vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: FL

Complaint narrative:
i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.

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 2020-06-15 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:
A request for investigation was submittedto Equifax via the dispute website on XX/XX/20 and on XX/XX/20, I received notification of a investigation completion. Equifax did not verify the information that was provided to them and within 72 hours closed the investigation and provided no verification of the debt that was obtained from the collection agency. The collection agency hasn't provided any verification information either and can't collect on this account. 
I notice that XXXX XXXX XXXX had placed a collection account on my credit reports and I requested a " cease & desist '' because this amount is not collectible. I have no contract with XXXX XXXX XXXX and I have requested them to refer this back to the original creditor. The original creditor had a rental guarantee insurance policy that would pay up to XXXX of rent and up to XXXX in damages in the event of damage, eviction or skipping out on the lease. The policy was paid upon move in and regardless of being paid again, was guaranteed by the insurance company. XXXX would file a claim for the funds and would be paid within 7 days. I signed up for this rental guarantee and they were to collect any rental arrears after closing the books on my unit. XXXX XXXX has no legal obligation to collect on a 100 % guaranteed rental insurance policy account.I am not obligated to pay on an account that should be settled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a notice from my mortgage lender XXXX XXXX XXXX XXXX  XXXX on XXXX XXXX about new servicer for loan. 
The notice stated the effective date of XX/XX/XXXX. The last date my current provider would receive mortgage payments was XX/XX/XXXX. I made my XXXX month payment on XXXX XXXX to avoid delay of payment. 
The US Bank home mortgage now owns loan and has constantly called to inform me the payment is late. On my XXXX statement US Bank stated a late fee may be charged of {$100.00}. 
When I call US Bank the automated customer service toll number does not accept my social or the account number. Not sure that US Bank has even updated my information in the system correctly. 
I have called XXXX XXXX three times asking about monies sent to USBank, XXXX XXXX confirmed monies sent US Bank on XX/XX/XXXX via check. 
In addition XXXX XXXX provided an account history of payments which I emailed to US Bank email address the supervisor provided to me on the call. 
Today XX/XX/XXXX I called USBank for the 5th or 6th time asking for status of pyments applied. The supervisor XXXX XXXX stated that USBank still had not recived proof of payment so I have re sent the PDF document from XXXX XXXX XXXX with pyments processed. XXXX said they will do another inquiry for the payments and advise. This is the second time that US Bank claims to review the proof of payments.

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA 1099- C MC Account XXXX opened XX/XX/XXXX CANCELLATION OF DEBT XXXX ** USAA NEVER CLOSED USAA USED MY PRIVATE SECURE DATA FROM THIS ACCOUNT TO OPEN see attatched USAA MC Statement XX/XX/XXXX Bal {$100.00} I DID NOT AUTHORIZE TO OPEN I DID NOT HAVE PISSESSION TRANSACTIONS NOT MINE. then ussa opened VISA end XXXX I DID NOT AUTHORIZE USING MY ORIGINAL PRIVATE DATA. see attatched {$470.00} UNAUTHORIZED TRANSACTIONS VUSA CARD XXXX I DID NOT OPEN.!!! USAA HOLDS CONSUMERS FINANCIAL HOSTAGE USING PRIVATE DATA WITHOUT CONSUMERS AUTHORIZATION FOR A LIFETIME!!! USSA CLAIMS AS LIFETIME MEMBER ( NO AUTHORIZATION IS NEEDED NO DRS LICENSE NO CONTRACT NO ORIGINAL SIGNATURE TO OPEN ACCOUNTS. ) ** USAA COMMITTED ID THEFT USING MY PRIVATE SECURE DATA TO OPEN FRAUDULENT ACCOUNTS ( USAA ALSO FRAUDULENTLY USED MY SECURE PAYMENT DATA TO MAKE PAYMENT XX/XX/XXXX I DI D NOT AUTHORIZE SOCIAL SECURITY SECTION 207 LAW VERY CLEAR SOCIAL SECURITY REVERSED PAYMENT. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Garcadia Financial LLC
State: KS

Complaint narrative:
The company who has the loan for my truck, Foursight Capital, has tried three different times to ach my payment which I didn't approve and a {$30.00} charge was generated on my loan account with them. Each time I had made a phone payment and instead of debiting my account once, they attempted it twice. Of course the second attempt didn't clear and that is when they charged me a XXXX return check fee. I emailed their company on XXXX asking for a reversal of the XXXX in extra fees with no response from them. The dates of the fees are : XXXX, XXXX, XXXX. I am only asking to be refunded the XXXX and for this to never happen again! 

Sincerely Concerned Consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I called Bank of America because I saw a refund on a payment for {$1200.00} I had made on my XXXX Visa Credit card. During the call they asked me if I had called and if I had an account with XXXX which I do not. We immediately filed a Fraud claim on the acct. From what the agent had said on the call the person who called had enough of my information to get through the security screening. We immediately got a new card issued and placed a passcode on my account. However every time I tried calling Bank of America directly I could not get through and had to use my phone app to get through to the Bank. 
On XX/XX/XXXX I got a letter from Bank of America stating that the refund to my account had been approved. Its been an ordeal and every time I call Im assured it was resolved and nothing has been. Bank of America keeps giving me then run around between the fraud department and the Customer Service dept. Last call on XX/XX/XXXX I was on a three way call between the Fraud agent and the customer service agent along with supervisors. They asked the same questions from when I filed the original claim and assured me that it would be resolved. Today XX/XX/XXXX I called since the refund that I was told would be in my account was not in there. Its been a hassle to get my money back as I had to pay the balance on my card from when all this happened.

