vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX Account Balance has been actively under dispute since XX/XX/XXXX and is the subject of a CFPB investigation, TransUnion was notified on XXXX with documentation to demonstrate dispute status however continue to report late payment status affecting my credit score.

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 2021-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: KY

Complaint narrative:
I had disputed a charge from liberty mutual that took place on XX/XX/2021 and direct express the card company who my government funds go to had issued back a provisional credit adjustment on XX/XX/XXXX in ny favor of dispute. I had then withdrawn the amount ( {$32.00} ) on XX/XX/XXXX I noticed on my app for direct express there was a reverse credit added for {$32.00} so I withdrawn that. Same day on XX/XX/XXXX a couple hours later I noticed on app that I had overdrawn {$31.00} wondering why when these credits was given to me ( both ). So same day later I contacted directed express by phone one department seem to understand and was confused to why overdraft but wasn't her department to handle so she transferred me to the dispute team to see what was going on with my dispute I had. The lady there claim the dispute was still open. I asked why did I receive the credits already. She stated it was a temporary credit. And I told her I received two that I withdrawn that " they '' sent .she stated that one was sent back .I told her thats not my fault a d shouldn't be held accountable .also told her if they send two credits I felt I should withdraw if its on my card. And also told her that 1 dispute was XXXX I didn't dispute two XXXX thats not my fault for any overdraft fees and my account showing overdrawn XXXX. She stated that they still have dispute open and all she can tell me is " with attitude " is to wait and see if fund will be placed back on card or otherwise it will stay the same.i figure saying the same isn't right! None of thats my fault. This is direct express government card.and they are no good when it comes to issues like this. Once this is solved I'm thinking of having my funds go elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was a victim of fraud by an individual posing as someone selling Sports Memorabilia. I paid him and I did not receive the merchandise. Chase refuses to honor my claim because I voluntarily paid him. They claim that it's my responsibility to work it out with the vendor who is in jail for fraud. Here is a story written about the vendor. Yesterday they reversed the credit previously applied to my account and I am now negative {$2000.00} and my mortgage payment is not going to clear. 

Here is the story about the vendor posted online. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Capio Partners, LLC
State: MO

Complaint narrative:
On one of my many visits to the hospital for a XXXX the staff wrote in that i was injured on the job causing my insurance to back out and not pay. I had to fill out all kinds of reports deal with harassment and unprofessional behavior for months while doing thier jobs because no one at this hospital seems to know how to do thiers and furthermore would rather check a box indicating a work injury making thier job easier and destroying my credit. I talked to my insurance got the file number after several days of cat and mouse since i work very hard finally reached XXXX XXXX and gave them the information so they would stop harassing me for thier mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card on my credit report that I have no knowledge of, I submitted a complaint with Transunion on XX/XX/21 it's been well over 30 day and they have not responded back to me.

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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I used my Chase debit card to withdraw {$800.00} on a Chase ATM on XX/XX/2021. The ATM did not dispense any money. 

I contacted Chase Claim Department and they issued me {$800.00} temporary credit. 

Today ( XX/XX/2021 ) they sent me a letter saying that they will remove {$600.00} temporary credit. I called them again and they said their " investigation results '' show that I got {$600.00} of the money so I should only get {$200.00} credit. 

This is wrong. I got {$0.00} from the withdraw and {$800.00} was deducted from my account. No matter what their investigation says there must be some mistake with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: GA

Complaint narrative:
XXXX XXXX reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with XXXX XXXX failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and XXXX XXXX present a united front. That united front should continue even when the dealer makes a mistake like this. 

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in XXXX XXXX 's business processes. They need to make this right and rescind the information they provided to credit agencies.

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 2021-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
We applied for HELOC on XX/XX/XXXX. We were prompt with submitting the documents, but kept getting asked the same exact question about the difference in my XXXX vs XXXX income over and over again with no explanation why they kept asking. I gave the same answer every time. I had to demand that someone tell me what the difference was that they had an issue with, and none of the phone reps that I spoke to could tell me. After months of back and forth, it turns out that the underwriters ( multiple at this point ) did not look at all of my documentation, as I had uploaded multiple w2s for XXXX  as soon as w2 was requested in the very beginning of the process back in XXXX. This caused a significant, months-long delay and our contractor estimate expired for the work this credit line was for. Of course since material costs have gone up significantly, my new estimate has almost doubled. 

Secondly, I spoke with a rep on the phone, who scheduled our closing. The day before our first scheduled closing, the account rep ( different person ) called to schedule our closing. I informed him that we already had it scheduled for the following day. He replied that it wasn't scheduled and we couldn't close because the underwriters needed 3 days of notice. Fine, I rescheduled again, and this time - the day before - I was sent a request for most recent paystubs. I had provided these on three different occasions the first times we were supposed to close.

All of the details are documented in my account portal with Santander, and I'm sure there are plenty of phone records. This has caused me financial loss, and has damaged my credit significantly. The credit authorization I provided in the beginning had expired, so they ran my credit again without authorization.

I also suffer from severe XXXX  and other related XXXX XXXX that I don't want to disclose here, and this experience has caused me undue suffering and has been overall detrimental to my XXXX.

I have attached email correspondence, but the majority of the information related is logged in Santander 's systems.

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 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: CA

Complaint narrative:
The name of the company is etoro XXXX my email address is XXXX I was inquiring about a cost for a certain crypto how much XXXX coins would cost but instead they withdrew {$550.00} from my checking account their website platform made it appear you were checking the price not withdrawing money from your checking account a pure scam, I contacted the website by withdrawing the money but it keeps showing in process and only allowing me to withdraw {$510.00} but I still have not received it the process started on XX/XX/XXXX 2021and still nothing they say 1to2 days you can not contact them by phone they just give a worthless website to file a complaint that. They don't respond to. I want my money back it was taken fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: CA

Complaint narrative:
I have four Capital One credit cards, excellent credit ( XXXX ) and pay my bills on time. So after I received a charge of only {$14.00}, I called Capital One letting them know I did not make this charge. ( The charge was for XXXX XXXX, which I never made ) They said they would resolve it, which was six months ago. Five months ago, the {$14.00} charge appeared once again on my paper bill. 
I also spent another 1.5 hours on the phone to resolve as as I told them again this {$14.00} was not mine. They apologized and said they would handle it. Low and behold my next bill had the {$14.00} and late fee bringing the total to {$28.00}. I called once again, wasting time, spent another 2 hours talking to three different Capital one people, and finally spoke to a manager - who hung up on me. And each time when I received the erroneous bill I sent Capital One a letter of explanation, which did no good. The last letter I sent to Capital One was via Certified Mail on XX/XX/, which I paid {$4.00} out-of-pocket to do and resolve the matter. 
Yesterday, XXXX XXXX XXXX, I got yet another bill from Capital One for {$57.00}, yet again increasing my late fees and ignoring the Certified Letter I sent ... 
All this headache and hassle for a {$14.00} charge I never made six months back. 
In my opinion, Capital One is dishonest or at the very least incompetent and could not care less about its customers. 
It's obviously not only about the original {$14.00} I don't owe, but the fact they ignore a good customer and adding insult to injury, charge me late fees - basically stealing. Bad business as I won't use my Capital One credit cards again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: Professional Credit Management, Inc
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... PROFCRJXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter warfield continues calling my job over and over when Ive continued to tell them not to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a HELOC with Wells Fargo. 
It had ARM & it was converted into Fixed Rate Mortgage some time later. The Fixed Rate assigned by Wells Fargo was 6 % which was incredibly high. 
XXXX  XXXX XXXX converted HELOC to fixed rate of 3.24 % around the same time. 
When I contacted I was assured that they would contact me with the solution. But no call came and I did contact Board of Directors of Wells Fargo with the same results. 
Around {$100000.00} is outstanding today.

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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a bank account with Wells Fargo as a second bank and the problems started immediately I tried to overlook the bank erroneous ways but I feel that I was target I had a ach transfer going into this account and a direct deposit. This is the second time wells fargo closed an account with me back in XX/XX/XXXX they did so and later sent a lady saying the account was closed in error now they are doing in again I was told I made multiple complaints and alleged fraud and they refuse to tell me exactly what fraud was committed this is retaliation for complaints I made in several departments for the customer service or treatment I received from not being assisted with disputes etc

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 2021-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
Since XX/XX/2021 American Credit Acceptance has misrepresented and deceived me and has been collecting a debt of $ XXXX monthly. They continue to communicate with me through mediums such as phone calls and emails attempting to collect this debt even though Ive sent a debt validation letter, cease and desist disputing this debt, affidavit of truth stating I am the original creditor, exhibits, and invoices. I sent this on XX/XX/2021. Theyve since texted me stating payment is due, emailed me, and called. Theyve also admitted they got my cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XX/XX/XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2021, opened a new checking and saving account, in connection with a promotional offer where a {$300.00} opening account bonus was said to apply if a balance of {$15000.00} was deposited within 30 days and maintained for the next 60 days. The first condition was met on XX/XX/2021, and the second condition met on XX/XX/2021. Despite having met the requirements, the new account opening bonus has not been paid.

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