vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
The checking and saving accounts are opened on XX/XX/XXXX with {$500.00} promotion.The bonus posted on XX/XX/XXXX and XX/XX/XXXX. However, the is the withhold for {$60.00} for twice accordingly. On XX/XX/XXXX, I email the banker XXXX, XXXX regarding the potential XXXX form missing that might lead to the withholding. On XX/XX/XXXX, I email the signed XXXX form to him.After that, i called several time to follow up. On XX/XX/XXXX, i was told there should be someone in back-office resolving the issue and I sent the XXXX XXXX form again.Till today XXXX, the two {$60.00} withholding, {$120.00} in total still not come back to the account yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: AL

Complaint narrative:
I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( Experian, XXXX  and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : 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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit reporting company Equifax has been wrongly reporting my name. 

They are reporting XXXX XXXX and XXXX XXXX instead of XXXX XXXX. 

I have already brought this issue with XXXX  but has not heard from them since more than a month. 

Also I am not able to get online on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did join XXXX XXXX from XXXX to see free credit report and spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Capital One credit card. So 2 Capital One Inquiries on XX/XX/XXXX and XXXX, 2020 are not resulting from my personal action and 1 approved Capital One card beginning with XXXX is not mine also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have several cards with capital one and some of them I've had for over 8 years. Not once has capital one offered to lower my interest rates even though I usually pay my card on time and in full. 

Recently lost my job and went to business for myself flipping homes. As I was about to complete my project, the hard money lender I needed to use went out of business. I had no choice but to complete the work with credit cards. Just as the work was being completed, the Corina virus hit. I finished the work with my credit cards and put the house on the market but no activity thus far. 

Right now I can't even make my personal mortgage payments. 

I called capital one to try to get relief under the Cares Act 2020 but their representatives tell me they have no " offer '' for me. I didn't realise the banks get to choose to whom the offer relief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On Tuesday XX/XX/XXXX I was able to use my Cashapp card for an amount of nearly {$30.00}. Yesterday XX/XX/XXXX I tried to use my card for a smaller purchase of {$1.00} and it was declined. Once I tried to move the remaining {$410.00} from my Cashapp to my checking account it told me That I had no Cashapp funds and the transfer was declined. I clearly gave the money there, what will happen to my account and the money in it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( XXXX, Transunion and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : 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 2020-05-22 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: AL

Complaint narrative:
I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : 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 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I made a payment to TD Finance of {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. I then made another payment for {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. TD Finance recorded both payments as received in XXXX and no payment received in XXXX. I called and was told that because my payment came in before the XX/XX/XXXX cutoff date that they recorded the two payments as a double payment in XX/XX/XXXX and no payment in XX/XX/XXXX. They then listed my account as being in arrears. I contacted them once by phone at which time an operator named XXXX stated she could not change the information and would have a supervisor contact me. No supervisor contacted me for two days at which time I sent them an E-Mail describing the problem. A week later they sent a return E-Mail stating that they would not correct the problem due to a late payment by me. I again E-Mailed them stating that I had not made a late payment, I had made an EARLY payment. I find this to be ridiculous and only view this as a large Finance company seeking to take advantage of a responsible individual with a spotless credit history by increasing my payoff amount and negatively affecting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: MI

Complaint narrative:
I have sent in documentation for the inquiries that are on my report and they are still there on my Equifax report. My XXXX report has been corrected and updated. XXXX  and Equifax will not cooperate I have sent police reports and documentation of the erroneous information that was reported. I feel like my rights have been violated and I have also been denied credit. My character has been defamed and it is causing me to be stagnant in my endeavors. Please investigate the inquiries as well as the accounts that should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently obtain a copy of my credit report and noticed some errors. I noticed multiple addresses that I never resided, also incorrect name being reported. I attached a copy of my social security card and proof of address. ( SEE ATTACHMENTS ) MY report should only reflect one name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
We have a mortgage with Midland Mortgage. Three years ago ( XXXX ) my husband was on FMLA and we began getting behind, he got back to work and a garnishment ( we did not know about garnishment it was sent to XXXX and we live in XXXX ), we contacted Midland to ask for a loan modification or refinance. They suggested loan modification. We filled out all requested paperwork, application, and submitted all documentation. We were told 15-30 days we would know something. Every week or so, we would get a call or email stating they did not receive this documentation or that documentation, so we would send again. Then with in a week or so, another request for a piece of documentation they didn't get. This would go on until all documents previously submitted were out of date and we would have to start the application all over again. This has been going on since last part of XXXX. Last time they could not read a date, I spoke with someone in the foreclosure department and they stated they had all required documents ( XX/XX/XXXX ) and a decision would be made within two weeks. I just received an email stating all documents had expired! I believe this is the third time on one application that this has happened! 
We called on XX/XX/XXXX and were told they had all they needed and should be reaching a decision soon. On XX/XX/XXXX, I receive an email stating that all documents had expired! 
We continue to make payments and they are charging late fees and having us jump thru hoops! PLEASE HELP!

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent in documentation for the inquiries that are on my report and they are still there on my XXXX  report. My XXXX  report has been corrected and updated. Experian and XXXX  will not cooperate I have sent police reports and documentation of the erroneous information that was reported. I feel like my rights have been violated and I have also been denied credit. My character has been defamed and it is causing me to be stagnant in my endeavors. Please investigate the inquiries as well as the accounts that should have been deleted.

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 2020-05-22 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: GA

Complaint narrative:
On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus Equifax, XXXX, and XXXX. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. Equifax, XXXX, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently obtain a copy of my credit report and noticed some errors. I noticed multiple addresses that I never resided, also incorrect name being reported. I attached a copy of my social security card and proof of address. ( SEE ATTACHMENTS ) MY report should only reflect one name and address.

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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account information is inaccurate Date Opened is Inaccurate High Credit is Inaccurate Comments/Remarks are Inaccurate Payment History is Inaccurate

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX '' as a former address of mine. I have never ever been to XXXX XXXX XXXX. I filed a dispute online 2 times, and also verbal ones over the phones a couple of times. Each time I get an email that says the dispute is " resolved ''. But the address remains. And there is no explanation from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020,, Contiued Issues,, That Has Not Been Solved Yet,, Mr XXXX XXXX, Which Is The Ceo Of This Company Now,, And I Also Know That,, Mr XXXX XXXX, and Mr , XXXX XXXX Had Got Fired Or Stepped Down From This Mess That They Created,, So I Would Like To Express My Feelings About These Issues,, If You Think That I Like This,, No I Don't,, They Should Be Held Accountable For All This Mess,, This Has Been A Very Long Exprience And Very Upsetting,, Looks Like This Bank Took Money From Me And My Family, And Throw Us Under The Bus And Forgot About Us,, So UnAcceptable Promises,, Old And New!!!,,

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