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 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX XX/XX/XXXX {$5500.00} DEPTEDXXXX  XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}

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 2020-06-15 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: PR

Complaint narrative:
The following accounts and inquiries have been reported as identity theft, under penalty of perjury, they have been illegally made under XXXX XXXX name and SS # XXXX : A ) Accounts 1. XXXX Acct XXXX 2. XXXX   XXXX* 3. XXXX XXXX XXXX B ) Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  C ) Place of Employment Fraudulently reported as XXXX 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 2020-06-15 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: Possible Financial Inc
State: TX

Complaint narrative:
I spoke to manager XXXX in the customer success department. She assured me on XX/XX/2020 that both XXXX and XX/XX/2020 ( Which I have in writing from XXXX XXXX late fees will be removed from my credit report effective XX/XX/2020. I noticed within a few days from XX/XX/2020 the late fees were removed and they then returned again. I sent out another email asking for a phone call from XXXX which I still have NOT received a phone call from anyone from this company yet explaining the issue and when I can expect the LATE FEE to be removed from both XXXX and XXXX. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS As a consumer I expect Possible financial to stand by their word and remove the late fees for XXXX and XX/XX/2020 as agreed by XXXX on XX/XX/2020. The company expects on time payments and I expect and trust that XXXX or the management staff at Possible Financial to be held accountable for the word. I need these Late Fees removed immediately from my report, I will not give it another month ... They need to have it done rapidly with in days of receipt of this letter THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Please REMOVE the LATE FEE as agreed between XXXX and I on XX/XX/2020. Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My cared was lost several weeks ago. I attempted to report this to Barclaycard, they do not have phone agents right now. All I could do was lock the card. I have tried numerous times to contact them to notify them of the lost card, and have only been able to send messages that have not been acted on. Now, I have fraudulent charges that need to be dealt with. There is no way to dispute this on their website-they want me to call a number, which just dumps back into their queue with no way to leave a message. For something as serious as a lost or stolen card and fraudulent charges, they need to take care of these things right away. 

Barclaycard should be required to have a fraud group available 24-7 to handle such issues. And, you need to get back to your customers.

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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/20 I submitted an electronic message to Bank of America asking them to investigate why a payment of {$1100.00} had been charged against my checking account but has not been received or deposited by the company I sent the payment to through my electronic bill payment. After going back and forth, they determined the check had been deposited to a XXXX XXXX account. The company I paid was adamant they do not nor have they ever had a XXXX XXXX account and did not receive or deposit the check. Bank of America had them fill out paperwork to verify this and said they would work on getting the funds back before they re-issued the check to the company I sent the payment. Here we are now almost 2 months and a number of inquiries to Bank of America later and the company has still not received a new check. I keep getting back messages Bank of America " this issue is being researched and we will contact you with an update or resolution ''. I need help getting this money back into my account or a new check issued to the company please.

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 2020-06-15 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: MoneyLion Inc.
State: MA

Complaint narrative:
I had this App Moneylion on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with Moneylion, XXXX, XXXX, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the Moneylion scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification that XXXX was a new account on my consumer credit reports. 
This account was previously deleted back in XXXX and I did not receive a notice from Equifax nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
We arranged for a senior trip for our daughter with XXXX XXXX in XXXX of XXXX. We paid 24 monthly installments of {$150.00}, plus a {$95.00} registration fee, for a total of {$3700.00} through XXXX of XXXX, when the trip was cancelled due to the coronavirus pandemic. We requested a refund, but XXXX XXXX refused to issue a full refund, offering only a voucher for future travel, which costs a {$1000.00} cancellation fee to redeem. We disputed the charges with Navy Federal Credit Union, who had placed the charges on our debit card ( we never provided XXXX XXXX the debit card number, just our bank account and routing number ). Navy Federal found in our favor and recovered {$2400.00}, but claimed they could not reverse the earlier charges because the " cardholder agreement '' prohibited refunds of charges more than 18 months old. Therefore, we are now out {$1300.00} taken from our account for services we never received, and NFCU has refused further assistance, choosing to honor their agreements with XXXX and XXXX XXXX  rather than a member of 28 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: U.S. BANCORP
State: FL

Complaint narrative:
My debt was settled through XXXX XXXX XXXX The total balance was {$8200.00} and was settled at {$4700.00} which was paid off XX/XX/XXXX. I called XXXX XXXX XXXX and mad the. Aware that on my credit report US bank states I still have a balance of {$4700.00}. I also contacted US bank on XX/XX/XXXX and received a letter that has at the top current balance {$4700.00}. In the body of the letter it states that the account was settled for less than the current amount and several phone calls I have been told I currently owe {$0.00}. If I owe {$0.00} then how do I have a current balance of {$4700.00}. I also disputed it through all 3 credit agencies. At this point XXXX  finished the investigation and said US bank information is accurate. I had for other accounts through XXXX XXXX XXXX   and have paid all of my accounts and US bank is the only account stating I have a balance. Having a balance implies I owe them money when they made a settlement for a lesser value and is paid off. Thank tou

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