vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-27 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MO

Complaint narrative:
I received a ReliaCard from us bank for UNemployment insurance. I never filed unemployment and I dont know why I got this card. Company is not helpful

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 2020-09-27 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I've tried reaching out to Comenity Bank Victoria Secret Credit Card Services due to status not updated on my credit reports for XXXX, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of Comenity Bank cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial has reported myself as charge-off account, despite my numerous requests for negotiation and proof on the debt. This is happening during the covid19 pandemic and GM financial refuses to abide by gov't direction to work with impacted consumers.

GM Financial has reported my account 120 days late in XX/XX/2020, no prior notices or 30, 60, 90 days late process ( jumped directly to 120 days, with no notice or consumer notification to allow me time to address in correct legal fashion as per FCRA, FCCA.

GM Financial continues to violate/damage my credit standing in an attempt to force there agenda of aggressive actions, and force me to bend to there demands and tactics.

How can GM Financial continue to not follow

prescribed US govt directions during these troubled Covid19 times?? Where is the help to impacted consumers? where is the corporate humanity? 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Corporation purchased my mortgage from XXXX XXXX in XXXX of XXXX. I had my monthly payments to XXXX set up on auto-payment and never received a letter of transfer when the mortgage was sold to PHH. I received no notification of late payment from PHH ( no letter, no phone call ), nor any communication from XXXX, and XXXX  clearly failed to forward my auto-payment to PHH. In XX/XX/XXXX, I was notified by a credit-watch program that my credit had a delinquency, which is how I discovered the mortgage had been sold to PHH. At that time, XX/XX/XXXX, I paid the balance in full and updated the auto-pay to PHH. Payments have been on-time ever since. 
During these difficult times of COVID, you would think PHH would be grateful to have a steady customer who pays their mortgage on time each month. Given this error of receiving no notification of transfer, my perfect credit has now taken a tremendous hit, which is significantly and negatively impacting my ability to obtain new  leverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Not able to get a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX, banker, opened my account and made several mistakes. She told me it was a {$200.00}. XXXX ASKED IF I WANTED ONLINE STATEMENTS AND SIGNED ME UP WHEN OPENING ACCOUNT-NEVER TELLING ME I HAD TO SIGN UP OR WOULD LOOSE PROMO OR I WOULD HAVE. Promotion NOT {$300.00}. Promo, ONLY After required direct deposits were met ( which  XXXX never informed me of an amount or number ), I asked if I could switch to a student account and would still get {$200.00} Promotion, XXXX said : Yes. XXXX, XXXX branch banker, emailed XXXX that I should not talk to XXXX anymore-I was  getting All Wrong Information. Also to prove I did everything right, in US Bank 's response to CFPB said I needed to sign up on website for online statements-I HAD NEVER BEEN CHARGED  THE {$2.00} STATEMENT FEE UNTIL NOW. ALSO XXXX, BANKER, CHANGED MY ACCOUNT TO ONLINE BANKING IN XXXX THEN WHY WAS I NOT CHARGED THE PAPER STATEMENT FEE BEFORE AND I SHOULD NOT HAVE BEEN NOW BECAUSE I AM SIGNED UP SEVERAL WAYS FOR ONLINE BANKING. US BANK NEEDS TO TAKE RESPONSIBILITY FOR XXXX 'S MISTAKES BY NOT KNOWING THAT THE PROMOTION WAS EVEN FOR {$300.00}. AGAIN IF XXXX TOLD ME I NEEDED TO SIGN UP I WOULD HAVE BUT SHE DID NOT.

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 2020-09-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a consumer alert from my XXXX  Privacy Assist Member Services. That a possible suspicious account activity has appeared on my credit reports for SYNCB/PPC credit card account was opened using my identity. Until the alert I was totally unaware of the account. Why? Because i never received any form of direct correspondence regarding the existence of the account. Nor have I ever received any card, electronic or paper mail correspondence. The credit reports indicated who ever opened the account was making payments on fraudulent charges made, starting in XX/XX/XXXX. And stopped making further payments as of XXXX, XXXX. Leaving a delinquent balance in XXXX, XXXX of {$3600.00}. I attempted to call the creditor. But since I had no supporting proof of account ownership. And/or unable to reach an actual human. I am left at this stage to challenge what has happen.

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 2020-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've tried reaching out to XXXX XXXX  XXXX XXXX Credit Card Services due to status not updated on my credit reports for TransUnion, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of XXXX XXXX cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.

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 2020-09-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've tried reaching out to XXXX XXXX XXXX XXXX Credit Card Services due to status not updated on my credit reports for XXXX, XXXX, and Experian. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of XXXX XXXX cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX I got a credit card with saks Fifth Avenue, I was {$100.00} in debt with them I called them to make a rangement and they said my card will not be close, the next day someone from capital One call me from the corporate office telling me that the whole balance will be taken care of {$510.00}. Until this day capital one is reporting this all my credit report after they said they will cover the whole {$510.00}, because they made the mistake for closing my card after they said my card will not be close and I can make the payment for the XXXX dollarse to catch up my payment!! Capital one still have this on credit report as today!! The corporate office said they XXXX out the whole bill and they lie, because someone told me this and they Sorry for the inconvenience and they will make good one not charging me the {$510.00}. This was in XXXX when one of Capital one representatives from the corporate office said they will not bill me for the {$510.00} that it will be XXXX out!!! I am so upset because they lied to me and here it is XXXX and I still have it on my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
My name is XXXX XXXX. I am writing in regard to HSBC Banks unfair, racially distorted, and demoralization of ones disabilitybanking practices. The Consumer Credit Protection Act of 1968 regarded Americans safety from the previous longevity relinquished by governing bodies and financial institutions. In efforts to solidify all condensing and ambiguity associated with mistrust, Congress moved to shield consumers and their financial records from abuse. In the  years following, other laws refined consumer rights, spelling out how the government can access bank customers information, how banks treat borrowers and the way banks handle customer deposits. Considering this law to protect consumers are profoundly etched withing the moral fibers of the US governing lawsone would hope consumers would receive fair, indoctrinated, unplausible credence as it relates to the well being of our banking system. Unfortunately, this is not the case as biased departure still exists within our banking institutions. 

