vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NC

Complaint narrative:
there are unauthorized inquiries late payments and account that don't belong to me that need to be investigated see XXXX  XX/XX/XXXX for complete letter to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020 my due date for my credit card, I looked at capital one app because my credit card payment was due. I noticed a {$59.00} charge for annual membership fee posted on XX/XX/2020. I called customer service and asked to close my credit card venture to change to a different credit product without an annual fee. I was told that it was too late to cancel according to my terms. 

On the XX/XX/2020 call, I asked where I could find the terms which I could not find in the app. The account representatives told me they were not available on the app but could be found on the website. During this time, I was unable to find online. 

XX/XX/2020 I was now told that I could find these terms on my statement as I called back as I could not find these terms online under my login terms. 

I found this on my statement, " How can I Avoid Membership Fees? '' " If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. '' However there is no charge on the statement ending XX/XX/2020. The charge is on XX/XX/2020 which I find unfair because it is structured so that you might miss the notice on XX/XX/2020 and not realize that you only have 15 days to cancel. If you don't look at your statement til close to your due date, than the time to cancel passes, which is what happened to me. 

Further, I asked if there were any relief benefits for people effected by Covid-19 on annual fee / interest rate reduction and I did not receive any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. 
In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. 

I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. 

I proceeded to correct my error and made a full payment. 

Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. 

I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. 

I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. 

I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress.

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 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
Now that the CFPB will actually be doing the job it was charged to do when President XXXX takes over from the failed XXXX experiment, I am hopeful that this complaint will actually be addressed under the Fair Debt Collection Act and the Fair Credit Reporting Act. I filed an identity theft report with the Federal Trade Commission and refiled in XX/XX/XXXX. I properly notified the creditor and supplied them with letters provided to me by the FTC. I also asked for CFPB to assist but as has been the case throughout the XXXX era there was no action on my complaint. 
I am asking you now to require the Prosper to show signed papers indicating that I applied for and incurred the debt. Electronic documents are not allowed because I placed a notice on my credit report and it was in effect at the time that this loan was allegedly made. Further the bank account information they provided for XXXX XXXX was also involved in an earlier identity theft that was discovered in XX/XX/XXXX and reported to the FTC and CFPB at that time. 
This is not only a violation of the FCRA and the FDCA but also constitutes defamation.

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 2020-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We lost our home to a fire onXX/XX/XXXX. Our insurance company cut us a check for over XXXX so we could rebuild our home. We only paid XXXX for our home in XXXX. The check was written in our names and Wells Fargos name. Our bank told us we had to sign the check and send it to Wells Fargo and that Wells Fargo would send us back the money so we could rebuild. What Wells Fargo actually did was send us a form asking us if we wanted to use the money to pay off our mortgage or rebuild. We chose to rebuild, filling out and returning this form to Wells Fargo stating that we want to rebuild. Wells Fargo disregarded what we said and used our insurance money to pay off the mortgage instead. We spent 2 years trying to fight them to get the money back. We could never get anyone to help us. They would transfer our calls all around the country! We even sent paperwork to them that they had to sign to receive and when we would call them, they would say they never received it. When I would say yes they did and this is when you received it and this is who signed for it, they would say they do not know anyone by that name. They wore us out and we felt we had no option but to give up. Wells Fargo stole my home. They ruined our lives. Not only did I lose my home and all my possessions to a fire, I ultimately lost my home because we did not have the money to rebuild. I know this is way after the fact but I just saw how Wells Fargo is being punished for the crimes they have committed against people. I, to this day, want my XXXX back that they stole from me. I would also like to see monetary damages for all the pain and suffering my family has experienced since XXXX. This incident devastated my family to this very day.

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 2020-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2020 I received an email from Paypal telling me " Checking out with PayPal just got easier XXXX  XXXX XXXX - XXXX Since we recognize this device, we'll automatically log you in so you can skip typing your password at checkout. 
" This is called their " auto login '' feature. I do not want it. I turned it off and complained that this is a security breach, I WANT this device to be required to enter a password at checkout. I asked them to promise not to do this again without asking me first. 

I have been corresponding with paypal thru their message center since late XXXX. They admit sending the email. They don't admit it is a security breach and they don't say they won't do it again. Instead they offer answers to a dozen other problems which I don't have. They refuse to discuss the problem I have described, they offer only irrelevant answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: Block, Inc.
State: OR

Complaint narrative:
I have been docked {$2000.00} from my Cash.App ( Square ) account due to a " reversal '' of a refund that I was granted. I had about {$400.00} in the account as this happened and it is now at a negative {$1600.00}. This has caused me to lose more money and threaten my credit due to missing automatic payments tied to my Cash.App card that were rejected and put in arrears. 

Initially, I was grossly overcharged by a bar that I used my Cash.App card, the transaction was supposed to be {$20.00}, but the bar charged me {$2000.00}, then contacted me a few hours after I left and told me about the " accident '' and told me that they are immediately putting in a refund request with whoever processes the payments ( I have proof of the actual refund ticket from the business ). This transaction occurred on XX/XX/XXXX, and the refund occurred on XX/XX/XXXX. and I was eventually refunded. 

