vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Shortly after getting my mortgage with Santander Bank, I set up automatic payments, for the 15 year loan. They worked well without a hitch. Then, without notification, they stopped before the final {$23.00} was paid off. I received no notification that this was happening and it took me a full year ( thinking I had paid the loan in full and was just waiting for the paperwork ) before I contacted them and found out that they cancelled the auto-payments and since they cancelled them, and didn't notify me, I became behind on my payments and was subject to monthly property inspection fees of {$15.00} per month, totaling {$190.00} in fees. I filed multiple disputes with the company but they said that they " tried '' to reach me and couldn't. My primary residence had moved, but I set mail forwarding for a full year and all of my other banks were able to get reach me during that time. Additionally, I received no mail sent to the property that the mortgage was for - a seemingly basic attempt to try to make contact. When I contact Santander, I asked that I be allowed to bring my loan current by paying the {$23.00}, but they said the only payment they would accept would be for the {$23.00} plus all fees, and that if I didn't pay that, I would continue to be charged additional inspection fees.

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 2021-10-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
IHAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NC

Complaint narrative:
on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED

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 2021-10-04 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: NC

Complaint narrative:
on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED

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 2021-10-04 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: NC

Complaint narrative:
on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
IHAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I visited my bank and tried to access my account on several occasions and was unable to access it even though the account was paid in full

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 2021-10-04 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: OH

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has deleted this account due to fraud over a year ago. 
It was the result of identity theft, Ive never done business with this company. 

Account that needs to be removed XXXX XXXX Account # XXXX {$4500.00} None of this is correct and isn't mine. 
This should have never been reuploaded to my report. 
I will be pressing legal action against transunion if it is not removed.

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 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo. I can't wait to blast you on every new channel possible. You are fore closing on my house.. I have sent in numerous papers numerous times because '' we didn't receive it : .. XXXX claims have been filed on this account because XXXX XXXX has had XXXX and has been on XXXX and oh wait we never received that paperwork... And then we asked to cancel the XXXX coverage. Oh wait you never received that paper work either. Now we file a complaint because once again we have been giving false information we were assi6a contact. That contact I have called SEVENTEEN times... Apparently when I call her phone doesn't work. She promised to call me on Thursday XX/XX/XXXX after XXXX... Here we are Sunday XX/XX/XXXX... No phone call... I am taking this every where... The news... Court. Absolutely everywhere. Shame on you wells Fargo... Refund our XXXX money from when XXXX had XXXX ... And that Will cover the mortgage. I will get this public. You will be shamed for this and our discrimination of treatment

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 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
ERC is reporting a negative unverified account on my credit report. ERC failed to respond to my debt validation letter sent on XX/XX/2021. ( please see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TX

Complaint narrative:
There has been several FCRA violations and still will not removed it. 

On XX/XX/XXXX and XX/XX/XXXX I sent letters and supporting documentations certified mail in regards to a disputed item. 

Items disputed : US BANKRUPTCY COURT-XXXX  XX/XX/XXXX and US BANKRUPTCY COURT XX/XX/XXXX Equifax continues to respond as verified but they never verified it. I sent letters twice of method of verification as well as the courts do not provide information with the full social number unless the person or company file a motion plus do not verify information with third party and credit bureaus so they basically did not verify to see if this similar name is mines. 

Plus, said was verified by XXXX XXXX who i contacted by mail and told asked for the same thing and sent same supporting documentations. 

XXXX XXXX respond by mail stating they removed it and stated by mail do not have disputed item any longer. 

At this point it has been more than past 30 days and still no change and deletion from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LA

Complaint narrative:
received a call from one of XXXX  XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX  XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX  XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck

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 2021-10-04 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: LA

Complaint narrative:
received a call from one of XXXX  XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX  XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX  XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LA

Complaint narrative:
received a call from one of XXXX XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I applied for the Capital One secured card. Last XXXX I was approved for access to the account through my ITIN number. The company sends a welcome letter to the address that I have personally. But then when sending the card they change the address in one letter and it is no longer possible to receive it. I request a resend of the approved card but it can not be done because the company requests documentation that I do not have because I am a foreigner. They ask me for an American telephone number to send a code but I do not have that possibility, the company does not send verification codes by email due to their policy. Also on my own I request a local number, but it does not work in the Capital One company system either. I traveled twice to XXXX  to a Capital One cafe and even in that way it could not be achieved due to the strict and antiquated verification systems. requested by the company. Until today, almost a year I can no longer use my approved card to build credit in this great country because of Capital One 's own system. I don't understand how the first time they sent me the welcome letter correctly and the next time the card never arrived but because of the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA closed my checking account without my knowledge or written consent. I expressed on multiple occasions that i am currently experiencing financial hardships yet they had no remorse. USAA violated the following : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 49 USC 306

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I was notified by Coinbase via email of a transaction sending approximately XXXX XXXX ( {$1700.00} at the time ) to a XXXX wallet. I had two-factor SMS verification enabled on my account, and I had not received any text messages, so I thought I had nothing to worry about. My account was drained of my holdings. I informed Coinbase via email, but got only automated messages in response. I tried to call, but was informed that I had to be a Coinbase Pro member to get live service. I disabled my account at this point to avoid further issues. I reported the theft to my local police department, who investigated it to their best ability. I contacted my cell phone service provider to inquire as to whether my SIM had been hacked, and they answered that it had not. Only recently has news surfaced that Coinbase suffered a security breach that allowed for an actor or actors to subvert SMS account verification and steal funds from members. Supposedly, the latest known date of this breach was XX/XX/XXXX, after which Coinbase was able to correct the problem. Again, the date of the theft from my account was XX/XX/XXXX. Coinbase may be unaware of the fact that the theft extended beyond XX/XX/XXXX, but I have no way to contact the company directly to inform them of my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I'm currently in forbearance under the Cares Act and it is scheduled to end on XXXX XXXX. Wells Fargo has given me several options that are not acceptable or beneficial to me. I have a XXXX loan and would like my payments placed on back end of loan. Furthermore, Wells Fargo has put late fees while my mortgage is in forbearance. 
A clear violation of the Cares 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 2021-10-04 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: NJ

Complaint narrative:
I noticed an account on my credit report I do not recognize

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