vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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:
PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing XXXX credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. I have a small clothing shop which I use my house as an office and I use square to process payment for my customers. 

Last year, customer made payment of over {$3000.00} and I was able to ship her products to her and she received it, but square has not released my funds to my bank account. 

I contacted square since last year to get this resolved but they have nut emailed me back. 

XXXX said they needed documents including my ID and my business name registration certificate. I sent them my ID and told them that my business is a shop and I haven't registered with certificate. 

During this pandemic, I manage my shop to get paid and feed myself. 

XXXX all stolen {$3000.00} of my funds. 

I want square to deposit my funds in my bank account or tell me when they will deposit it rather than ignoring me with my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX ( direct from XXXX ). I paid using my Apple Card and put the phone on an interest-free installment. The toal amount I paid was {$87.00} for taxes and fees plus the first installment. I agreed to be billed {$22.00} for 24-months for the remaining cost of the phone. XXXX shipped me a phone and that phone was lost in transit and never received. XXXX  opened an investigation and never found the phone, they think it was lost in XXXX. I contacted XXXX and they offered to send a replacement and they did. I received the replacement on XX/XX/XXXX and it actually arrived broken. There were purple lines on the screen and I returned it on XX/XX/XXXX to XXXX. They confirmed it was received and refused to issue me another replacement phone because of the holiday rush. So, I cancelled the order and requested a refund. After a full month, XXXX management finally calls me and issues a full refund. The problem is that they issued a full refund for {$1000.00}, not the {$87.00} that I paid and did NOT close my installment plan as they promised they would. I contacted XXXX again in XX/XX/XXXX and asked them to fix the issue and to close my installment plan, as I only paid {$87.00}. The {$1000.00} that they refunded I did receive, but it applied toward the balance I already had on my Apple Card, not my installment. The installment is still active and the manager I spoke to at XXXX Senior Management, named XXXX, said that XXXX could not close my installment and they did not care about fixing the issue on my credit card. XXXX told me that XXXX couldn't do anything further and hung up on me. She wouldn't tell me anything else except that she was " XXXX, a manager with XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD BANK XXXX XXXX is still showing a {$420.00} charge-off entry on my credit report. This account was fraudulently opened and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Acceptance Corporation made a late payment report to all credit bureaus in XX/XX/2019. 

XXXX XXXX : Called at XXXX and talked with an agent by the name of XXXX to submit a payment extension for the month of XXXX XXXX XXXX  with the promise of payment date for XXXX  XXXX. 

XXXX XXXX : Talked with yet another agent XXXX XXXX XXXX and he sent yet another document for me to sign electronically. 

XXXX XXXX : Talked with agent XXXX and confirmed that the second document was signed and received on XX/XX/XXXX and had been approved but due failures within their system that reflected 2 documents signed for the same reason, I had yet to sign another one, making a third document signed in les then a month. 

XXXX  XXXX, XXXX  : payment for {$700.00} was made in agreement with the extension. 

I have audio recordings with a supervisor accepting and apologizing for this issue and the mess it made within their own system. 

When I called XXXX XXXX to get it all clear, they said that at this point I have to submit dispute to Credit Bureaus. 
Its been 2 years dealing with the bureaus to correct this error, this is not my doing, not my fault.at all. 

I suffered a great deal of inconveniences and much damage to my credit record and score, even hired a credit repair company and to this day sill unresolved and I find myself in a bind and in much need to refinance the loan to help with the situation Without a doubt disturbing and a pebble in my shoe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I applied online to get a 2 month extension for my car payment from Toyota Financial since I was unemployed due to Covid. I received an email to say I was not approved. I called and spoke to someone at Toyota after receiving that email regarding an extension for my payments for XXXX and XXXX it was approved. On my statements for XXXX and XXXX it shows {$0.00} due for XXXX and XXXX. I resumed payments for XXXX as agreed. Now Toyota says is trying to collect for XXXX and XXXX. I was reported to the credit bureau as late for XXXX and XXXX and they are trying to escalate recovery. I have called several times to ask to speak to a supervisor and they refuse to call me back. I am getting harassing calls from collectors and they are going to re-posess. They said that they can not go back and review the phone call because they dont have it on file anymore. They can not pull up the their own billing statement that they sent to me that shows amount due {$0.00} ( although I can pull it up on my online account ). I was told I could defer payment for 2 months, the statements reflected the XXXX due for those months. I have resumed payments for XXXX going forward. A supervisor refuses to call me back. They refuse to verify the statements that say XXXX was due for those 2 months. I am still unemployed due to Covid yet I have resumed payments since XXXX. I think it is deceptive and fraudulent to try to collect on something that I was told was deferred. Any assistance is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing one credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.

