vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
on XX/XX/XXXX you closed our Savings Account without notice, and never sent our money to us. total of {$120000.00} plus the interest owed for the month of XX/XX/XXXX, plus the {$5500.00} deposit you cashed on XX/XX/XXXX from XXXX XXXX  ( XXXX ). ( This has been verified you cashed this deposit by XXXX XXXX  on XX/XX/XXXX while our account has been closed by you. We contacted you on several occasions the last week and a half and have been hung up on, said your money is lost, we don't exist and so on .... at this point, this is considered fraud and stealing. we have a copy of the XX/XX/XXXX Statement upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am writing regarding a late mortgage payment that was made to M & T Bank in XX/XX/XXXX. I have attached the letter I sent and the response received from M & T Bank requesting a goodwill adjustment. I also attached the latest correspondence received from M & T Bank after I missed my mortgage payment in XX/XX/XXXX. 

Previously, I had paid off a forbearance loan in XX/XX/XXXX for {$16000.00} to M & T Bank. 

After I received M & Ts response, I did a little research on the Cares Act 2020. Should I have been given consideration under the Cares Act for M & T Bank reporting my late mortgage payment to the credit bureaus?

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 2021-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Home Loan Center, Inc.
State: GA

Complaint narrative:
Lending Tree, a fraudulent company runs credit reports on individuals without their knowledge. This has been happening a lot lately to me and Lending Tree is the main culprit. I guess they are the hub for other lenders. However, numerous institutions are showing up on my credit report for which I have not applied for a loan or anything else. 
This happened just recently about 2 weeks ago. I have tried to contact Lending Tree ; I called them numerous times ( XXXX ) XXXX and waited on the phone for over an hour. Each time the call would drop and was never able to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
While in the process of repairing the damage of becoming a victim of bankruptcy debt buyers, obviously buying my court ordered discharged debt and selling it completely ruining my entire credit profile after my discharged bankruptcy I find that that the violation continues. I have proven these cases have been sabotaged and illegally used I have provided the suspects name. While Equifax reportedly removed the cases equifax immediately reports them back using a company that has never been involved as the reporting party. I have become victim enough and this is a total violation of the FCRA. I will include images as too just what equifax did. All evidence will be forwarded to the courts for investigation and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: WI

Complaint narrative:
On Date I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I pay off the balance on this card ( Visa XXXX ) from month to month when I do use it, which has not been often- if at all- over the past year. Despite that, CapitalOne charges a {$59.00} annual fee, which is excessive. In previous years, they would accommodate good customers ( like myself, who have a long, good payment history and multiple cards ) and refund and/or waive that annual fee. Now, CapitalOne phone representatives claim " they are not able to do that because of their new system '' or some XXXX  like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: PA

Complaint narrative:
I recently checked my credit file and identified that the debt collector is now reporting the account in question in an attempt to collect the alleged debt. I have never received any initial communication from their office regarding the alleged debt or their attempt to collect on it. I also spoke with their agent, XXXX XXXX, today and advised her that I dispute the validity of this debt and the personal information associated with me in their files. She advised that she sees insurance was involved and I advised her that the address she has on file is not valid and I do not know how they received that address associated with me but she still refused to remove it from my credit file to properly provide notification of debt, allow time to conduct a thorough investigation, and allow the opportunity to dispute and request legal verification. I am unaware of and dispute this alleged debt. Therefore, please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NJ

Complaint narrative:
Attempted to dispute issues on my credit report when attempting to verify my information equifax keeps saying the info I am providing is incorrect and when I spoke with a supervisor I was told nothing could be done and the questions they asked are broad based and don't ask specifics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: MO

Complaint narrative:
Last month I received a child tax credit check from the IRS and went to Mobile deposit it through the app which I had done with the previous one with no problem, but this one for some reason it kept telling me that it couldn't read it for days I tried and it kept telling me it couldn't read it and finally I got it to accept it and later that day I got a message saying the check couldn't be verified and was not deposited and that I could take it to a third party to cash it such as XXXX. But because for mobile check deposit when you endorse the check you write for deposit to chime only on the back of it XXXX told me they wouldn't take it and chime recommended that I contact the IRS to reissue the check. So I did, but the IRS wouldn't reissue the check they said they would split it up into the remaining checks that would be received. So a month later I got another check and went to mobile deposit it and I wrote very clearly on the back of it for deposit to chime only so that it wouldn't have a problem reading it only to find out that my mobile check deposits had been disabled which I was not notified of. So now I had another check that was endorsed for chime that I couldn't do anything with and I spoke to customer support at chime supervisor after supervisor until the last person told me they were the highest person to speak to and were telling me that they could not turn on my mobile check deposit. That they could evaluate eligibility for mobile check deposit at any time and disable it at their discretion. But this person was telling me that for no reason whatsoever could they turn it back on and this was disabled due to nothing on my part it was chimes system that aired and rejected the check that caused it to be disabled on my account and all I was told over and over and over is that chime reserves the right to determine your eligibility for mobile check deposit at any time but they couldn't turn it back on so due to chimes error I've now had two checks that I can't put in my bank accountand as I said the XXXX at my location absolutely will not do it and so now I have two checks that I have not been able to do anything with except have them canceled by the IRS and wait yet another month to see if they add it to the next one they send

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I XXXX XXXX at this current moment is submitting a complaint that i currently have Credit Acceptance reporting on my consumer report of an alleged debt they claim i owe an amount of {$13000.00}. I do not owe this debt and i will not entertain with paying this debt. Please be advised that Credit Acceptance is in violation of the FDCPA 15 USC 1681b ( 2 ) which clearly states that no debt collector shall not state that such consumer owes any debt in which they are currently violating. The account information that Credit Acceptance is currently reporting to the consumer reporting agency is false and misleading and is in violation of the FDCPA 15 USC 1692e. I have sent a letter to credit acceptance regarding the alleged debt they claim i owe and i demanded validation of debt they claim i owe in which they have failed to provide which is a violation of the FDCPA 15 USC 1692g and Credit Acceptance sent a letter back stating that my request/demand is frivolous in which i find to be very disrespectful towards my rights as consumer. Credit Acceptance is civilly liable {$1000.00} per violation for the damages they have caused and not complying with the demands that has be requested that they have failed to comply with 15 USC 1692k ( a ) ( 1 ). Please be advised that Credit Acceptance has also committed several violations and my right to privacy 15 USC 6801 ( a ) and violated 15 USC 6802 ( e ) ( 2 ). Credit Acceptance did not have written instruction to furnish this information and has also committed a violation of 15 USC 6802 ( 6 ) ( a ). I demand that this account be removed from my consumer report immediately as Credit Acceptance has committed many violations of my consumer rights under the FDCPA. Credit Acceptance shall not assume people do not no their rights as a consumer against the illegal activity thats being committed here.

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 2021-09-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/2021 I opened a Citi savings account in response of their offer to award me XXXX XXXX XXXX miles as long as I deposited at least {$50000.00} with them for at least 60 days. I have done that, but the bank has not awarded the airline miles as stated in their offer to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NJ

Complaint narrative:
On XX/XX/XXXX XXXX my ATM card was allegedly swiped at Wells Fargo in XXXX NJ multiple times to withdraw money from my account ; however my card was in our apartment in XXXX XXXX NJ and I was on the beach with my husband in Point XXXX XXXX NJ from XXXX to XXXX. From the multiple attempts one went through and {$1000.00} was stolen from my account. The debit card in question was a fresh replacement after another recent fraud. Nobody ever had access to my card, and nobody ever had access to our apartment- we have cameras both outside and inside. I used this new debit card only once - at the Wells Fargo in XXXX NJ to deposit money on XX/XX/XXXX. I am the only person who knows the PIN to this card, and it is not a personally chosen PIN but the one the bank gave me. Also, I don't think the PIN was even used for this transaction as it shows up as a swipe. I received no communication from Wells Fargo to approve these attempts, the only communication from the bank was after the fact, to verify the transactions - after the money was already gone. When I saw the text message I immediately called Wells Fargo to report the fraud. 

I don't think Wells Fargo is taking this case seriously. Somebody has stolen literally all my savings and I am left without money and without help. Nothing has happened in 10 days. 

I have also filed a police report, with the below details : XXXX XXXX POLICE DEPARTMENT CASE # : XXXX XXXX XXXX : XXXX DATE : XX/XX/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 2021-09-16 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
For many years, I have had a credit card issued by USBank. I also have a checking account with USbank.

I have paid my credit card balance from my USBank checking account using the online USBank payment function in my credit card account. I would schedule online payments on the due date. I was able to schedule payment on the due due regardless of whether the due date was a weekend or holiday.

Recently, USBank implemented a new online payment facility. The new facility no longer has the online payment function in my credit card account that I had been using. There is a new online payment facility for all accounts that doesn't allow payments to be made on weekends or holidays. 

Last month, my credit card payment was due on Saturday XX/XX/XXXX. The USBank payment facility did not allow me to make a payment on XX/XX/XXXX. I made a payment on the next business day XX/XX/XXXX. I was charged a late fee and interest. 

According to the CFPB website " If your payment is due on a day on which mail is not delivered ( such as a Sunday ) and you mail your payment, you can not be charged a late fee if your payment arrives on the next business day. '' And also " if you pay online you must make your payment on the day it was due even if that day is a Sunday or holiday. ". 

Currently the USBank system doesn't allow online payments on a Saturday, Sunday or holiday. So it is reasonable that I shouldn't be charged a late fee until the next business day because USBank won't accept online payments until the next business day.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got approved by SBA for eidl loan and they funded my account at capital one bank. But when I went there to make a cashier check to buy box truck for my business they said we cant make cashier check and we need to make sure you are qualified for this loan so they froze my account.

I called the SBA and explained for them whats happened they said the bank are not financially responsible for this loan you are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services is a third party debt collector, that was contracted by XXXX XXXX XXXX to collect an alleged debt. This is a violation pursuant of 15 USC 1692a. My permission was not given. I went into a consumer transaction with XXXX XXXX XXXX on XX/XX/2021. I received a debt collection letter in the mail from Credit Collection Services, stating that it was an attempt to collect a debt. This is a violation pursuant to 15 USC 1692b.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CORELOGIC INC
State: NC

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Credco XX/XX/XXXX Credco XX/XX/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 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