vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This company is not reporting any of my payments made on accounts. None of my 25 accounts are showing on the report. This is causing my equifax score to be 200 points lower than my transunion report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Disputed my balance that hadnt been updated in 2 years. Shellpoint then adds two fraudulent 30 day lates one in XXXX and one in XXXX. They never fixed the balance either. Called to have corrected and they were not helpful. Ive never once been late with this company and I have bank records for proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scam to rent a house the guy who claimed to be the owner asked to wired him the money to get the to rent this house but it never happened so I called my bank to let them know what had happened so the chase bank wont dispute my money or try to fix the issue please help me and my family I had wired transfer this person this money thinking that I was going to get my kids and my family a good home to live this guy contacted me by phone please help me. I had send this person {$1100.00} dollars for what he said was for applications fee and to secure the house and my and my husband send him {$850.00} for first rent this guy got away with about {$2000.00} dollars from hour hard working Money please help. The guy email me what seems to be a dale lease and the information I have from this guy seems to be fake I dont understand why chase bank wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2021 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 feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I was wrongfully discriminated against. My car was vandalized on XX/XX/2019 in the middle of the night. The apartment company I was renting from gave me a notice to quit because of that action and I was forced to move out immediately and still be required to pay the remainder of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Western union charged at XXXX {$3500.00} XXXX XXXX 2020. 
If I contacted Western Union, they can not find that transaction. I didn't do this transaction at all!

WU refuses me refund and said to contact my bank which I did. Bank said contact WU.

None of these institutions is responsible for refund charging me {$3500.00}!

WU can not see that transaction in their system! They asked me for proof of charge that amount, because they can not find that transaction in their system! Obviousely I have sent details about the transaction at XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/2021 I lost my phone and I didn't notice my phone was lost until I got a text message from my phone to my husband phone saying I found your phone and I need a XXXX dollars to get it back ... I said to him ok ... but before I knew it I was lock out of all my accounts from XXXX XXXX and XXXX he change everything and got a chance to get in my cash app account transfer his self all of my money that was in my account and that was XXXX all in one day and one hour. on XXXX XXXX HE did 4 transaction from my phone to his ..I have a police report and here is the case number to the case XXXX ... i contact cash app over 10 times with the police report and each time they denied me saying it came from my device ... .I have contact XXXX because someone hacked my accounts over 131 times and I explain to them that was not me and that should me a red flag on they end ... .I have been in the hospital 3 times since this than happen to me and its driving me crazy because this man still have my accounts hacked right now and he still have my phone ... I don't know what to do because I did everything the right way .I have XXXX kids that i take care of and its hard with someone take your whole life saving in one hour ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have had a {$2000.00} credit limit with Synchony Bank 's XXXX card for a year. I have always paid on time and have used the card for many of my purchases. I recently paid it off and suddenly they lowered my limit to {$250.00}. The bank is trying to tell me that it's an " automated process '' but this feels predatory on both parts as they lure you in with a higher credit limit to make a large purchase that will be interest free if you pay it off within a certain time. I paid it off within that time and suddenly my limit is lowered and I can barely use it for anything. The lowered limit has hurt my credit now and I am furious.

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 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have my accounts through Navy Federal Credit Union. Ive been having ongoing problems with this bank as well as other things happening to my identity. I need someone to please reach out to me. Someone is changing my military records, stealing my money, investments, charging more interest on my accounts. Please contact me ( XXXX ) -XXXX. My name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/2021 - Mailed certified letter asking for validation of debt on 4 accounts. 
XXXX XXXX XXXX - Certified mail delivered XXXX XXXX XXXX - Letter sent from MCM for verification - only sent a computer generated print-out of the total amount they claim is due, which may not be accurate. Furthermore, they have failed to provide an executed credit contract proving liability of this debtor on the amount claimed, as per my validation request. 

XX/XX/2021 - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. 

