vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a very good long time customer who has had numerous car loans, credit cards, and a personal loan with US Bank. Initially when covid started they denied deffering any payments, then offered it after a complaint, now they are back to not offering any relief for people like myself who is impacted as a XXXX. I called on XXXX spoke to XXXX and she said they are not offering more extensions and not offering to help anyone. US bank is a very large dominant bank and not helping people impacted. Other major banks have extended their Covid relief program but USbank continue to not be cooperative. 
They continue to charge interest on my credit cards and negatively report to the credit agencies that I am over the credit limit. This is unfair practice. I have attached the screen shots showing that they offer assistance, then when you click on it, it says you maxed out, and call in, when you call in then they straight out deny.

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 2020-07-28 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: TX

Complaint narrative:
I sent several disputes to all three consumer reporting companies, Transunion, XXXX, and XXXX for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.

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 2020-07-28 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:
I sent several disputes to all three consumer reporting companies, XXXX, XXXX, and Equifax for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my loan back in XX/XX/XXXX, Loancare kept a portion of my Escrow balance with out my approval {$1800.00} to be exact, and will not return it. On the Escrow balance it is showing that return as a negative, and does not explain why. On XX/XX/XXXX I spoke to two different Loancare employees who told me I had to email payment research about this problem. See email and response below REFERENCE NUMBER : XXXX Please use this ticket number in any correspondence with us. 
SUBJECT : Re : Loan # XXXX Dear Valued Customer, Thank you for contacting us. 

Please be advised that the funds were used towards paying off your loan because the payment on XX/XX/XXXX was returned. We wouldn't be able refund the funds. 


Please feel free to contact us if you have any additional questions. 


Sincerely, Customer Support XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 

*** this email was scanned for malicious content *** ********************************************************************************************** In case this email does not fully answer your question, or you would like to contact us for any reason, simply reply to this email. You can also get immediate assistance using our Chat support service at : ========== Original Message ========== From : & # 60 ; & # 62 ; Subject : Re : Loan # XXXX IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

& # 62 ; & # 62 ; To Whom it may concern, & # 62 ; & # 62 ; I did a refi 5 months ago and part of my escrow balance was applied to my loan with out my approval. I am going to need the remaining balance that is owed {$1800.00} & # 62 ; sent to me. I am going to call the CFPB and would like this resolved very quickly!

& # 62 ; & # 62 ; Sent from my iPhone

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 2020-07-28 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting an erroneous debt on my credit report that I do not owe. This debt is really old. Not only is it past the statute of limitation, but it's also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit 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 2020-07-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Purchased a {$50.00} XXXX gift card at a XXXX grocery store on XX/XX/XXXX using an XXXX   card Card # XXXX pin XXXX Used it once or twice. After the last use, the card had a remaining balance of {$2.00}. When I attempted to use it on XX/XX/XXXX, I found that someone had drained the balance. Called issuer ( XXXX ) They advised that it was in fact used for {$2.00} on XX/XX/XXXX at a station in XXXX XXXX, fl that I do not frequent. Contacted XXXX ( retailer ) they would not be able to help me. Contacted XXXX. They said I would need to forward them the ORIGINAL RECEIPT and the card for them to consider a refund. I explained that I do have the original receipt, but I do have a credit card statement showing the purchase on XX/XX/XXXX. XXXX states that this is insufficient. Consequently, here is by complaint This resulted from a lack of security on the part of XXXX allowing for the cloning of gift cards. If these cards had simple security measures ( chips, Pin #, zip code ID, or registration ) perhaps these frauds would not be as prevalent. 

XXXX acquired by Blackhawk network

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND EQUIFAX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR XXXX XXXX 

PAYMENTS THAT ARE MADE TO XXXX XXXX   WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED XXXX   XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CA

Complaint narrative:
FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. 

PAYMENTS THAT ARE MADE TO XXXX XXXX   WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED XXXX   XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A  CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.

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 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XX/XX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The Ref # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XX/XX/2020 and was advised by another agent to re-file my amendment request ( Phone call Ref # XXXX ). Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase ( Phone call Ref # XXXX ). Again, no one called or emailed me from Chase. Finally, on XX/XX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did ( Ref # XXXX ). Since then, I have called Chase Bank several times to follow up on this issue and the wire transfer phone line has never been answered, but rather a recording directs customers to send an email while the email center advises customers to call the wire transfer line. The only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have several accounts with Pentagon Federal Credit Union ( Pen Fed ). Due to the pandemic I became behind on one of credit cards with the Pen Fed. I contacted Pen Fed and was told that my HELOC was in jeopardy of closing if a payment wasn't made that day. I made the requested payment to keep my HELOC open and not negatively impact my credit score. 
Despite the agreement the HELOC was closed anyway. I called the bank and was told that a supervisor would look into the matter. I called several times and was told the same thing. Then today, XX/XX/XXXX I called and was told that the HELOC was closed due to my credit score dropping. The loan is a secured loan and after reading all of disclosures no where is it stated that the account can be closed due to credit score. It does state that the credit union has a right to freeze the account for non payment. But this was not the case. 
The credit union made a verbal agreement to keep the account open but not only did they renege on that agreement that closed the account for reasons that were not part of the disclosures documents when the HELOC was opened.

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 2020-07-28 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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2020-07-28 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: TX

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} TBOM MILSTNE XXXX {$75.00} FST PREMIER XXXX {$670.00} FST PREMIER XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, The company involved is Capital One ; City of Industry, CA. 
I have had a credit card w/ Capital One for several years, however, I paid off this account and destroyed my card, and never ordered another one. ( My wife also destroyed her card years ago, & is still paying off a smaller balance on that card ... on time, every month! ) Just about a month ago I received a statement in the mail, claiming I had a previous balance of {$100.00}, and now stating that I owe {$140.00}, as of XX/XX/2020 ; w/ a 'minimum due of {$93.00}!? ' What??? ( Just received this late last week. ) First of all, as I mentioned, I do not even possess a credit card with Capital One, as I destroyed it years ago and never ordered another one! I have made NO purchases through this corporation in YEARS!, and they continue to send me statements that have been showing XXXX balance, up until now!? ( Just another annoying factor! ) I have been unavailable and had my wife call Capital One on Tuesday, XX/XX/2020. ( She called : XXXX ) She immediately asked for a supervisor, spoke w/a man named XXXX, explained the entire situation, and he then transferred her to the 'collections department.??? She then was speaking with a man named XXXX, and once again explained the entire situation. XXXX proceeded to tell my wife that something was charged in XXXX.? Really???, not by me! 
Today, Tuesday, XX/XX/2020, I receive another statement reminding me that my payment is due by XX/XX/XXXX! Payment for WHAT? ( certainly a form of harassment! ) When my wife asked XXXX what the charge was, he rattled it off very quickly.? She then asked him to send a copy of the charges ( the actual statement showing the merchant & purchase ) ... as I've NEVER received a statement showing these 'fraudulent charges! ' He said he could not, that he'd have to talk to me or send it to me? Why doesn't he then??? I live at the same address as my wife!? Another suspicious, odd circumstance. 
Capital One is a horrible, greedy company that preys on it's customers! We've had cards w/ them for quite a few years, & when my wife was very conscientious w/payments, she asked them to work w/us on the interest. They said the COULD NOT! 
They are a crooked, money-hungry company, and we can only hope and pray the truth be known, so they stop harassing and scamming poor, innocent customers!!! 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
retired received a usbank reliacard took me two days to cancel was told to use this web site to report fraud.

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