A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on. 

I have documents from both parties that prove that there is some questionable practices happening on both sides. 
A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2020, I received an email from XXXX stating that my account is currently closed. I received my direct deposit from my employer on XX/XX/2020. I have contacted Chime per their request and submitted the following documents ; driver 's license, social security card, passport, and 1095 for proof and verification of my identity. On XXXX, and XX/XX/2020 Chime continued to ask for the same information as stated above. I have contacted the following number provided by Chime XXXX XXXX XXXX XXXX XXXX. During my attempts to contact Chime via the provided number an automated response states that my account is currently closed and to email support @ chime for further assistance. I proceed to contact Chime again via email with my same concerns, received the same reply requesting my driver 's license and social security card. I have XXXX in this account and now in the middle of a pandemic, I will be unable to pay my rent on the first. I feel like I have been given the run-around. I am overwhelmed and stress because of this situation. I was informed that I will be unable to re-open my account, and told to wait 30 days in order to receive a check for the balance in my account! I have all documentation for this situation. I have even requested to have the balance placed in a different account an was told no!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX I used my Visa credit card to purchase {$10.00} in Illinois lottery tickets ( {$20.00} total ). On XX/XX/XXXX I reviewed my account purchase details and noted that I was charged a {$15.00} fee on each date I purchased lottery tickets as a cash advance fee ( {$30.00} total ). I contacted First National Bank of Omaha to inquire about the charges and was told by a Supervisor XXXX XXXX XXXX that lottery is considered gambling and therefore, it was a cash advance against my card on each occasion with a minimum fee of {$15.00}. 

I was unaware that Id be charged a cash advance fee albeit a fee greater than my purchase, but moreover the credit funds were never placed in my hands and were used to purchase non-refundable lottery tickets directly from the State of Illinois. The Supervisor would not reverse the charges. 

I feel this practice is discriminatory, unfair and an attempt to force the public to adhere to a moral mandate against a lawful retail purchase. 

Thank you XXXX 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 2020-11-29 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: AMA Advisors, LLC.
State: NM

Complaint narrative:
My husband and I purchased a home in XX/XX/XXXX with Homebridge Financial. Our first payment was due XX/XX/XXXX. 
I have attempted to pay Homebridge Financial a total of six times for XXXX and XXXX. I was able to pay for XXXX after contacting customer service multiple times to have the " red flag '' that was placed removed from our account. While attempting to pay Homebridge in the months of XXXX and XXXX I was assured we would not be charged a late fee because the issue was Homebridge 's fault. I was also assured that it would not be reported to the credit bureaus which was not true. Homebridge Financial did in fact report it. Both my husband and I had almost perfect credit scores prior to this issue and now it is significantly lower. Please see the following timeline of attempted payments : - Bill of {$1300.00} paid through mobile banking app on XX/XX/XXXX. Payment was then refunded XX/XX/XXXX ( # 1 ) - Bill of {$1200.00} then paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge on XX/XX/XXXX ( # 2 ) - Bill of {$1200.00} paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge. ( # 3 ) - Bill of {$2500.00} paid over the phone on XXXX. The customer service representative stated Homebridge had the wrong banking account information, this was updated at this time. Payment was never posted. ( # 4 ) - Contacted customer service on XX/XX/XXXX regarding previous payment, customer service rep stated payment was placed in a " holding account. '' Payment then applied to the remaining balance. Payment was never processed by Homebrige after being removed from " holding account. '' ( # 5 ) - I then paid my outstanding balance of {$2500.00} on XX/XX/XXXX online through XXXX. At that time I had to input the correct banking information ( Homebridge system had this wrong ). Payment was then processed on XX/XX/XXXX. ( # 6 ) The only way my payment was correctly processed by Homebridge was through the online payment system and correct banking information that I had to enter. 
- I paid my XX/XX/XXXX payment on time and through the online payment system. 
I have filed a dispute on all three major credit bureaus to have my credit score fixed. My husband 's and I credit score prior to all of this was almost perfect and we have never been late on any loan payment. XXXX and XXXX both completed my dispute saying Homebridge Financial responded accurately and no changes were made on my credit report. This is Homebridge Financials fault. We attempted to pay them multiple times and their system failed to process our payment due to their customer service error.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: NV

Complaint narrative:
My information was breached with XXXX  and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one Experian but XXXX and XXXX  have done nothing.

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 2020-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Phoenix Collections called me and said I owed XXXX to XXXX. XXXX XXXX XXXX 
I told them I had payed the bill directly a year ago, which I did, I a have the canceled check. The guy said OK, he then sent me a bill and marked my credit unpaid. 

They are apperently trying to extort a collection fee from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 there was fraud a with my account at TD Bank. They allowed someone to wire transfer over {$900.00} from my account. I notice it the same day and was told by the by the banks fraud department they could not stop the transfer. Afterword I was told that the only way I could get my money back was to make a police report which I did but TD Bank still did not refund my money. I have never made a wire transfer in the past with any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: GA

Complaint narrative:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation