vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I was waiting on pending deposits for my account, every time I try to find a solution online the company ends up confusing me with more information than usual. When I call customer service, I'm told that the information I'm requesting can't be given to me, I can only see it online or I have to contact whom deposited in my account. The problem is that I'm in a group of beneficiaries that were going to receive grants. The information is public so individuals of that group can receive the grants. I don't know to do it & that's the reason I contact the company but I'm denied the help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-10 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: MA

Complaint narrative:
Equifax is reporting the XXXX  XXXX XXXX account on my credit report as a charge off and this is incorrect, I need equifax to fix this problem because this has affected my credit score really bad. There is also a balance on this account and this is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I was being double charged for overdraft fees on several occasions in which I was behind on bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: SC

Complaint narrative:
On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX to validate the account they are reporting on my credit report. The letter was returned to me as undeliverable. I responded to Equifax asking for the account to be deleted because the creditors address on my credit report was not valid and I could not request them to validate the account. Equifax responded stating that the account is valid and verified. This account is still being reported on credit report with the creditors information being invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX 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 2021-01-10 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: PA

Complaint narrative:
I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XX/XX/XXXX {$1300.00}XX/XX/XXXX {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 2. The following inquiry was made without my knowledge or consent XXXX XXXX Date of inquiry : XX/XX/2019 XXXX. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 4. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/2019 XXXX  : 1. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/2019 XXXX : 1. The following inquiry was made without my knowledge or consent XXXX  XXXX Date of inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX  data breach and may have got into the hands of the wrong individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
hi On XX/XX/XXXX sunday aftermoon. 
Me, my wife and my dougther we were together to deposit total of {$15000.00} cash at the atm of bank of america in XXXX XXXX XXXX. during the deposit the atm return two of {$100.00} and eat {$2300.00}. The next following monday XX/XX/XXXX I went in to bank ask them for help.I was expect they can check that atm right away. But they told me there is nothing they can do about it and told me to call the number on atm machine. while I go look for the number I notice that the atm we used to deposit has been shut down. I assume must something wrong with that atm machine. soon as I got home I call the number right away and file a claim of {$2700.00} ( cause the guy on the phone misunderstand what I said ). Afther almost a month and half XX/XX/XXXX I recvied a message from bank of america say they didn't find any additional money. They are took too long to solve the problem. I worry that atm might give the money to someone who withdrawal the money.

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 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought this card on friday the XXXX and cant activate my card I added XXXX dollars to this card which it was a gift for my daughter now she cant spend the money

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 2021-01-10 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: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX data breach and may have got into the hands of the wrong individual.

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 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a prepaid card from XXXX ( XXXX XXXX ). 

On XXXX XXXX I went to a Bank of America atm to withdraw {$800.00}. The machine had the option to get it in {$20.00} bills or {$50.00} bills, I chose to get it in {$50.00} bills and the machine gave me {$320.00} ( 16 {$20.00} bills instead of 16 {$50.00} bills ). 

Then tried again, thinking that it was a problem with not having {$50.00} bills, to withdraw {$200.00} in {$20.00} bills and it gave me {$120.00}. 

Asked for a receipt for both transactions but the machine didn't print them. Also, the machine went out of service after my transactions. I have photos of the out of service ATM and a photo of the ATM id #. 

Tried to reach BofA but they simply redirected me to my bank, XXXX XXXX. XXXX XXXX credited the account temporarily with {$480.00} for 1st transaction and {$80.00} for 2nd transaction ( XX/XX/2020 ), but after a month they took the money back ( XX/XX/2020 ). 
On XX/XX/XXXX, received an email from XXXX XXXX saying that there was no error, even though I gave them the ATM id and explained that it didnt gave me receipts and showed that the machine went out of service after my transactions. There must be some type of log that shows that after my transactions, the machine went out of service, and showing that the ATM had too much money in it. 


Had a negative balance since the credit was reversed until I received the 2nd stimulus, now only have {$55.00}, lost most of the relief stimulus because of a BofA ATM error that seemed to be ignored by both banks involved.

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 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
CFPB & Wells Fargo : XX/XX/XXXX I was awaken by a phone call saying my checking account has been charged-off, and it had a negative balance on it. After reviewing it with the agent who originally called we determined there was all-sorts of fraud on the account. ( XXXX, XXXX, XXXX, XXXX XXXX. ) so she immediately sent me over to a claims specialist. The claims specialist was able to open up all of the claim ( s ), when I requested for the account to be re-opened and my contact information be updated and new card to be mailed to my P.O Box he said he would send me to a phone banker to do so, and give them the claim ID for me for my records. 

None of that happened. I got to two agents ( phone banker, phone banker ''supervisor '' ) they both said there was an option to HARD REOPEN the account but it was ineligible. Due to the circumstances as I planned on moving over XXXX in assets to this account to use it as my personal account from here on out, I feel like this is a bad way to handle business. 

At this time, I'm requesting that either you guys re-open the account up and remove any freezes on it, mail me a new debit card with a new PIN ( to my P.O BOX. ), and revert any fee ( s ), and refund my money from the fraud claim ( s ) to the account. 

If you can't do any-of that I would like you to explain to the CFPB, and XXXX  why you can't do that. If all-else, you guys cut a check for whatever you owe me ( fraud, and fee ( s ). ) Updated Contact Information : XXXX XXXX XXXX - XXXX, TN XXXX ( Mailing Address. ) XXXX XXXX XXXX XXXX XXXX, TN XXXX ( Where I live. ) XXXX ( Mobile Phone Number ) XXXX ( Email ) My Information : Yes, I know it says not to but there is no field for it for Wells Fargo to ID me. Social is XXXX, Date Of Birth XX/XX/XXXX, this is in regards to my checking account that was charged-off, not the brokerage account.

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 2021-01-10 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: U.S. BANCORP
State: MN

Complaint narrative:
My credit went down 95 points due to my missed mortgage payments with US Bank in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very upset, either US Bank is not correctly reporting their wording and making this confusion, or XXXX is not retrieving the wording completely and accurately. I have proof from recordings of US Bank offering this program of no payment needed up to 180 days, because of the current COVID-19 pandemic, also stating it will not affect XXXX and credit scores for up to 180 days. I also have documentation proof of this in wording. 

I saw a significant negative impact on my credit score dropping 95 points because of these missed payments reported to the credit bureau during my forbearance plan. 

I opened up a dispute for XXXX and Credit Bureaus to investigate with US Bank for my mortgage in XXXX when I saw this huge negative impact and the reason is because of these missed payments during my forbearance plan. I'm not sure where the ball is dropping, but I just got an update on XX/XX/XXXX from XXXX stating : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' This is VERY unfair to me, as I was given false information from US Bank to go into this plan, being told I would be reported on time, to not affect my credit score negatively, and on a forbearance plan.

I have come off the COVID-19 plan now. When I spoke with Experian week of XX/XX/XXXX, they let me know that if I was on a forbearance plan, then they would remove this discrepancy and the negative impact that was made. Again, I was on a forebearance plan, and have documentation proof of this. One of the contacts at US Bank for sending me my forbearance notifications is XXXX XXXX, U.S. Bank Relationship Manager, at XXXX ext. XXXX. Please see attached documents from US Bank to reflect on their part for proof.

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 2021-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I mailed Ally Financial a cease and desist along with other legal forms advising them pursuant to 15 USC 1692c. ( c ), I was notifying them in writing that I refuse to pay this alleged debt, and I demanded that they cease all forms of communication with me through any and all mediums. 
A return receipt and USPS tracking number indicated the mail was signed and received on XX/XX/XXXX. 
I have received numerous calls from Ally Financial, with voicemails left after the mail was received with the most recent being today, XX/XX/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 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Placed an order with XXXX using my Chase Freedom card. Both items in the order did not arrive to me and tracking shows that one item was never picked up by XXXX and the other tracking shows that the item was returned to sender. 

Chase closed the dispute as in the sellers ( XXXX ) favor, despite both of the tracking numbers very clearly showing that neither of the two items in the order were delivered to me. How such a gross overlook of common information is allowed I dont understand - but the dispute department at Chase isnt even reachable over the weekends which is frustrating as I cant even reach someone on phone who can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I am a federally protected consumer and True Accord has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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:
I am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation