vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The refuse to fix the problem. This is not my account and they still have not sent me any documentation verifying what this inaccurate information is. It has been well over 30 days. I will be filing police report

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They restricted my account from me using my card its not fair when Ive sent them documents already before approving my application they requested and verified and mailed my new account and then restricted me again wanting the same documents this Makes no sense when Ive already provided them the documentation to verify its me when I call customer service they refuse to help this isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I wrote to Equifax requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from Equifax or any acknowledgement that an Investigation has started. I've attached my proof along with the accounts.

Equifax is not complying with their own policies in a timely manner. Equifax did not comply with their policies to complete and investigate items within 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a claim with Wells Fargo for {$2000.00}. And they denied my claim without contacting me to verify anything! How could I make those fraudulent charges if I was at work during the time of the transactions and the transactions were in another state! Wells Fargo is lazy and just a scam of a company. They didnt even try to do a thorough review. Even when I called the resolution department he couldnt even tell me how Wells Fargo came to the conclusion to deny my claim. Had Wells Fargo taken the time to reach out to me AS THEY SAID THEY WOULD, I could have provided them with evidence to show it was impossible for me to make those transactions. Wells Fargo is a scam!!! The bank is utterly useless!

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I received numerous phone calls from a number that kept hanging up, to both my home and my cell number. I finally got the person to speak. They are a collection agency, and had the wrong address, and wrong name, and were attempting to collect a debt, which was not mine. They assured me that they would not call again. I then received a notice from XXXX credit report that my credit score went from XXXX to XXXX, and that I had a collection against my account through Credence Resource Management. XXXX filed a Fraud alert and told me to contact the collection agency and the Federal Trade Commission. I did contact the collection agency, and they are sending fraud documents to me. They have an address in XXXX NY that is not mine. My ex-husband 's sister lives in XXXX NY and she has the same first name as I do. When I was married to her brother, we had the exact same name, but that was over 15 years ago. The collection agency stated that the person who they had the collection against used my social security number. I had an almost perfect credit score, and now it's ruined. I take care of my son who has XXXX XXXX. My life is very sad and very busy. This is the last thing I needed. I was told to file a report here as well. In the future, is there a company I can trust to pay for fraud protection? I now trust no one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
1Convergent Outsourcing ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.

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 2021-11-04 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: SC

Complaint narrative:
This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.

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 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 the calls are always at least 3xs per day and from XXXX. I've attempted to set up a payment with them but I'm not working so I couldn't and after that told them to please not call anymore they continue to call and harass me constantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went to the Wells Fargo ATM at XXXXXXXX XXXX to withdraw {$960.00}. The atm did not give me my money and the funds was withdrawed from my account. The bank refused to give me my money back and told me to file a claim.

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 2021-11-04 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX at XXXX there was a charge from my Cash App card for XXXX that o did not make or authorize and at XXXX another unauthorized payment was taken from my account for XXXX. Both unauthorized usage went to XXXX Store in XXXX, Texas. I tried reaching the merchant by phone but they only have a chat support service. I did the consumer chat service and explained why I was calling they told me that they show no charges for the money I reported was to XXXX  Store. I called Cash App again and reported what the merchant told me. Cash App sent me a long list of things that I needed to file with them for my case. I promptly fill out their needed information and sent it to them completed. That was done on XXXX, now today XXXX they sent me another long list which asking if I filed a police report. I did contact the police here in XXXX, Texas where I live and filed a report but Cash App wanted a copy of the report in full detail sent to them also. The police told me that they have never heard of a company request for a copy of a report sent to them. But the policeman gave me his name, badge number and phone number and me to give Cash App this information and they could call him and hell give them the information they need about the report. But I cant reach Cash App to give them the answer to what the policeman told me because a recording from each time I called says that they have a high volume of calls and to request a call back to the number I dialed from. Well I did that and they did call and asked me what problems I was having. I told them about what was happening and I wanted an update on the case I file with them concerning my money missing from my Cash App account but the phone went silent and I got no response from them after asking was they still there 3 times I hung up. Social Security is all I get and to have this money fraudulently and unauthorized taken from me is very serious, they took all of the XXXX cents I deposited in my Cash App account and now they seem to be ignoring me or sending me more questions about why I need to fill out more paperwork. I need help retaining my money back from my Cash App Visa Card. I have a medical trip out of State and that money is needed badly for this medical trip. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I started receiving emails from a company called Moneylion thanking me for opening an account .... the problem is that I didn't open an account with them. I immediately contacted the company to let them know. They claimed they couldn't do anything about it and I had to contact their Fraud Dept. the problem is they gave me 3 different numbers, none of which ever lead to talking to a person. 

They used my email to set up the account, so I was able to go in and reset the password. Unfortunately, I am unable to determine what had already been done. The phone number used to verify the account is not mine but still remains on the account because they will not allow me to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Today I am writing in regards to a massive issue which is occurring on my credit report. When the pandemic began I reached out to loan care to be entered into the forbearance program. The process seemed to go well, at that time I was never notified of any payment due at that time or any impact of not making a payment may have. Fast forward about a year I notice on my report a year worth of late payments reported. As soon as I noticed that I made the payment. 

I have a stellar payment history and making payments on time is super important to me. I am very disappointed by the deception upon entering the forbearance and the lack of information.

