credit report " mistakes '' a collection agency makes in hopes to get a lucky payment from someone that should not be paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I try to reach out to CONSUMER PORTFOLIO SERVICES to let them know that I had a cease and desist order regarding my credit being ran.YOUR NAME XXXX XXXX XXXX ON XX/XX/2020 I WENT TO XXXX XXXX DELIVERED A CEASE AND DESIST LETTER TELLING THEM NOT TO RUN MY CREDIT AS A RESULT MY CREDIT WAS RAN MULTIPLE TIMES.I TRY TO ADDRESS THE CONCERN WITH CREDITORS LETTING THEM KNOW THE AUTO DEALERSHIP VIOLATED THE CEASE AND DESIST ORDER.I CURRENTLY HAVE A PENDING COURT CASE XX/XX/2020 RESULTING THE VIOLATION OF THE CEASE AND DESIST ORDER.I TRY TO CONTACT CONSUMER PORTFOLIO SERVICES LETTING THEM KNOW I WANT TO ALL DISPUTE AFTER XX/XX/2020 BECAUSE IT WAS IN VIOLATION OF THE DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
on XXXX and XX/XX/XXXX someone managed to clone my debit card and withdrew a total of {$3000.00} from the same ATM at a local XXXX. Navy Federal failed to detect fraudulent activity even though the perpetrators entered my pin incorrectly at least once and the transactions were way past my spending habits. on XX/XX/XXXX the perpetrator attempted to withdraw some more money but it was then when Navy Federal detected fraudulent activity and notified me via text followed by a phone call. I checked my purse to make sure my card was still there and indeed my card hadnt been stolen or misplaced so I had no idea how this was happening. The representative deactivated my card and went over my last 3-5 transactions but failed to notify me that money had already been taken out at that same ATM where they detected the fraud. It wasn't Until I went to the actual branch on XX/XX/XXXX to deposit a check when I noticed I had a lot less money than I thought I had and reported the fraud to someone at the branch who helped me open a fraud claim. It was that weekend where my claim was denied so i got the police involved and on XX/XX/XXXX I had to take off work and had a police officer dispatched to me to that same ATM location to investigate what I reported. The officer witnessed more than one individual conducting these transactions and therefor opened an investigation. I provided a police verification report to navy federal in order to appeal their decision and was denied again based on them saying " my actual chip was used '' I provided a redacted version of the police report where it states in detail what the officer saw and Navy Federal still refuses to be responsible for the {$3000.00} that were stolen from me. Every single time I call they are not helpful and arent specific on what documentation they need from me in order to prove these transactions were not done with my original debit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}

Company response to consumer: Closed with explanation