vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX, I inquired with someone about buying a XXXX XXXX through XXXX. I should have noticed the first red flag when i texted and was asked to pay through XXXX, but alas i was scammed out of {$150.00}. The seller gave me their phone number and i proceeded to text them about the product. They promised to ship via usps and I went through, assuming it was legitimate. I paid half up front and my XXXX  transaction is titled as so ( 1/2  switch ). The payment was posted on XX/XX/XXXX and the money was immediately taken out of my account and i am currently down {$150.00}. The user, XXXX XXXX, provided a fraudulent tracking number which obviously never updated. I have screenshots of the entire conversation and if needed can provide any additional information. I noticed the issue after my number was blocked and i couldn't send any more texts. I submitted a claim with Capital One and was provided a provisional dispute credit on XX/XX/XXXX. I was informed yesterday, XX/XX/XXXX, that my claim was denied and I called the claim department today, XX/XX/XXXX, and learned there was no further action I could take. I have attached a zip file with 21 screenshots of all my conversation with the person who scammed me out of my money, alongside a copy of Capitalones response email when denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
This is regarding a late payment record that was reported inaccurately by Honda American Honda Finance. I had recently checked on my credit and it shows that there was a late payment reported in XX/XX/2015. My recollection of the event was that I had gone out of the country during that time and had made my payment via the internet and had logged in to pay for my account on the site. I was able to set the amount and I had clicked submit and logged off and payment had posted on my bank account as pending. When I got back from my vacation out of the country I had noticed that the payment did not go through causing me to be late on my payment. I had contacted Honda Financial Services regarding the matter and had paid the whole balance that same day. I was assured by the account representative that it's hard to pinpoint what went wrong and that there was nothing to worry about and since I don't have a history of late payment that it should not be taken against me and I have moved on from that and the same error never occurred for the remainder of the account. I had contacted Honda Financial regarding this matter and they had sent me a copy of the account via mail proving that my payment was indeed late. I am aware that the account was late as it shows on my credit the problem was why it was late when I had made the attempt to pay for my due balances the same way I have been every month before this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Spoke to an agent about errors and " Boost '' product, and an hard inquiry showing but no new account reported, and a balance update, and the rep was being extremely rude ( to the point i said i don't have to tolerate you being rude ) so I hung up on her, and filled out a complaint form on the site - The next day ( today ) 'mysteriously ' I have two missing current credit card accounts, an open acct showing closed, a loan misreported etc. AND I opened my email to an Experian member alert that " congratulations '' my score WENT UP - then upon clicking link & going to the site I have messages that say : your score DECREASED your score INCREASED new cc account opened credit line increase your utilization went down your credit utilization decreased significantly on one of your accounts congrats on a loan payoff Spoke to a new rep today and made an escalated complaint & was told upon investigating that because I had disputed my balance on one of my perfect accounts ( i got a credit increase but it was not showing ) and the creditor neglected to answer that they DELETED THE ENTIRE ACCOUNT ; She stated this was due to FCRA rules - I said this was preposterous bc I have disputed a late payment before and when the company didn't respond the payment was corrected, the account itself was not deleted. This still does not explain all the other shady-ness but it is a starting point. I was told I have no recourse on that one other than to ask XXXX XXXX to re-report my whole account ( not sure how ) and she further said she would tell the supervisor abt the other stuff. This all took place XX/XX/XXXX, XXXX, and today the XXXX. 

** P.S. to this - I just got off the phone w XXXX XXXX and no matter whom the rep at XXXX XXXX asked, they all said they had no idea why the entire acct would have disappeared/been deleted from Experian - bc they " reported my last update to Experian on the XXXX at XXXX XXXX  '' - So there is DEFINITELY something ILLEGAL going on at Experian. They ( XXXX  XXXX ) further said they have no other department to 'manually ' re- report my entire acct and history to Experian. and suggested I call experian 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
Consumer complaint received 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX reported a late afternoon payment for XXXX but I made a payment in 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 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with transunion and XXXX, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.

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 2020-04-23 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:
A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with XXXX  and experian, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.

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 2020-04-23 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: TX

Complaint narrative:
A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXX and XXXX refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXXs and XXXX refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.

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 2020-04-23 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:
APPEARING ON MY EXPERIAN REPORT, XXXX/XXXX  ACCT.NO.XXXX, IS being wrongfully reported as the result of a XXXX dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition balance chased and charged fees that are illegal.

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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.

