vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Currently through Wells Fargo I was hacked on XX/XX/2020 they took a total of XXXX dollars and it was two transactions one for XXXX and another for a XXXX both of these transactions I did not Authorize them then they told me wait 10 business days then I caught these fraudulent transactions while it was pending I called them immediately But then the date changed from the XX/XX/2020 to XX/XX/2020 I called and asked why they said it was the posted date I asked why would they post somthing I didnt approve but they denied my claim saying I approved of the transaction with the phone verified on file but I did not get any text email of phone call of this going on wheel this was happening I was at the doctor for a XXXX XXXX and I had no idea This was going on or anything then they told me they will not reopen the claim because I authorized it which I did not

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 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
My fiance sent me a cashapp of {$500.00} that got canceled later over an hour. I notify him of the problem. He decided to call the cashapp customer service number from the app.i received couple of calls later stating that my husband was on the cash app line and the needed to verify some information from me.i was asked to download some consumer support app on my phone where they can see all the transactions and also check my XXXX XXXX account to see if the money was in.i was spun around the bank app and was led to send out the XXXX .they give me their manager email XXXX on XXXX .they said they were trying to see why my account kept rejecting his payment. When I asked if the money was going to be refunded on his card that's where all the problems started. 
I was even told I should go to a XXXX and i asked to do what there? All the cash app customer service numbers we searched on XXXX is owned by XXXX scamers.ever person we spoke too was telling us the same thing to download the app on XXXX  or XXXX XXXX and later go to a store.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: BANCORPSOUTH BANK
State: MS

Complaint narrative:
I have had my credit card with BancorpSouth Bank in XXXX, MS for quite sometime. I pay my balance in full every month. I use the card for online grocery purchases, gas and some other occasional online purchases. 
On Monday, XX/XX/XXXX, I was notified through XXXX  that my authorized subscription for {$5.00} was declined by BancorpSouth Bank and that I needed to provide another form of payment. I knew this had to be a mistake. On Wednesday, XX/XX/XXXX, I used my BancorpSouth card at XXXX and at the gas station. Late Wednesday night, I created an online grocery order to XXXX. When I tried to use this credit card to pay, it was again declined. I thought maybe their system was down so I attempted again. 
During banking hours on Wednesday, I sent an email to BancorpSouth Customer Service to inquire what was going on with my credit card account. I received a response that I would be contacted within 24 hours. 
At XXXX XXXX  on XX/XX/XXXX, BancorpSouth Fraud and Risk Management Department contacted me and asked me to return their call. I called them back and spoke with XXXX. He immediately asked me for my card number. I refused to provide. In this day and time with all of the fraudulent transactions, I could not believe they asked for my card number. There has to be other ways to verify your identity. He said my card was placed on hold on XX/XX/XXXX and wanted to review some transactions with me. I asked him why it took 4 DAYS to contact me and that I had several transactions declined because of their hold. He provided no explanation for the delay in trying to reach me. This is very embarrassing! XXXX will no longer accept my BancorpSouth Bank credit card as a source of payment because they think I was past due or over my credit limit. What if I had been on vacation with this credit card as my only source of payment??? 
It is very obvious to be there is no standard of care or customer service at this bank. I still have not received a call from their customer service and it has been well over 24 hours mentioned in their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have requested validation of debt in XX/XX/2020 on two accounts with LVNV Funding and no response was given, yet when I started an investigation with all 3 credit bureaus, the results came back as verified and updated with no proof. I have went through at least three rounds of disputes and the collection company still claims all info is accurate yet information like open date and last activity are different across each bureau. There is also a past due amount reported on both accounts which is an FCRA violation. These accounts have also been removed/closed from my credit report on all bureaus but have been placed back or reopened on XXXX  and XXXX  which is also illegal. I demand these inaccurate accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MO

Complaint narrative:
I have a charge-off from 2016 that has already been removed by XXXX   for inaccuracies in the reporting. The creditor is XXXX XXXX / XXXX. 

I have sent multiple letters with documentation and Experian refuses to remove it but does not offer any valid reasons why. I have demonstrated over and over that it has clear errors. Please help.

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 2020-09-03 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: Conn's, Inc.
State: SC

Complaint narrative:
I settled an account with Conn 's but my credit report is reflecting that I still owe a balance. I need this corrected ASAP. I called Conn 's and was told I needed to call XXXX. XXXX told me that I needed to call Conn 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2020 i received a renewal notice of my CD without ever being notified it was up for renewal on XX/XX/2020. I always receive written notice and phone calls from my banks when my accounts are maturing or if there is no activity, but I received neither from Onewest bank. I went to the local branch in XXXX XXXX XXXX XXXX, XXXX XXXX to correct this unauthorized renewal, but the manager said nothing could be done and the CD would remain fixed as is. I reminded them other mistakes were made by their bank and consideration for this latest mistake should be taken, but the response was the CD would remain as is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Documentation from the lender was sent over to get signed and authorized for an extension to pay the monthly bill due to COVID-19 relief. 

The document was signed on XX/XX/2020, and returned to the lender. 

Per the document the following months were going to be extended : XX/XX/2020 XX/XX/2020 A few months later the lender reported to the credit bereaus that there was a missed payment for the month of XX/XX/2020 affecting my credit to drop several points. 

I sent the lender a letter to dispute the reported information, but did not hear back, so I submitted a Transition dispute, but nothing got resolved unfortunately. 

