vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: SC

Complaint narrative:
I reached out to Equifax because the XXXX ACCOUNT is reporting inaccurately. I've sent over 5 letters and haven't received a response or proof that an investigation was conducted. I'm looking to refinance my home soon and this inaccurate information is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: P.S.C., Inc
State: WA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

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 2021-04-12 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: TX

Complaint narrative:
On XX/XX/XXXX Experian replied to my earlier dispute regarding inaccurate reporting from XXXX XXXX XXXX. Experian says the matter is unchanged. XXXX XXXX XXXX states that an account I had in XXXX was included in a recent bankruptcy. However, that is not correct. The item was completely paid in full in XXXX of XXXX with no late payments. However, Experian shows this is an item that is included in bankruptcy. How can this be true if the item was paid in full in XXXX. 

My report ( Experian shows timely payments with no lates and item paid off. But it also shows the same item as included in Bankruptcy. I requested this item updated or removed until update to no avail. 

The balance on this account was XXXX but the account was paid in full on 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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a XXXX XXXX account reporting on Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX XXXX and Equifax and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NJ

Complaint narrative:
On XX/XX/2021 I sent Dispute letters to the following agencies regarding false items on my credit report. I have given the agency more than 30 days to complete its investigation and its has not been complete nor verified. Please help with false/ inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: KS

Complaint narrative:
I received a visa debit card from cash app that I never applied for. They would not let me talk to a supervisor nor disregard the card. They gave me the email of who applied for it but it does not exist. It was XXXX. I took screenshots of the chat conversation because they would not let me talk to a supervisor, so I went to their site and have not got a response. She would not allow me to talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
I hope you can help me with this incredible matter. I have a checking account with Wells Fargo Bank In California. 

I'm writing from XXXX. I lived in the USA for many years. I'm a retired psychologist and worked for the State of CA Rehabilitation Dept. 

I opened my checking account with Wells Fargo in XXXX. I get my direct deposit for retirement and Social Security to my account with WF. I was able to withdraw the money in XXXX with my debit card and my PIN number at any ATM. 

About two month ago, without my knowledge or permission, WF changed entirely my account, deleting my password, my PIN number and all information regarding my account. I can't see or access my account at all. I have called and talked to many people in there, told them that my account was blocked to me and I was unable to draw any money as they changed or deleted my PIN number. At the end, they all go around giving me the red tape ; no one will take responsibility for this situation, which has caused an incredible amount of problems. I'm unable to make any payments, buying food, etc. Nothing. I had called them again and again, and I have been told that they will get my account in order ONCE I get back to the USA. Do I have to get back to the USA in the middle of a pandemic, with no money at all, with my US passport expired and the US Consulate barely working due to the pandemic? They have no appointments available for the rest of year. 

I came back to XXXX, my homeland, in XXXX. I'm a XXXX XXXX XXXX and a XXXX person. I have informed this condition to the bank representatives several times, and it does not make any difference to them. l have kept my checking account open, active, and in good standing with them since XXXX. I have used it in XXXX for several years with no problems, until they blocked it without warning to me and no reasons given. They say that I need to pick a new PIN number in person at branch location in the USA. This is totally unreasonable knowing that I am in XXXX and unable to travel due to the circumstances : a pandemic, my age, and my XXXX. I find this situation abusive, insensitive, and incredibly cruel. They have created a tremendous hardship for me. It is useless to try to reason with WF. Anyone tells me whatever they want, in spite of that I tell them that in my current situation I have no even money for food. 
I hope you are able to act on this urgent matter as soon as possible. I'd be grateful to you. 

Thank you, 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 2021-04-12 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:
XXXX, Equifax, and XXXX  are incorrectly reporting a bankruptcy discharge on my credit report ( XXXX ). It shows status discharge as of XX/XX/2021. However, that is not correct and I have requested this item be deleted until it could be corrected. 

The item in question was discharged XXXX of 2021. This error will further delay my ability to cycle a clean slate. Neither credit reporting agency has updated or deleted the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The inconvenience that I'm having with CMRE is that I have a medical bill that they're collecting on, thing that I didn't knew it was that I still owed that when I thought that everything was already paid since I had paid other medical bills, The problem is that time later I check my credit report and there is a medical bill from them and I never got a notice or warning at all and then I call CMRE with the intention to pay to get it removed out of my credit report but they refused to because apparently they do not remove or request deletion to the credit bureaus once they get their accounts paid, but I explained the situation very clearly that I never got any notice of this bill ( literally how do they expect me to pay them something I didn't even knew I owe before it was placed into collections! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Just over a month ago my wife and I had money stolen from us as part of an apartment scam. Its evidently more common than you realize. Financial transactions were processed using Venmo, making it a facilitator and resource for both fraud and potentially money laundering. When I realized that we had become victims, I immediately filed a report with my bank, filed a police report and called Venmo directly to make them aware of the fraud and request that the transaction be stopped. I was told point blank that there is nothing they can do and that they dont hold liability for transactions made through their app. Their support team told me that they never give refunds per company policy. This seems ridiculous and makes you wonder how many fraudulent transactions are being made through Venmo and PayPal? 