This is my third morse writing on dictates concerning issues that have gone strain. I am a young XXXX American male -- owning several XXXX XXXX XXXX. Each monetary increment is compelling to the survival mediates. Therefore, with the crude unguided acts of HSBC, there were several delaying constructs in which devastating financial tolls have impart. 

I have notified HSBC nearly five month ago, indicating the immediate release of all funds due in part. Nonetheless, days became weeks, weeks became monthsand now unopposed, months will soon become a year. Nevertheless, my relentless intent to mitigate, resolve, and embellish the ongoing dispute has resulted in over 200 hundred call, 70 emails, and numerous complaints to government banking agencies. Added, the coldness of hopelessness has begun to settle quietly within the vibrantly warm chambers of my heart. My XXXX XXXX, once divulged of animation, has now become the corridors of dismay and peturb. I am currently prescribed medication to resolve the refactors of my XXXX XXXX. 


In conclusion, my simple alp of requestreturn my funds quickly, for I am making monthly payments on liquid assets are loan imparts. I beseech assistance in resolving this issue with HSBCfor it has been several months with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have asked both XXXX and JPMCB Auto to remove these fraudulent inquires to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: U.S. BANCORP
State: CA

Complaint narrative:
I have asked both XXXX and Elan Financial to remove these fraudulent inquires 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 2020-09-27 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: SC

Complaint narrative:
A dispute was submitted on XX/XX/20 and I received no response regarding my dispute results. I also have a credit monitoring account with XXXX and updated my reports after 35 days from the date my letters were mailed and it is very obvious that my dispute investigations were not processed as any of the disputed accounts have no remarks that the account is being disputed by the consumer. This credit reporting agency is using the protection of the CFPB 's relaxed approach to the 30 day rules and should be back to full compliance by now.

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 2020-09-27 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: U.S. BANCORP
State: CA

Complaint narrative:
I have asked both XXXX and US BANK to remove these fraudulent inquires 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 2020-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I sent my relative {$80000.00} check. Someone stole the mail, erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase ( the Branch escalating group and the executive office ) gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. I thought there wasn't any protection for consumers, so I created a XXXX.XXXX  petition. But through more digging on Federal Reserve website, I found out that The Check Clearing for the 21st Century Act ( Check XXXX ) provides protections against fraudulent checks so that generally you are not responsible if you notify the bank in a timely fashion. According to the Act, the bank must refund me the amount of loss plus interest, no later than the 45th calendar day after the bank received your claim. 

Since Chase denied me my refunds even though Investar and I notified them with police report ( date cleared the bank XX/XX/XXXX, date notify the bank XX/XX/XXXX ), they broke the law. So I am reporting Chase of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company blocked ability to remit payments online citing returned payments however the company was furnished with bank memorandum and police report advising wallet lost/stolen and accounts closed as a precaution Payments previously established were resubmitted they have cost me hundreds with additionally fees for no reasons multiple reps stated they were resetting never happened then they said 6 months I said I sent you proof before this happen yeah I know shtty policy exact words from their reps Additionally extension processed for XX/XX/XXXX XXXX XXXX and XX/XX/XXXXXXXX during death of immediate family if i didnt think they were bad enough any company that XXXX  someone over during the most difficult time in their life is beyond concerning and I will exhaust every legal remedy to correct I also made a payment and changed the due date during the time in question to go towards interest in XX/XX/XXXXXXXX so not possible for it to be 30 days late also in XXXX they said it was extended because due date was processed and it wasnt even the date I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Recieved a debit card from Pay Pal, never requested one, dont want it! Please have this company stop this fraudulent practice. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC
State: MD

Complaint narrative:
The closed paid charge off account was voluntarily deleted from my XXXX  credit report. On XX/XX/20 I submitted a dispute to XXXX, XXXX, and directly to the company to request the deletion of the account due to it having been deleted from XXXX  and also due to inconsistent and inaccurate information when comparing the reports. The company corporate finance specialist in response to my dispute informed me that the company is not responsible for reporting monthly account history ( number of days late and the number of charge offs ) or status and suggested that other accounts on my report were probably being included hence causing the inaccuracies. Both the report responsibility and suggestion I know to be false. I have only one other account on my report which is three weeks old and open. On XX/XX/20 the company added the closed paid charge off acct back to my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I made two transfers to my bank ( Bank of America business checking ) totalling around {$8000.00}. I was able to use and withdraw about {$1200.00} of that money on the XXXX, and then on the XXXX, the bank suddenly blocked my account and subsequently closed it without explaination or warning. I went into a local branch on the XXXX to discuss this issue and was offered no real resolution. I called the next day and was told I would have to wait for them to mail me a check. There is over {$8000.00} in the account and it is ALL THE MONEY I HAVE. I can not live without this money. This is my money and I need it immediately. Ive read several other complaints like mine and heard of ppl having to wait MONTHS to get their money. I can not do this. I am living off unemployment at this time and it is meager as it is. Pleaae help 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 monetary relief