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 2021-01-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing one credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY FOURTH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Bank of America checking and savings account was closed last Friday XX/XX/21 without ANY warning. My card got declined and when I check online banking it said " Account Locked '', and gave a number for the risk department. I was sent on a wild goose chase to different BOA locations, only to be told I had to call the same number. Luckily I had a car to drive all cross XXXX. After 5 phone calls and being on hold for a total of an hour and a half, I was told that " BOA closed my accounts were closed as a business decision ''. The risk department stated that BOA did not owe me any explanation, because I had signed something upon opening the account that allowed them to close the account at any time, without explanation. There was NO regard for my being an account holder for over a decade, and having thousands of dollars direct deposited over the years ; or for the bills or multiple errands that I had planned to run on last Friday. The customer " service '' was harsh and aloof. I was totally shocked and scrambling to find open a new account so my paycheck won't get bounced back to my job. There is no fraud on my end, nor nothing unusual that occurred. And my funds have been frozen until an investigation is done then my money will be mailed as a cashiers check. Horrible, inconsiderate bank! More like robots than human beings. I was treated like a piece of paper instead of a person. I have received alerts for certain purchases, asking if I authorized it. But when my livelihood was disrupted suddenly, there was no contact or any sort of warning. They need to be shut down. I did nothing to deserve such treatment as a valuable customer.

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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
A male individual uses a number of different phone numbers, including : 1. ( XXXX ) XXXX ; 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Thank you for your assistance XXXX XXXX XXXX was my medical provider. I have experienced numerous costly medical errors at XXXX in XXXX, XXXX, XXXX. The total cost of lost wages is over {$850000.00}, healing from their errors have also been very experienced. 

I have no money left. 

In XXXX, I had several XXXX bills totaling around {$480.00}. I was paying {$15.00} a month as that is all I could afford because of their errors. I was also paying several other healthcare facilities including a non-XXXX XXXX doctor, and a non-XXXX  and XXXX  which totaled around {$5000.00} which was 100 % preventable with a {$50.00} test XXXX  did not do. 

XXXX has been receiving {$35.00} a month for at least a year. 

XXXX they sent me to collections, EOS. EOS contacted via letter twice in wish I told them I was paying XXXX monthly payment. 

I have not heard from them after two contacts in XXXX. 

They now ruined my credit by submitting 4 collection cases to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TX

Complaint narrative:
I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
In the beginning of 2020 I opened a cash app account which I had my first stimulus check deposited into directly. In XXXX of 2020 my account was compromised and I lost access to the account I tried contacting cash app support to verify that my account had been closed however my second stimulus check was deposited into the account which I do not have access to. Cash App has offered no support helping me regain access to my account nor have they blocked the stimulus deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NM

Complaint narrative:
I received a Brinks Money Prepaid Mastercard in the mail. The card displayed my name, and came to my home address through the mail. I have not requested the card, and am not sure if it is a scam. It does appear to be very shady practices, and possibly illegal. The card has a activate telephone number to call, and a bank routing number and account number. The routing and account number is not my personal bank or account but it is alarming that the card is requesting I send a copy of my employment check. I do no know how Brinks obtained my name, and address, but I am concerned it is possibly fraud, or illegal consumer practices. I do not wish to receive any offers of credit or any other financial services from Brinks Money Prepaid Mastercard.

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 2021-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was due for my annual IBR renewal with Navient, and mailed them my application forms ( IBR, W2, statements from other loan providers, taxes, my wife 's taxes, pay stub, etc ... ). I called them on XXXX to ask if they had received it and was told they did and were in the process of doing my certification for XXXX. I was then told that the government had issued a plan to let you keep your previous year 's IBR active and then renew at the end of XXXX instead. I was told that this covered my DOE and Federal loans. 

On XXXX, I received an email from Navient saying my loans were about to increase unless I renewed. When I called and spoke to a representative, I was told that the information from my previous call did not apply to my Federal loans. I was also told that they had misplaced all of my IBR document aside from the first page. Because of this they told me that it did not show I checked that : a ) I'm married b ) I have access to my wife 's taxes c ) that we file separately. Because of this they combined both of our salaries making me ineligible for IBR. 

I strongly told the representative that I want to speak with his supervisor because I feel I was intentionally mislead about this. All the while I have been consistently making payments and doing all of my IBR renewals since XXXX ( have not missed 1 month or 1 year ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/20 I made a {$430.00} purchase using my Chase debit card. Upon purchase, every customer signs the same agreement. I signed the purchase agreement, went to my scheduled appointment with the merchant and was advised by both the merchant and my then attorney that I was wasting my time and money. I did not receive the service that I paid for as a result of this conversation and ultimately left the merchants place of business. The merchant decided to offer to apply my funds to another service they offer, which I declined. I want my funds back. I am entitled to my funds back being that I paid specifically for something that I did not receive. The merchant acknowledges this. The bank refuses to credit my funds back and the merchant refuses to return my funds. As a result, Chase is complicit in the merchant essentially stealing funds. This needs to be resolved immediately, Id like for someone from the executive office to contact me if theyre willing to resolve the issue properly.

Company response to consumer: Closed with explanation