vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
today XX/XX/2021 i called wells Fargo about a dispute transaction but they informed me the debit card was being revoked for my protection it is funded but im still allowed to use my checking account to pay bills but they didn't know that i had a debit saving card as soon as I told they deactivat6 it as i said they told me my debit card and debit saving card are revoked for 12 months for my protection.

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: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX I attempted to withdraw XXXX $ from an ATM from the US bank branch on XXXX and XXXX in XXXX XXXX, South Dakota, and I was only dispensed XXXX XXXX Immediately, I logged into my mobile banking app and saw the transaction was processed as a XXXX $ withdrawal and I proceeded to call the national US bank number and file a dispute. About 2 weeks later, I received the attached letter via mail notifying me that the ATM investigation was completed and no error was found. I went to the same bank branch to inquire about the steps they took in the investigation process, such as how they counted the money in the ATM and who the team that did the investigation was, and I was told that my dispute had actually not been settled yet. I called the national US bank number again and tried to escalate my dispute or refile, and I was assured that they would get it sorted out. After probably upwards of eight more phone calls, I was told again today that the dispute was still pending ( over two months later ). The banker stated that the ATM money balance should have been counted long ago, however, so I am quite apprehensive that US bank is taking this claim seriously. In fact, due to the lack of correspondence other than the apparent error mail letter, I am beginning to wonder if the strategy of this investigative group is to just carry out the process as slow as possible in hopes that the complainant forgets about the issue or decides the hassle is no longer worth 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 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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX - I would like to dispute the 4 CLOSED student loan accounts and my personal information, including outdated time-barred inaccurate names, addresses, and employer. I have attached a letter detailing the disputes along with supporting documentation. 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 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: NV

Complaint narrative:
On XXXX Chase bank restricted all my accounts. The branch manager saw I had a SBA and PPP loan in my personal account. I have used my personal account for my business for the last 15 years. I am not required to have a business account. She said " I am not a business, and that I am not allowed to have these loans ''. She said I need to send her proof that I am a business. I sent her my schedule C 'Business Profit and Loss ' 1040 the following morning ( see attached ). She then requested my 1099. I sent it to her within 10 minutes of her request ( see attached ). She then said the only other form needed was the 2nd page of my 1040 ( see attached ) and that my account would be cleared. It was not. The branch manager is angered and refused to send the last document to the fraud department because I was not very nice to her for accusing me of fraud. I contacted the Chase fraud department and they told me I could go to another branch to send it in. Tuesday, XXXX I went to the XXXX XXXX branch in XXXX XXXX and had them submit the requested 2nd page. I called, and the fraud department said they did not receive it. So, Wednesday I went to a different Chase Branch and had the Branch Manager/Vice President XXXX XXXX ( see attached business card ) send it again. I called the fraud department 24 hours later, and they said they did not receive it.

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: PA

Complaint narrative:
My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Updated id theft report. Didnt have any details when I filled out the first one. Here is the information you requested from 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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Paid {$6000.00} to Exeter for interest and principal. Exeter paid the fees instead. In addition, th credit bureau is reporting XXXX + is still owed. 

XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$50.00} XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$390.00} XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$2500.00} XXXX XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$3000.00}

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Branch agent & consumer-in-fact contacted the 3 bureaus XXXX XXXX, also experian in a consumer credit dispute through affidavits w/ attached exhibits. All accounts werent deleted as demanded and I am now contacting as consumer-in-fact to continue the investigation that as stated in said documents sent of dates specified.

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: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
US POSTAL SERVICE CERTIFIED MAIL XXXX On XXXX I sent certified mail to this company, They have received the letter but fail to respond. 
RE : Violations I pull my credit report and notice you ( Portfolio Recovery Associates, LLC ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. 

Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( Portfolio Recovery Associates, LLC ) pull my consumer report. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.

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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been going back and forth with Experian credit reporting agency and them reporting inaccuracies and UNVERIFIED information. There is a bankruptcy listed on my credit report. I have asked Experian for their method of verification into this bankruptcy reporting on my credit report. They ensured me that the information that they are reporting was verified by the US bankruptcy court. I have personality went to bankruptcy court asking if Experian reporting agency has actually verified the said bankruptcy on my report. The US bankruptcy courts insured me that the bankruptcy in question has not or NEVER been verified through the courts. I have attached the courts paperwork. Even after Experian receive notice from courts that they never verified they are still refusing to remove said bankruptcy from my report. At this point EXPERIAN IS IN VIOLATION OF MY CONSUMER RIGHTS. They have lied stating the information was verified and that is false. I am needing them to uphold their end of reporting accurate and verified information on my report and since that has not been done THIS BANKRUPTCY NEED TO BE REMOVED FROM MY REPOET IMMEDIATELY. I dont understand how facts and proof are being disregard. This needs to be removed from my 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 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Good afternoon, months ago I transferred money to Coinbase, they accepted the money and the next day they restricted my account, they did not let me access, I can not see the amount, I have sent hundreds of tickets to support and nothing that responds to me, I've been with my savings in coinbase for more than 8 months

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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
on XXXX XXXX XXXX I found the XXXX XXXX  payment to Rushmore Loan Management services had not been posted. I was notified my payment was overdue, and I was being assessed a {$15.00} late fee. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
I went on the Rushmore website and sent them a message : XXXX XXXX XXXX XXXX XXXX ( PDT ) On XX/XX/, I scheduled a payment of {$1100.00} with my bank. On XX/XX/XXXX, the bank reported it was processed, and paid. I have an inquiry in to the bank about this, but I have a printout of my banks ' report the XXXX XXXX payment was made. Is there any chance it was mis-applied when it arrived? Thank you. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
On XX/XX/XXXX, I received an answer : Payment Rushmore Agent XXXX XXXX XXXX XXXX XXXX We can accept partial payments ... 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
On XXXX XXXX, I sent this message via their website : On XX/XX/, I sent a payment to you through my bank, XXXX XXXX XXXX. They confirm the money was, indeed, sent to you. 
They provided a tracking number - XXXX - to prove the money was actually sent. 
Please find and correct the problem you seem to have at your end, and credit my payment. 
Thank You, XXXX XXXX ( XXXX ) XXXX Rushmore Loan management Services LLC XXXX. XXXX XXXX XXXX XXXX, CA 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Debt amount is wrong and account should be closed. They are counting my available credit as debt when they should have closed this account

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: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a email that a account with TD bank had opened with my name and email with the account number ending in # XXXX. I called them and close the account. However this isnt the first time this has happen with TD bank this is unacceptable and I feel like its one of the bankers that stole my SSN and name and email because of my Target Credit Card which is a TD bank backed credit card

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
US POSTAL SERVICE CERTIFIED MAIL XXXX On XX/XX/XXXX, I sent certified mail to XXXX XXXX. They have received the letter and fail to respond. RE : Violations I pull my credit report and notice you ( XXXX XXXX ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( XXXX XXXX ) pull my consumer report. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.

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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth Financial at XXXX XXXX XXXX XXXX, PA XXXX, has been sending me collection notices in the amount of {$650.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my consent nor signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have a private loan by navient in the amount of {$27000.00} that i should not be paying. I attended XXXX in which the school had closed in XXXX do to defrauding students. I didn't even know i had a private loan out in my name from XXXX until 9 months ago. In XXXX of XXXX department of education took action and preventing new students enrolling into the school. On XX/XX/XXXX the school was officially closed down. XXXX XXXX XXXX charged among the highest tuition fees in the industry. It also had the industry 's highest rate of loans that went into default within two years of attendance. Starting in about XXXX, XXXX XXXX came under fire for questionable practices. The allegations included high-pressure recruiting tactics, falsified paperwork, high default rates on XXXX XXXX student loans, and inadequate educational standards. XXXX XXXX and the department education know XXXX defrauded students that they are giving them debt relief on federal loans when filing a XXXX. It should also go for private loans as well. why should I be responsible for a loan when XXXX closed down for defrauding students.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: OH

Complaint narrative:
Brigit is a money lending service. I last used their services over two years ago. They charge a {$9.00} monthly fee. I unlinked my bank from their service two years ago. I haven't used them or been charged the {$9.00} since. 

On XX/XX/2021 I was charged the {$9.00} I contacted my bank to dispute the charge. I emailed Brigit support. Customer agent - XXXX told me even though I haven't been charged in 2 years I am being charged now because my account was never canceled. She agreed to refund me. But said I'll still be charged the {$9.00} membership fee until I repay the loan. 

I asked her again to not charge me and close my account.

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