Most importantly I just want the money that we lost back. Im currently on unemployment, and the money that we were cheated out of was from my unemployment benefits, adding another layer of deceit on the part of this corporation which clearly doesnt care about its users, nor protect them from fraud. Ive contacted them many times via both their website and phone to no avail, only receiving the same answers with zero empathy or actual support. And theyve chosen to ignore the fraud and maintain a NO REFUNDS policy across the board instead. Ive made every effort to resolve this matter with the company over a months-long time period, and theyve consistently denied to even talk about it with me. They also told me that I can not file a complaint with them and that I should contact my bank, although my bank only sent the money to pay for the transaction, but didnt actually process it itself, instead using the third-party app. The bank also wont offer any type of refund and they deny any responsibility, placing the blame solely on Venmo. So, there were a lot of fingers being pointed when I first started reaching out about this. 

Im seeking reimbursement for my wifes and Is money lost through the fraudulent Venmo transactions totaling {$1100.00}. This has been a tremendous financial burden for us. I have screenshots showing transaction information, as well as the police report numbers and other supporting documentation. 

In desperation, Ive reached out to a few organizations that protect consumers in hopes of receiving a refund. I also hope that that at least one of these consumer protection organizations further investigates Venmo to determine how rampant fraud is, and whether transaction laundering and money laundering is occurring through Venmo transactions regularly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of XXXX, I opened a checking account with Chase at their XXXX XXXX branch. Mr XXXX XXXX assured me that even with a smaller initial deposit, I will not be charged banking fees cuz it will be linked to an annuity I have purchased with them years ago. Then last XX/XX/XXXX, I discovered that Chase had started charging me banking fees of $ XXXX since last XX/XX/XXXX, without notifying me. Its a small account, I could have just closed it. They refunded me {$100.00} but refused to refund me the rest XXXX {$170.00}. ) I called and talked to several people but they referred me to Mr. XXXX XXXX. When I eventually got him he promised but never calked me back. No response to my email either. Banks are required to be transparent in all their dealings with their customers. I am retired and on fixed income, I have to be careful how I spend my money especially now that everything has gone up drastically due to COVID. Thanks for your attention and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: LA

Complaint narrative:
I placed a security alert on my credit report to be contacted in case of someone applying for credit in my name. I have reached out to Transunion several times to dispute the inquiries and every time it came back validated. When I requested the method they used, no response was ever received. The following companies are in question : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX, MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Tx. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX These inquiries were not authorized by me and should have been validated by the credit bureaus.

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 2021-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted a consumer credit card dispute with Capital One regarding a credit card purchase that I deemed unauthorized because the seller/merchant engaged in fraudulent behavior in its sales marketing. I relied on deliberately false and misleading representations for a {$79.00} purchase, and was deceived to purchase a product that was not similar to what was advertised. When the product received was patently and materially not what it was presented to be, and of significantly less value, I tried to resolve the dispute with the merchant, without success. 

I then filed an unauthorized debit claim, pursuant to Reg E and the Electronic Fund Transfer Act, with Capital One ; the financial institution credit provider. I submitted all correspondence between the merchant and myself to Cap One and communicated my contention that, as the merchant clearly perpetrated a fraud in its " bait and switch '' conduct, the transaction must be viewed as unauthorized under Reg E. As it was timely filed with Cap One, it was stunning to receive notice from the credit card issuer that my dispute had been denied. 

The Cap Oine Case Number is XXXX. If this claim is dishonored, my fear is that Cap One may be engaged in a pattern and practice of actions which are inconsistent with the requirements of the regulation, to the detriment of protected consumers. 

Thank you for your assistance. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 TD Bank in XXXX XXXX fraudulently opened a checking account under my name ; as well as two savings account. The accounts have been closed but the corporation is lying trying to say I opened the accounts. I went into a TD to see how the savings accounts where opened and the teller tried to say I had to scan a XXXX check like you receive to deposit in the atm for a new account and I said she was not being honest and got my ids bank and left. There is also a fraudulent charge from XXXX for XXXX that should only be XXXX with a tip-off XXXX dollars added later. And on XX/XX/2021 there is a fraudulent charge of XXXX for checking the ATM at was a on XXXX XXXX XXXX in XXXX Pa but it was checked at the TD at XXXX XXXX and XXXX XXXX. This is like five different issues with this bank in the last week and it needs to be thoroughly investigated by the federal government by pulling their it accounts and security footages. The bank in XXXX  was near XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/PAYPAL CREDIT CARD is still showing on my account. I am no longer an authorized use as of XXXX but still shows on my account. Please remove thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been in the process of correcting my credit for the past year. I opened an account with Experian paying $ XXXX per month each for both my husband and myself in an effort to stay current with the information as it is reported. I got my credit from XXXX up to XXXX and I have been very attentive. On XX/XX/XXXX, I canceled the subscription with Experian and received an email of confirmation. By XX/XX/XXXX, my credit score went down with them to XXXX with no reported incident. I keep everything, I mean EVERYTHING paid either on time or ahead of time. I called experian and the representative could see where my credit score went up to XXXX, but couldn't see anything else. Which I do not believe, because if she could see where it had consistantly gone up, up to that point, why couldn't she see the XXXX. I have screen shots of my credit score with them at that XXXX. My husbands is down to XXXX in that same time period. It seems that they are penalizing me for stopping their service. I would like a full investigation and a 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