vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VA

Complaint narrative:
I purchased some XXXX XXXX XXXX  from XXXX XXXX ID : XXXX in XXXX the item came with a missing part and the product would fall out of my ear. I returned the item back to XXXX on XX/XX/20 as instructed with their return label and XXXX tracking # XXXX. XXXX received the package on XX/XX/20 and never issued a refund. After numerous attempts in contacting XXXX I was getting the run around and never received a refund. I started a dispute with my credit card company Discover in XXXX. In mid XXXX I was informed by discover  the tracking receipt I provided was not sufficient prior to that I was not notified that they needed additional information. I then reached out to Discover dispute customer service department were I was asked to provide a XXXX confirmation document, I did that, then I was asked that I needed to get XXXX on the phone line, I did that., at that time someone from XXXX XXXX on a recorded line from Discover and spoke with the agent and confirmed that XXXX XXXX the package and they did not understand why a credit was not issued. Discover credit card agent stated he had enough information to re open the case and if I have not received a credit in 3 days that Discover will issue a final credit and close the case. It has been several weeks the credit was not issued from XXXX and Discover is now asking for me to upload the document stating that XXXX would issue a credit, I uploaded the email to get Discover agent to say it was not enough. I am out {$240.00} no money no merchandise and a credit card company that is proving terrible customer service. I have had to do all the work for Discover so I can continue to get the run around from both companies. This is terrible customer service from Discover and a failure to protect the consumer from XXXX and their inability to refund clients. Discover has continuously provided misleading expectations and purposely has failed to protect my rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 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: CA

Complaint narrative:
XXXX  and Experian are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX/XXXX  is fraudulent on my credit Account # 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 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Chase Bank is discriminating against consumers impacted by covid-19 intentionally and knowing committing desperate treatment. 

I filed a CFPB complaint ( XXXX ) regarding issues getting XXXX  fees refunded, which they are voluntarily offering back if you called to request a refund. While I eventually had the fees refunded, due to my own legwork and hours spent on the phone, I received Chases response to the complaint stating they may not refund future fees. 

I called Chases rep at their corporate office, XXXX XXXX XXXX XXXX ) who had previously reached out to introduce himself as the person managing the case, to clarify who told me the legal opinion of the Chase legal team was they refunded more fees than average and would not refund future fees related to covid-19. I stated to XXXX a global pandemic is anything but normal and if they are refunding fees for some customers but not all, that is not policy uniformly applied to consumers and intentionally causing financial harm to consumers more adversely impacted. 

As it stands today, any other chase consumer is entitled to receive a refund and now I am being told I am not entitled to the same benefit. 

XXXX also states they have the ability to change their policy at any time, even every day, without notifying consumers which I find hard to understand how as a consumer is fair if I do not know what the fee or policy will be on any given day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my Credit Score by 42 points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XX/XX/XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.

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 2020-09-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my XXXX XXXX by XXXX points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.

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 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Incorrect amount balance

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 2020-09-28 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: IL

Complaint narrative:
Incorrect amount balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received my US Bank reliacard card that was issued by unemployment. When I tried to activate it on XX/XX/2020 it said " something you entered is incorrect ''. So I called the number and after I put the last 4 numbers of my card as well as social security number it says my balance, but when I tried to activate it using the automated system it sent me to customer service. The rep said on XX/XX/2020, I need to call unemployment for validation of account. I called unemployment XX/XX/2020 and spoke with the rep and she reviewed my account over and over and showed no issues. It showed payment trans number and she advised me once that number posts to my account it's out of their hands and it's on reliacard. I called all weekend and kept getting disconnected. Finllally spoke with someone today XX/XX/2020 and she was a supervisor. She said my account is closed for unknown reasons. I asked to be issued a new card and she said she could not. But how can I check a balance on a closed account as well how can they keep accepting money on a closed account. The supervisor advised me to closed my PUA account and start a new claim. I spoke with my district state senator today as well and she said to ABSOLUTELY NOT close the account. And said what the rep advised me to do is highly unacceptable. She said why can't they just issue a new card. I said She can't on a closed account. I advised then she should not be able to accept money as well as I should not be able to check balance. I just want to be able to use my funds.

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
i was contacted by the mortgage company stateing that an error was made on the part of the company and they would add the amount of {$7400.00} then another amount of {$7500.00}, they stated property inspection fee, and certified mail cost, i am not clear as to why that would equal that amount. i asked for a line item, that reflected and showing an error of that large of an amount, please help me with the the process,

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 2020-09-28 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: VA

Complaint narrative:
THIS IS MY THIRD COMPLAINT. 

EXPERIAN IS CLAIMING THE SUBMISSION COULD NOT HAVE BEEN SENT BY ME THE FIRST TIME.

IN MY SECOND COMPLAINT I SUBMITTED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD WITH CONFIRMED ADDRESS.

MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ARE ATTACHED BELOW ALONG WITH THE 6 LETTERS SENT OVER THE LAST 12 MONTHS TO EXPERIAN.

I Have tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I  have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 609 and 611. The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint. 

IDENTIFICATION ATTACHED BELOW.

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 2020-09-28 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 — Investigation took more than 30 days
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
On XX/XX/XXXX. I refinanced my mortgage from freedom mortgage to another lender. I closed on XX/XX/XXXX I was paid in full with freedom mortgage. I was owed a Remaining escrow Account payment of XXXX dollars. When I finally did receive the check it was in the amount of XXXX dollars. When I researched and called freedom they said that I owed a XXXX dollar fee. And a XXXX dollar fee and claim it was taken out of my payoff amount. I logged into my account and it shows that everything was paid in full on XXXX XXXX. Also the XXXX dollar fee showed on the same date and then on XX/XX/XXXX I was also charged a XXXX dollar fee. When I asked them about this they said it was never taken out of my escro and couldnt tell me where the money was paid from or what it was for. Ive had nothing but recurring issues with this company and thats the reason I left them. XXXX dollars or so might not be much but it is to me when I bust my XXXX  everyday to pay my bills everyday and pay them on time. I need help with this company XXXX plan on suing them. This is just wrong.

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 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020, I have wired {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX  account. On XXXX XX/XX/2020, the XXXX told us the bank is refusing to deposit the check into his account. On XXXX XX/XX/2020 at XXXX, I have called my bank XXXX to see if Capital One bank has returned my wire and they did not. On XXXX XX/XX/2020, XXXX went to his branch in Texas and spoke to the compliance team thru the bank manager and put some documentation to return the wire to the sender ( me ). On XXXX XX/XX/2020 Capital One told XXXX they are ready to return the wire and but they need an official request from my bank ( XXXX ). On XXXX XX/XX/2020 XXXX reached out to Capital one again and Capital one told my bank that they have reached out to the third party. On XXXX XX/XX/2020, XXXX ( XXXX XXXX XXXX ) sent a notarized letter to Capital One Bank and I have sent that letter to XXXX as well. On XXXX XX/XX/2020, I called Capital One bank and talked to a Manager named XXXX and she told me she wants XXXX to call them with me at XXXX. XXXX made many calls to his bank and visited them as well without any luck. Somewhere from XXXX XXXX, The XXXX and I, we talked in length with Capital One security in XXXX VA. The Security Officer told XXXX they will close his account and do not want to do business with him. My bank ( XXXX ) has sent many request to Capital One bank to return the funds but no answer from Capital One. On XXXX XX/XX/2020, I wrote a letter to the President of Capital One bank with a return receipt. They received the letter ( return receipt ) and to date I have not received any answer from them. I have attempt to call Capital One Bank many time with no luck. Same  with XXXX. I also visited local Capital One bank on XXXX XX/XX/2020 and came out with a XXXX XXXX  with a Market Manager XXXX XXXX at XXXX VA. 

The Capital One Bank send a response to my complaint filedCapital One CID : XXXX and CFPB Complaint ID : XXXX. They gave me POCs name and number for my bacnk and me to call Her. To date they have not respondend to ur phone calls. Capital One also made untrue statement of my letter to XXXX XXXX stateing " As previous advised in response to an email you sent to XXXX XXXX ( CID XXXX ) were unable to discuss a Customers account or details regarding an account. However, we can confirm were unable to return the funds to you until we receive a Hold Harmless Letter ( HHL ) from the originating bank that sent the wire. I confirmed that as of XX/XX/2020, this letter has not been received. We advise reaching out to your bank to have this completed. '' Capital One did not give me an email address where to mail or fax the letter. I am very confused as they have caused me so much of the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
Sun Trust Bank allowed an account to be opened with my name and address and a social security number that deviated one digit from my true social security number. An account was opened fraudulently with my information on XX/XX/2020 and the account was immediately overdrawn. They did not verify identity and let someone open an account in my name without identification or proper social and let them overdraft the account, when I call to get info they refuse to give me any info due to the fact that the social they used is one digit off even though the account is in my name and they used my address. There are no brick and mortar suntrust banks in my state ( Oklahoma ) so I have no way of finding out whats going on when they are using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion and XXXX  are fraudulent on my accounts : XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX is fraudulent on my credit Account # 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 2020-09-28 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: VA

Complaint narrative:
THIS IS MY THIRD COMPLAINT. 

XXXX IS CLAIMING THE SUBMISSION COULD NOT HAVE BEEN SENT BY ME THE FIRST TIME. 

IN MY SECOND COMPLAINT I SUBMITTED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD WITH CONFIRMED ADDRESS. 

MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ARE ATTACHED BELOW ALONG WITH THE 6 LETTERS SENT OVER THE LAST 12 MONTHS TO XXXX. 

I Have tried to dispute the incorrect information with the Credit Agency 's with little to no progress.

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 609 and 611. The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any  relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint. 

IDENTIFICATION ATTACHED BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I called to pay off my mortgage on XXXX XXXX and the funds were debited from my checking account but as USBANK has repeatedly misapplied payments in the past I called on XXXX XXXX and as expected the payoff had not been properly processed. I was assured that this was corrected. Again, based on previous experience I called again today, XXXX XXXX and again the payoff was not applied and I was told it had instead been put in a " suspense account '' I demanded to speak to a supervisor and my current status is that USBANK is suppose to send me email confirmation and call me to confirm that the payoff has been completed. 
this was only after threatening to file this complaint and to pursue legal action. 

Multiple times over the life of the loan they have misapplied payments resulting in addithional interest charges. specifically instead of apply additional funds over the due payment applying it to future regular payments. 

Though social media I have learned that I am far from alone in this situation. Multiple people relate multiple mis applied payment or other " administrative errors '' which has caused them additional interest payment. 
what concerns me is that none of this would show up as a problem on any type of audit, the books would look fine but USBANK is systematically making " errors '' that cost consumers money and increase its profits.

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 2020-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.

Company response to consumer: Closed with explanation