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 2020-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
Okay so the company by the name of the gold acceptance made me feel very uncomfortable because they have no respect my wishes or respect in my values or comply with a payment plan the rude and very disrespectful they and very disrespectful XXXX respectful that the company wants me to pay them pay them a balance that is way too high for my financial economical status and they dont want to take any more payments any time that I try to make a payment plan with them and they want to stress me out by yelling at me you make me feel very uncomfortable rude and on top of that they are cussing at me on the phone yelling at me make me feel like I am in nimwit. I spoke to this lady by the name XXXX on saturday at XXXX and she was very rude to me about everytyhing solution with all of this I would like them to give me a statement of plan with a credit balances I want also want them to give me the credit they owe me of XXXX they are charging me two sides of insurance while they say that i owe them XXXX XXXXof insurance they dont want me to have a balanced statement. Im not satisfied with the services the mount more money on my account while iam paying them as much as i could they stress me so much that they constantly want me to get overwhelmed that its causing me unbeneficial health problems. So my resolution would be that i want them to set up an adequate feasable & nbsp ; payment plan that i can afford.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
XX/XX/2020 the amounts are the following : {$31.00} and {$81.00}. The company stated it takes 5 business days another stated it takes 4 business days for pending transaction to remain in pending but the bank information states 3 business days. The representative was asked to released the {$31.00} because it will not be shipped due to the Covid 19. They refused. This has happen several times with this bank causing NSF in my account. The bank representatives was read the disclosure verbatim and was told were to find the disclosure.

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 2020-04-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was using a Target Red Card at Target to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. 

When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from Target for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called Target on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX   balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two.  She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by Target. She told me again that it would take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband opened a small estate act at wells fargo on XX/XX/20 at the time wells fargo said our paper work was all correct after they sent in to the legal dept and that's all they needed the check was deposited and then got cashiers checks out to send to family members and we left money in the act to keep it open every thing was good until banker XXXX XXXX XXXX at branch XXXX XXXX called me and said wells fargo flagged the act and they would close our act on XX/XX/XXXX due to no paper from judge stating my husband as the administrator XXXX and XXXX branch manager sent in complaints on our behalf and my husband called and made a complaint with XXXX her direct line Is XXXX ref number is XXXX as he stated to her in a small estate there is no court or judge only family members a point a administrator witch they did my husband and had the letter notarized I have been told by numerous attorneys that we are correct and have everything we need to open a act so this is our problem with wells fargo thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: GA

Complaint narrative:
On XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.

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 2020-04-23 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: GA

Complaint narrative:
On XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX  continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have called by phone multiple times, emailed multiple times ( XX/XX/XXXX and XXXX and XXXX ) for which I have copies, and sent a written letter on XX/XX/2020 to my mortgage servicer, Wells Fargo Bank, requesting a 6 month forbearance under the CARES Act as I have had not income for nearly 2 months and my business has had a 90 % reduction in income due to the Pandemic. I know that XXXX XXXX   owns my mortgage. I have been put on hold for hours, and had only form emails and letters in return none of which is in reply to my clearly expressed request for a 6 month forbearance. Wells Fargo has replied in a form letter that I will have a 60 day deferral at which time i will owe full back principal and interest as a balloon payment. I do not have any other options to contact Wells Fargo and all attemts to communicate which have taken hours do not get me to a real person but only result in form letters that are not responsive to my direct request made with identifiers of my loan number and numerous ways to contact me. 
Please help me get a direct response to a simple direct request that I know is provided for by the CARES Act that I will receive 6 months forbearance.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Payment on may Valley Bank credit card is due tomorrow XXXX XXXX. So my beloved wife XXXX and I drove to the local branch in XXXX a mile or so from our home. BUT THE DRIVE IN  WAS CLOSED AS WAS THE BRANCH ITSELF. So I mailed my check at the XXXX Post Office for hoped for delivery to the XXXX branch of the bank on XXXX XXXX! 

But I fear that the Valley Bank will claim it did not receive my check on XXXX XXXX and so charge me a sky-high late fee which would be totally unjust as its branch and its branch drive in were closed as aforementioned! 

I SHALL NOT PAY ANY LATE FEE OR INTEREST NOR MAY THE VALLEY BANK REPORT ME TO THE CREDIT REPORTING  BUREAUS! 

The branch should have been open even during the coronavirus pandemic! Where does Valley Bank think customers are to bank? ON THE MOON?

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 monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: iQuantified Management Services, LLC
State: FL

Complaint narrative:
Over the past few months I have been receiving calls from various numbers, including from ( XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and from ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX. They are robo-calls claiming to be from iQuantified Management Services and they claim to be a debt collector. I do not have any unpaid debts so I do not know why they keep calling me. They claim I need to call the number ( XXXX ) XXXX. I checked the website of this company and I don't see that number listed as belonging to them, but I have seen that number described by others on the internet claiming it is a scam number.

Company response to consumer: Closed with explanation