vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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:
XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on XXXX different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called XXXX XXXX XXXX XXXX XXXX and I was informed they they are not showing negative, but they are showing negative. 

XXXX. XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened 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 2021-08-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on XXXX  different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called XXXX US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX. XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica
State: TX

Complaint narrative:
I have a coamerica bank account which I was not very clear about the terms and conditions. They charged me some fees - one after the other without calling me or sending me any email or mail. 
I would like unreasonable {$25.00} fees to be waived off and account to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
at XXXX est on XX/XX/2021 I have been unable to login and access my brokerage account where my assets are held.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I went into Chase Bank located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, Phone ( XXXX ) XXXX to open up a Chase Bank checking and savings accounts. I was informed my application was declined and denied due to me having a current bankruptcy. I was informed by Chase Bank Corporate Office that i wont be denied to open up a checking account due to a previous Chapter XXXX Bankruptcy filing and discharged. I was told it was ok for me to open an account and I would be approved to open up a Chase Bank checking and savings account, but I was denied due to my Chapter XXXX Bankruptcy Discharged on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a BMO harris bank account ( BMO Harris Smart Advantage account ) with a promotion that within 90 days of account opening if I have got {$4000.00} in qualifying direct deposit ( payroll ) - I will be getting {$200.00}. 
I got more than {$4000.00} direct deposit within 90 days. 
But when i requested my cash back - BMO harris is stating that because I am in TX - I am not eligible. 

Well that's not accurate. I know another person in my zip code with details Account number ending in XXXX Routing # XXXX who got {$200.00} cash back bonus for the same promotion Last time when i contacted BMO harris - I was given a totally different response.

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 2021-08-28 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
For the last year I've been trying to access my Equifax amount and it keeps saying it encounters a problem to call. I call and they say do the forgot user and password, I do Everytime and Everytime same thing, please call Equifax. I've been on hold countless hours, been hung up on, been transferred, told well I don't know what to tell you etc. I can't even dispute inaccurate info, see scores, amounts, nothing. I need to be able to verify the info as accurate. Please help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
From- XXXX XXXX XXXX , for Dispute Case # XXXX XXXX XXXX ( Money Network ) Thank You in advance for help. 
I received a EIP Stimulus payment of XXXX on a Visa. Went shopping and could not locate card. 
Gave it a day to see if card by chance turned up. Still no card. So I immediately called XXXX XXXX  Customer Service and reported card lost. Also asked for a duplicate at this same time. 9 days later received card and checked balance. Very bad news/only XXXX Someone got a hold of my card and fraudulently charged XXXX at various stores. I never gave permission to anyone at anytime for card use. 
I immediately called XXXX and reported now stolen of course. Also made Police Report same day. 
I've done everything by the book meaning all time restraints given as well constant contact. 
They have by accident or maliciously given me wrong application info, etc. so as to create a better outcome for them. 
I am XXXX on very little income and have already spent roughly {$50.00} on mailings and Faxes dealing with them. Please help me, Respectfully Submitted, XXXX XXXX XXXX * Feel free to call anytime if needed for questions ( 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 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: UT

Complaint narrative:
I have a XXXX XXXX XXXX XXXX and XXXX Accounts. My last transaction that went through is on XX/XX/XXXX. Ever since then, even though I have over {$190.00} in my Spend account and {$10000.00} in my save account, my debit card is declined and when I try to transfer my money out of the accounts it says my account is frozen. I also get an error, if I try to close my accounts. 

I have emailed and phoned the customer service over and over - and they just say they will forward to a specialized team. I never hear back from any of them. I don't even know why they froze my account. 

I have bills to pay - I need my money back. Please help me get them to unfreeze my account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2021 there was a unauthorized charge in my paypal account. I noticed the debit out of my bank account on XX/XX/2021. I filed a dispute the same day with PayPal. As of today XXXX XX/XX/2021 they denied me with no form of documentation and or proof of the transaction. They did not even utilize the 14 business days to even research. They just denied me. 

My account is a small business account called XXXX XXXX XXXX XXXX The unauthorized amount Is {$620.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Wakefield and Associates at XXXX XXXX XXXX, XXXX Tennessee XXXX has been sending me collection notices in the amount of {$870.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Conn's, Inc.
State: AZ

Complaint narrative:
I have contacted Conns at least 20 times about this issue. 

1. XX/XX/XXXX Conns reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on XXXX dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 

2. After several emails and phone calls Conns responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from Conns agent. ) 3. Conns is basicaly suggesting the XXXX is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( XXXX report of Conns account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is Conns or XXXX. I Need this corrected and removed immediately. 

5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial illegally repossessed my vehicle through a third party debt collection service on XX/XX/2021. They violated my privacy by coming onto my property and stealing my car and selling it w/o my consent. The company continued to call and harass me illegally through XXXX XXXX after the matter. I have compiled exhibits to show evidence of the matter at hand. Also when purchasing the vehicle the bank coerced me into payments on the vehicle when pursuant to 15 USC 1605 ( a ) the " finance charge '' is defined as the sum of all charges. I also paid {$2000.00} cash down during a consumer credit transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have had a HELOC ( # XXXX ) with U.S. Bank for almost 15 years which is tied to a construction gone bad. I am in the California court system since 2006! There have been 3 rulings for me. The defendant had gone all the way to California Supreme Court which was rejected. To be safe, it will take another year to see any money. I have almost paid the amount of the HELOC in interest! I have applied for forbearance. Even though U.S.Bank has sent me a letter and given me a name as a relationship manager at the Loss Mitigation department, but I can not locate the person nor I can talk to anybody in charge. I might have been late just a few times in 15 years! but they keep charging me for late fees and reporting to Credit companies. Except for them, I have an excellent credit history! 
I am a XXXX single mother with a rare autoimmune disorder. I am also caring for my XXXX old mothers. I truly need help. Do you think U.S.Bank would waiver all late fees so far, which will be a couple of thousands?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX TransUnion XXXX  is not complying with my dispute requested i sent them a letter on XX/XX/2021 and XX/XX/2021 my first initial dispute i havent heard back from them it been 30days and on the XX/XX/2021 i send them 30 day demand to comply and they still have not responded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial Services has continuously violated my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. Discover has violated multiple federal laws over my time as a creditor with this company. 

On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws In response, I sent over a debt validation letter requesting for Discover to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 4 exhibits of violations, and an invoice for the number of violations found in each statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: AZ

Complaint narrative:
I have contacted XXXX at least 20 times about this issue.

1. XX/XX/XXXX XXXX reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on TransUnion dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 

2. After several emails and phone calls XXXX responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from XXXX agent. ) 3. XXXX is basicaly suggesting the TRansUnion is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( TransUnion report of XXXX account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is XXXX or TransUnion. I Need this corrected and removed immediately. 

5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.

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 2021-08-28 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: NY

Complaint narrative:
On XX/XX/2021 i sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report it is now well over 2 months later and i have not gotten a response on these matters. In Section 611 ( a ) it plainly states failure to investigate these items within 30 days gives reason to immediately remove them from my credit report entirely. We are now beyond the 60 day mark and these items should be removed promptly. I demand the removal of these accounts or I will begin the litigation process due to the stress this has caused me as these items are falsely representing who I am and negatively impacting me. Further my information has been compromised due to the Equifax data breach and my information may have landed in the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion XXXX and XXXX is not complying with my dispute requested i sent them letter on the XX/XX/2021 and on the XX/XX/2021 and told them my first initial i havent heard back from them than i send them 30 day demand to reply and still havent responded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX equifax and XXXX is not complying with my dispute requested i sent them letter on the XX/XX/2021 and on the XX/XX/2021 and told them my first initial i havent heard back from them than i send them 30 day demand to reply and still havent responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My complaint is with XXXX XXXX XXXX/Comenity Bank, account ending in XXXX. On XX/XX/21, I paid the credit card account in full. I was then charged the residual interest of {$5.00}, I not realizing there was still a charge on my account, I failed to make the payment and then charged a late fee of {$5.00} plus a late fee of {$2.00}, total of {$12.00}. I contacted the bank to ask for a courtesy adjustment and was told due to the account being closed ( at their request because XXXX stores closed ) they could not issue a courtesy adjustment and recommended I pay the {$12.00} balance. I asked where in the credit card terms and conditions did it state no adjustments could be made when the account was closed. I was advised to access a website other than the general website where I would usually log in to pay my account each month. I asked where on the website could I locate the credit card agreement terms and conditions and was told it was not on the Comenity website and again given a totally different website to access and review the terms and conditions. I asked how would I know to go read these terms on a totally different website and was not given an answer. I asked where could I locate my question about no courtesy adjustments when an account is closed and did not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank XXXX. has continuously violated my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. Wells Fargo has violated multiple federal laws over my time as a creditor with this company. 

On XX/XX/21 and XX/XX/21 I received a statements that violated my consumer rights laws. 

In response, I sent over a debt validation letter requesting for XXXX to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 4 exhibits of violations, and an invoice for the number of violations found in each statement.

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: WI

Complaint narrative:
I sent US Bank a message / email saying my payment was not allocated to the highest interest rate per law. 

They responded they make payments per statement period vs accurate real time data. 

They reversed my payment so I could make the payment again. 


Withdraw of {$3100.00} on XX/XX/2021. Payment of {$3100.00} XX/XX/2021 ( yes 1 day later ). Interest of {$55.00} on XX/XX/2021. Reversal of payment XX/XX/2021. Repayment of {$3100.00} on XX/XX/2021. 

XX/XX/2021 to XX/XX/2021 statement. Interest payment of {$55.00}. Credit Card ending 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 monetary relief