vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2020 I contacted XXXX  dispute department to inform them of fraudulent activity. The results were returned from the company as unchanged. I was reporting that due to domestic violence issues at the time, my partner open an account without my permission. All of this information was conveyed, and yet the information remains. The account is paid in full, but still reporting negatively And it is not mine.

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 2020-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Looking on the Federal Reserve site, Reg D was temporarily done away with on XX/XX/XXXX due to COVID-19. " Q : What changes has the Board implemented to savings deposits in response to COVID-19? 
Posted : XX/XX/2020 A : On XX/XX/XXXX, the Board announced an interim final rule to amend Regulation D ( Reserve Requirements of Depository Institutions ) to delete the six-per-month limit on convenient transfers from the savings deposit definition. The Board took this action in light of the elimination of reserve requirements on all transaction accounts, making the retention of a regulatory distinction in Regulation D between reservable transaction accounts and non reservable savings deposits unnecessary. In addition, financial disruptions arising in connection with COVID-19 have caused many depositors to have a more urgent need for access to their funds by remote means, particularly in light of the closure of many depository institution branches and other in-person facilities. The interim final rule was intended to allow depository institution customers more convenient access to their funds and to simplify account administration for depository institutions. Further information, including a full set of frequently asked questions and answers, is available here. '' This came straight from the Fed site. I tried to make another transfer today on XX/XX/2020 and Bank of America was going to charge me for the transfer. This violates what the Federal Reserve has put into place because of this pandemic. 
So I called Bank Of America on XX/XX/2020 and spoke with XXXX in the New York office. She argued with me that this was not correct with what I was telling her. So I ask to speak to a supervisor to let them know about this update. Bank of America is still charging people fees for Reg D transfers when they are not suppose to even count the Reg D at this point. Please look into this matter. I can not seem to get anyone on the call to listen. Thank you,

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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I submitted a dispute with XXXX to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, XXXX  closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We had purchase furniture from XXXX XXXX we were not satisfied with the furniture and tried to return the furniture to XXXX. When we tired to return the furniture XXXX XXXX would not accept the furniture despite their 100 % satisfaction guaranteed or money back. We filed a Dispute with Wells Fargo credit card. Wells Fargo looked into the claim or dispute, After 3 months of waiting Wells Fargo claimed they tried to get in touch with me with the denial of the dispute on XX/XX/XXXX. I did not know of any attempt of getting ahold of me. I then did not notice the claim was denied until XX/XX/XXXX when I got a credit alert thatvi was over my limit and it was denied. I called Wells Fargo and they had told me that it is pass the date of which I could dispute the denial, I had told them that they did not contact me and I knew nothing of this. I also have noticed that my initial credit line was {$7000.00} used their credit card for furniture disputed the purchase they credited back to me my purchase during the dispute, gave me only a XXXX credit limit, the dispute was denied my credit limit is still at XXXX and it says that I have an outstanding balance of {$10000.00} there for putting my credit at a even worse over limit I have been making regular payments I have tried to contact credit dispute department of Wells Fargo. They have told me that they are putting it to escalation to see if there's anything else that can be done. XXXX XXXX well not accept the return of furniture, claimed they did not receive the return of the furniture which is why Wells Fargo deny the dispute. Outside of leaving the furniture outside of their store there was no way that we could return furniture they would not accept it yet they told Wells Fargo that they did not receive the furniture which is why Wells Fargo denied we have no problem in returning the furniture. To get this resolved if need be we would gladly leave said furniture in front of the store. We also refused a backorder piece from XXXX XXXX. We didn't want to receive any more product from them and it would of been incorrect to accept it. Therefore XXXX XXXX is also responsible for another piece of furniture we did not receive.

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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I suddenly received a Credit Card Statement from Synchrony Bank/Lowes in XX/XX/XXXX for charges I did not make or authorize. The bank called me and I told them this account had been paid off many years ago. They said they would mail me copies of charges with dates of purchase, etc to review. I did receive a very heavy large envelope with copies of many statements and I immediately knew I was a victim of Identity theft. Since this time I continue to get letters from the bank and/or calls indicating I am past due and now late fees and interest are being added. 

After I realized this had happened I requested copies of all my Credit Reports from XXXX, XXXX, and XXXX. The credit reports indicate multiple hard inquiries on my behalf that I did not authorize. 

XXXX XXXX  was one Company that I had to also reach out to when I received a letter indicating my credit was approved. I called them to report that I did not apply for credit. I then received a letter dated XX/XX/XXXX, that indicated I was not responsible for said account ( Copy attached ) I have copied their letter as they requested and sent to all ( 3 ) Credit Reporting Agencies. 

I am a XXXX Vet age XXXX and am very overwhelmed with stress and to the point that I had to reach out to a friend to help me get this resolved since I do not own a computer much less know how to use one. ( I only use email on my cell phone. ) She has written all letters for me on my behalf that I am attaching for you. I told Synchrony Bank that I did not use a computer, own a computer, and they stated that someone had been paying the statements/bill up until XX/XX/XXXX making payments online. They then stated the last email for payment request had bounced back to them and they were given my address to send paper statements. 

Please help me get this resolved.

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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had a credit card through XXXX XXXX, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with Portfolio Recovery Associates,  LLC since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from Portfolio Recovery with a statement showing I owe {$1100.00}. This statement was fraudulently created by Portfolio Recovery. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by Portfolio Recovery. I demand this account be removed from my credit report and Portfolio Recovery investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and Transunion to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.

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 2020-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on Equifax and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: FL

Complaint narrative:
XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to XXXX, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.

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 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I obtained an auto loan through Ally Financial in XXXX of 2017. My payments have been automatically applied every month ( XXXX ) from the same checking account. In XXXX, they announced a 2 month payment deferment due to COVID-19. Since I am unemployed due to the pandemic, I applied and was approved for the payment deferment. Since then, my automatic XXXX payment has been at " pending '' status. I have attempted to make a payment, since I was able to, several times. My checking account I have used for every payment has been " unavailable '' to make payments. I have attempted several times to reach Ally by phone, and get disconnected every time. They have now begun harassing collection calls to both me and my husband for payments that were supposed to be deferred ( 3+ per day ). My account online does not reflect that I have deferred payments, and states that my account is " past due '' at XXXX ( 2 months regular payments ).

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: GA

Complaint narrative:
I sent a letter to Experian over a month ago, didnt hear anything back, so i sent a 2nd letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent 2 letters and i have not heard anything back from them!

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 2020-05-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is violating the CARES Act of 2020 due to fraudulently reporting my federal student loan as delinquent or in default. Due to the CARES Act of 2020, ALL federal student loan payments have been suspended until XX/XX/2020. Equifax has again shown itself to be INCAPABLE of maintaining current or truthful information for individuals ' credit reports. Equifax needs to be CLOSED completely due to their incompetence or it needs to be SANCTIONED for fraudulent credit reporting practices. Hardworking Americans already have enough to deal with without Equifax tanking credit scores because it too lazy or XXXX to stay on top of current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AA

Complaint narrative:
In XXXX, I was accepted by the State Department to work as a XXXX XXXX in their foreign service. In XXXX, I was posted to XXXX XXXX, XXXX XXXX, so I had my mail forwarded to my diplomatic address. Within a month or so, I receive a letter from US Bank mortgage company basically saying that if I was living outside of my house I was out of compliance with my loan. I called to try and find out what it was all about, but the number that they give in the letter is the general customer service number, and the only clarity that the person was able to give was that it " may '' have to do with the fact that my loan is an FHA loan. I was informed that the address I needed to send my responses to was the address of the department that handles FHA loans. They had no phone number or email address to give me to facilitate communication. 

So I responded with a letter explaining my situation and asking to see if there was some kind of exception or exclusion, since I'm sure military personal serving overseas don't lose their homes because they are in the service, I figured there had to be something for me too. I sent the letter and proof of my current employment with the XXXX. 

In XXXX, I got a letter dated from XXXX that said I would get a temporary extension for a year, but I needed to respond in 30 days with a copy of a non-occupancy insurance coverage and a sale or rental agreement for the property. I received the letter basically a day or two before the deadline, due to how COVID-19 has affected international flights and mail service. I kind of freaked out since my only way to respond would likely take another 30 days. According to the USPS tracker, it still has not arrived ; its been a couple weeks. So I called the customer service number again, hoping for help. 

But they weren't able to give me any. The customer service guy, very friendly and genuinely sounding concerned, had to inform me that he had no way to contact them himself, so he couldn't even call that department to ask for help or guidance. Especially since, by that time, I realized that the FHA stipulations on residing in my house had long been met, since I bought the house in XXXX and have lived in it continuously and exclusively, until XXXX of XXXX. 

I guess what my complaint has to do with is that this very important part of the bank, that is basically threatening me with having broken my mortgage contract has NO WAY to communicate with me in a way that didn't exist in the last Century! Imagine? The ONLY way to deal with these people is through a letter. A LETTER?! Not even an email with a scanned document or a FAX! 
I feel like I'm in a Dickensian tragedy.

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