At this point the payment has been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX XX/XX/2020. i made an attempt to transfer {$400.00} to a company in XXXX from a branch of Citizens bank at XXXX XXXX XXXX XXXX, XXXX, PA. 
I was told the bank 's charge is {$40.00} and since the money was going through another intermediary bank ( XXXX XXXX ), i made the transfer {$410.00} in order to account for the charges by the intermediary bank so that the final recipient will receive {$400.00} because that is the minimum transfer i can make in order to qualify for the deal i was looking for. 
One later, i got informed that the recipient got {$380.00} instead of the {$400.00} and because of which i lost the deal i was to make. 
When i complained to citizens bank, they told XXXX XXXX XXXX got an amount from the transaction and that made me to lose my deal. 
I have no other option than to recall my money which will cost {$50.00} and citizens bank ready to charge another {$12.00} for me to receive the money. 
I want a refund for the {$40.00} citizens bank charge me as well as {$12.00} they will charge for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
About {$20000.00} in cash advances without there even being enough to pay current outstanding debt. 

How can financial companies expect people to trade narrow money 11x to solve the debt? 
I have submitted another complaint for XXXX 's threaten to sue, but my lenders are still accruing interest before an eleventh of the outstanding debt is even paid with the existing lot of money ... That's impossible and the unforeseen circumstance is the Federal Reserve not keeping up. Otherwise the acuquiecense to the impossible debt-contract under duress is based upon the unrequited consent of the borrower 's employer or customer. If your agency really protects people financially you would consider invoice speculation and credit intervention abuse, automatically rendering it void because it is impossible without the Federal Reserve printing against or garnishment from savers without their consent.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Contacted Equifax, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again Equifax and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call Equifax one more time and they required one more time to contact my lenders. The problem is that everytime I contact Equifax they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the Equifax Buisness department??.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. 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 XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-03 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: TN

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 I asked Experian to investigate the payment history on the Us Department of Education Loans that are showing up on my credit report, I have been making on time payments on the student loan accounts since XX/XX/XXXX, I was enrolled in the student loan rehabilitation program. I made 9 consecutive payments to get out of default. The loans have since been transferred & bought by XXXX  XXXX, therefore they are not 180 days late as of XXXX. Please correct this. None of those payments are showing on my Experian report. In fact when they updated the report The student loans show that i'm 180 days late as of XX/XX/XXXX which is false and 100 % inaccurate and has caused my scores to drop 87 points which has hindered me from obtaining new credit. Please investigate and correct this. Also Experian needs to provide evidence of a true investigation and I need to know what information was used to obtain the information collected during their supposed investigation to come to their conclusion.

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 2020-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
I was placed into a covid-19 pandemic deferral program by Audi Financial back XX/XX/2020 until XX/XX/2020 and the total placed on the back end of the lease ... I was told that a lot of customers are struggling to make on time payments due to inconsistency with income so they were not going to report any negative remarks if more than 30 days late to the credit reporting agencies until further notice and that they are only reporting " D '' for no data on all Audi financial customers that are struggling to make on time payments. For some reason I scheduled my XXXX payment online to be paid on XXXX and payment is due XXXX it didn't transact so it hit on XXXX and was considered more than 30 days late and they reported a late to the credit agencies dropping my credit score and said that it was a mistake and it should have just shown " D '' for no date per the audi fin reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I contacted XXXX XXXX  to inquire how utilities were turned on in my name in Pennsylvania. I am a South Carolina Resident. I was informed that a caller with my information was able to obtain utilities using my name and social security number. I was told there was no identification verification conducted. No photo identification or signature was obtained from XXXX XXXX before starting this account. This debt does not belong to me. I have tried to explain this to the Argon Agency as well as XXXX XXXX. This debt remains on my credit report fraudulently. Please provide proof of ownership such as a lease with photo Id and wet signature or remove from all credit reports.

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I applied for mortgage deferment during COVID in XXXX. My deferment was approved and I was provided both the written and verbal communication that I will be allowed to modify my load and defer these 3 months payment to the end of the mortgage. I resumed my payment in XXXX. 

My account continues to show not current and that I owed the 3 months of balance. I had tried to resolve this with Wells Fargo and they had provided written confirmation on on XX/XX/XXXX and XX/XX/XXXX that the deferment has been approved and the balance will be tagged toward the end of the mortgage terms. 

My account continues to show that I have a 3 months balance and not current and I am not able to even pay my monthly mortgage online. I had escalated this to Wells Fargo executive team and have been working with XXXX XXXX, XXXX XXXX. 

I spoke with XXXX on XX/XX/20, XX/XX/20, XX/XX/20 to discuss the letter and why. my account is still not showing current and I can not make mortgage account online using my joint Wells Fargo Checking account. He told me that it must have ben a technical glitch and to wait till close to end of XXXX and early XXXX to see whether they have been updated. I called again on XX/XX/20 to discuss this issue and again left a voicemail on XX/XX/20 to request a call back to resolve this issue by end of business XX/XX/20 and till this date, I have not received any response from Wells Fargo and my account is still showing with a 3 additional months balance and I am still not able to make online payment. 

Wells Fargo continues to make mortgage payment difficult which poses hardship to home owners especially during the COVID pandemic.

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 2020-09-03 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: MS

Complaint narrative:
TransUnion Refuses to Perform Its Obligations Under FCRA 611 ( 5 ) ( A ) ( i ) By Their Refusal to Verify the Five Items of This Dispute As Requested in My Most Recent CFPB Complaint # 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 2020-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Someone used a wire transfer to wire money from my savings account at Wells Fago and I have been told that they can not give me the money back because they said I authorized it. I DID NOT! This happened on XX/XX/2020. I have been trying since then to get my money back.

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