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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a Citi Bank debit card holder. I wanted to transfer my rent to my landlord from CITI bank to XXXX XXXX. I finished my wire transfer on XXXX XXXX and It is already XXXX XXXX. My landlord still di n't receive money. Citi didn't give me an explanation and solution to this. 

The transfer is on : XXXX, XXXX Wire transfer : CITI BANK Amount : XXXX $ Status : not transferred

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 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I purchased a new vehicle in XXXX with financing through Navy Federal Credit Union. 

My final payment was due on XX/XX/XXXX in the amount of {$610.00}. 

I made the final payment on XX/XX/XXXX. With the added interest the final amount was {$610.00}. 

On XX/XX/XXXX my account information online showed a {$0.00} balance with nothing due. 

On XX/XX/XXXX Navy Federal added an account adjustment and increased my balance to {$28.00} with a due date of XXXX/XXXX/XXXX. 

On XX/XX/XXXX my XX/XX/XXXX auto loan statement was also issued. It showed my payment from XX/XX/XXXX with a {$0.00} past due amount. But it also showed that I still had a {$29.00} balance plus an additional {$29.00} late fee. Neither item was listed as past due on my XX/XX/XXXX statement. 

I attempted to pay whatever amount was owed on my account on XX/XX/XXXX ( 10 Days days after receiving my statement ) but when I logged into my online account all charges had been adjusted/ removed and the balance was {$0.00} again and it did not let me pay. 

I assumed the account was paid then and in good standing. On XX/XX/XXXX I was notified that my auto loan account was reported 30 days late to the credit reporting agencies. Additionally I received a letter on XX/XX/XXXX stating that my account was in default for the amount of {$29.00} and could be repossessed. 

I have contacted Navy Federal in writing via secure message and by phone and told that my account is at {$0.00} balance and paid off in full and that no further payment is needed. When I asked about the 30 days late payment history reporting and the information based on the statement I was told that " It is something I have to work out with the Credit Agencies and that they have nothing to do with it ''.

Navy Federal is reporting me 30 days late for an amount they notified me of on XX/XX/XXXX. At the same time the system does not even let me pay anything since it shows a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04 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: Motolease, LLC
State: SC

Complaint narrative:
This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I filed a complaint with the Consumer Financial Protection Bureau ( XX/XX/2021 ), complaint # XXXX against Bank of America XXXX 

I had been communicating with Bank of America 's Escalation Department for the months of XXXX 2021 ( in regards to the Deed of my property being incorrect ). 

After I filed my complaint with the Consumer Financial Protection Bureau, my ability ( XX/XX/2021 ) to pay my mortgage ( online ) was blocked by Bank of America. 

I recieved an email, after speaking with several representatives from Bank of America, telling me that my account ( to pay my mortgage online ) was blocked because I am currently in an adversarial proceeding with Bank of America, such as active litigation, mediation, or arbitration & that all further communication will be from Bank of Americas counsel.

This seems unethical and illegal to block my ability to pay my mortgage as a result of my filing a complaint against Bank of America.

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 2021-11-04 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: Lending Club Corp
State: IL

Complaint narrative:
I have reporting on all ( 3 ) credit bureaus that my Lending Club loan account and XXXX XXXX XXXX XXXX car loan accounts are showing as " closed accounts '' and not as " paid in full '' which is lowering my credit score. I'm asking that this is corrected on all ( 3 ) bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am constantly being harassed and threatened with legal action for a debt that is over 12 years old and has already had a negative impact on my credit score. 

The company 's name is XXXX XXXX XXXX XXXX ( XXXX ) XXXX. The initial debt was with Barclay 's bank Juniper card. 

I get at least two phone calls per week with these threats.

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 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
XXXX  months ago I started my process to refinance my home loan with citizens bank. there is no progress with them. I have been in my home for over XXXX yrs, I was laid off last yr for covid19 issues- I missed XXXX payments i have been in the forbearance plan for almost one year. I have made 8 full current payments to citizens bank, I asked to be removed from forbearance so i can refinance -but they are demanding a full payment for over XXXX. They will not let me make a payment via online. only per phone call which is almost 30 minutes of there questions or mail in a check. I need help to lower my payment so please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXXXXXX XXXX XXXX we did a loan modification.WE have paid every mortgage payment. WE even have statements from Santander showing they received each payment. In XX/XX/2021 we start receiving these letters saying This document is an attempt to collect a debt. After at least a dozen phone calls to Santander finally thinking we found out that they sent one of our mortgage payments to escrow instead of applying it to our mortgage. While each month our credit report is taking a hit. Again this month I receive another letter saying they are trying to collect a dept. With another phone call and the last one we talked to a manager who did not know why we were receiving these letters showing to him that all mortgage payments have been made. He sends it over investigative division. So as this is still lingering on and my wife and I credit has went way down there needs to be some repercussions towards this bank for what they have done to us and our credit worthiness.

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 2021-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: GA

Complaint narrative:
Elan Financial is reporting and making attempts to collect on a debt not owed as this was discharged in bankruptcy

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 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lending Club Corp
State: GA

Complaint narrative:
Lending club bank is still reporting and trying to collect of this debt not owed even though it has already been discharged during bankruptcy

Company response to consumer: Closed with explanation