XX/XX/2021 - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
On XX/XX/2021 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 feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a loan so that I can refinance my home. The loan officer gave me a copy of the credit report and showed me where Wells Fargo student loan reported me late 60 days. I had never been late on the student loan. It seemed odd and I do understand that with COVID I had maybe overlooked something. I then realized that they never marked me 30 days late- they went to 60 and 90 days late. This now got me very upset since I have otherwise perfect credit. I reached out and spoke with several people, none that can answer any questions for me such as : Did you call me and leave a message, did you send me a letter, did you try to reach my wife, etc. They could not document for me anything that would have shown they tried to reach me. The account was immediately resolved and the lack of cooperation has been a very large stress. I spoke with an attorney as I feel that I have been wronged and a victim in the bigger game of not helping the little guy. The attorney advised that I call WF again and request that they remove the lates. I was not able to get anyone again to help me. I believe that this is 100 % and error on the part of WF and I am asking that they please overturn this reporting and update as paid as agreed.

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 2021-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Im am currently recovering from an unexpected financial hardships and I cant afford the payments on this payday loan. I am also working with a credit repair company to improve my credit report, including terminating this payday loan with SpeedyCash in the amount of {$2100.00} due to the aforementioned and furthermore the age of this account, being opened on XX/XX/2018. In addition this account shows to meet the FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I purchased a car was targetted to pay a insanely high rate after trading in my vehicle to purchase a new XXXX XXXX. The engine went bad and other things occurred during the time I had it which coated thousands. I've said XXXX on a XXXX car. they targetted me on a bad loan, called me none stop, lied and charged me more. This has destroyed my credit I can't find a good lawyer. I have zero paperwork from them. My car had gap insurance, I was paying about XXXX a month just to drive and did this for year 's. They limited my life destroyed any chances of my life going forward and this created damages to my business.

I was told first month was due at the time of the next ... I argued this and it then later turned into oh you're late and owe double, then denied me the chance to refinance when they lied!!! One month later. I traded my {$3000.00} jeep in for that and they still lied!!!! {$16000.00} + jeep fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I receive multiple calls a day from this credit collection company, from the same person, everyday. I have spoken to this credit collector once for over 35 minutes a couple weeks ago and specifically told them not to call me between the hours of XXXX due to my work hours. I advised them that I am not able to make good on this debt at the moment due to lack of funds caused by unfortunate circumstances. I had to repeat myself over and over letting the credit collector know I needed to get off the phone and they continued to talk and then a supervisor butted into the conversation. They continued to talk for another 15 minutes badgering me and asking me why I can't make arrangements to pay the debt then and the supervisor states promises don't mean anything and are just words. I politely said, I already explained to you why I can't pay right now and I am hanging up now. I did ask them to call me back on the XXXX to possibly make some sort of arrangement if I could. I couldn't make any arrangements on the XXXX because I still didn't have funds, so I didn't answer the phone in fear that they would keep me on the phone for another 30-40 minutes and ask me the same questions over and over as they did weeks ago. They are not respecting my wishes to only contact me after XXXX and now the same credit collector called my place of employment this morning XX/XX/21 at XXXX. This is becoming intrusive to my life and because this is a personal matter, they should not be calling my place of employment. I will refuse their calls if they can't respect my wishes not to contact me multiple times a day and especially calling my place of employment. I understand the credit collector has a job to do but this is wrong and I will make good on my debt when I am financially able to, calling me multiple times a day is not going to get them paid any faster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The following account has been disputed several times in reference to fraudulent activity, and also disbursement malfunction/ no receipt disbursed and error codes displayed. I am not responsible for the balance amounts or interest charges associated with this account. The fraud department was advised and also customer service. A debit card replacement was conducted and this matter continued at non bank locations that were near and miles from my residence. Credit reversals were conducted after disputes for fraudulent and or non disbursement of funds were reported. At this time Legal action is currently in process for this outrageous fraudulent balance and interest charges. I am not responsible for this balance of {$3000.00} for account # ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion removed two of my credit accounts that were not advised to. I tried to call and get a resolution, all three persons lied to the reason why. One person was a supervisor. they only provided their first name. non would provide ther employee id for verification. I had the company on my phone to ask about the issue. They have not received calls back from their contact at Transunion, nor will anyone give accurate information. bot my credit accounts with XXXX XXXX and  XXXX finance are up to date and are open accounts. both have been reporting to Transunion and XXXX  for a year. There is no issue with XXXX, so im not sure why they removed these positive accounts from my credit report. When i asked them to let me speak to another dept or someone higher up, they said there is no one else but customer svc and marketing. which i know is an untrue statement. Transunion refuses to fix the issue. They removed any account from jewelers, new coast direct, and ncd. they are all legitimate companies for credit building. I'm in the process of buying a home and one account was removed XX/XX/21 the other XX/XX/21. The vendors are doing an investigation, but Transunion is refusing to provide any information. Can you help us?

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have made two complaints now, both to Equifax and to the CFPB, stating that I have filed disputes online my the Equifax Dispute Portal, but each dispute is taking longer than 30 days to resolve -- in fact, my disputes are still open and Equifax has not sent me any notification about why these disputes are taking longer than 30 days. Since Equifax is not properly resolving these disputes in the 30 days allotted to them, and they're not communicating with me about why the disputes are taking more than 30 days to resolve, Equifax will not allow me to file any further disputes on inaccurate information contained in my credit file. As a result. I am having to file all my Equifax credit report disputes through the CFPB. When I try to call Equifax, their representatives will ask you the same, poorly and ambiguously phrased verification questions. If I'm able to pass those verification questions, their representatives are foreign and there is a massive language barrier trying to communicate with them. Equifax has made it impossible to do business with them. Every time they respond to my CFPB complaints, it is a scripted, canned response that means absolutely nothing and does absolutely nothing. I don't know what to do. Equifax is not processing my disputes correctly, their phone service is both unbearable and unable to be used with their customer service agents ' language barriers and when they respond to my CFPB, the responses are not personalized -- they are scripted, canned, unhelp and do nothing to resolve the inaccuracies on my Equifax credit report. Obviously sending Equifax complaint after complaint after complaint through the CFPB isn't working, so it would be nice if someone involved in Equifax 's executive office was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
About XXXX of XXXX I submitted a request for a COVID-19 forbearance for my student loan held by NelNet. It was approved and remained in place until about XXXX of XXXX. It was widely reported that student loan payment relief was extended through XX/XX/XXXX. In XX/XX/XXXX, NelNet began to contact me about repayment and it was even a much higher payment than it should have been in relationship to my income-based repayment plan that was approved on XX/XX/XXXX. It was in the $ 700/month range rather than the $ XXXX/month that it should have been. That notwithstanding, my loans should have remained in forbearance as they had been for the previous 7-months or so. Nothing changed and again the relief was extended to XX/XX/XXXX. In about XXXX of XXXX I received notification for XXXX  and XXXX that my NelNet loans were greater than 90-days delinquent ( about a year in total ). I called NelNet and they ended up applying a forbearance that brought my account current, which is now reflected on my credit report, but my credit score dropped from XXXX to XXXX, over XXXX points and that drop is still reflected today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA decided to close my account. I received a deposit while account was " restricted '' BofA from XXXX until XXXX XXXX BofA CSR 's told me I would receive a cashiers check and it would be mailed on the XXXX. When i called on the XXXX BofA then informs me they can not mail me anything until the claims on my business accounts are resolved. so I had to close the claims totaling XXXX and lose any chance at getting it back just to get the money BofA is holding hostage. I have no access to my money and everyone I talk to seems to give me misinformation. I NEED MONEY FOR MY BILLS. BofA is a criminal enterprise

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