vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Today, XX/XX/2020, I received a USbank reliacard. I am not a USbank customer. I have not applied for unemployment. This looks like fraud. I have tried reporting to USbank by phone. ( At XXXX XXXX  mst, I spoke with a USbank employee, XXXX. She was unable to help & transferred me to an unanswered phone. I then called the USbank fraud line and at XXXX spoke to XXXX, who was also unable to help. 
I can not account for receiving this card & can not get any answers from XXXX. I am XXXX  & have NOT applied for unemployment. Please help me resolve this.

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 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are several closed accounts on my XXXX, XXXX, and Transunion credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, XXXX, and Transunion are reporting unverified information on my reports.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are several closed accounts on my Experian, XXXX, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, Experian, and XXXX  are reporting unverified information on my reports.

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 2020-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE

Complaint narrative:
I currently have a mortgage with Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH XXXX. Over the past three-years or so, I have been making monthly, electronic payments toward my principal and have specifically wrote in the memo section that the payment be applied to my principal. Further, I made an electronic payment to be applied towards my escrow and specifically stated this in the memo and Fifth Third Bank continues to misapply my payments. When I called Fifth Third Bank about this matter, I was told XXXX XXXX is the person who would be contacting me by phone but she never did. I had to log onto their website to get her response. I have been trying to speak with her because I want an accounting of my account over the past three-years but am not able to get her to return my calls. I received a letter pertaining to this matter and the letter stated if I had any questions to call the number in the letter. I called several times and left several messages but no one has returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Due to the fires in California over the last few years many insurance companies chose not to renew policies in certain zip codes that they deemed high risk. The California insurance commissioner declared a non renewal moratorium for certain zip codes which includes my zip code of XXXX. My insurance company chose not to renew my policy and was in violation of the law. When I pointed that out they gave me a quote of over {$15000.00} per year. I 5 times more than what I was paying. I shopped around and very few would cover me and the insurance companies that would cover me gave me usury quotes that were unaffordable. My insurance lapsed on XX/XX/2020 while I was trying to get affordable coverage and on XX/XX/2020 I finally found greatly reduced coverage of {$850000.00} for fire only that covered a little over the mortgage amount. Wells Fargo Home Mortgage is charging me {$520.00} for the lapse in coverage, claiming they purchased a policy after the fact ( even though there had been no claims or damage ). I tried to reason with them explaining that there are thousands of homeowners in this situation that are not located in a fire area buy unfairly singled out and non renewed. I asked Wells Fargo to send me the policy on XX/XX/XXXX. 2020 and they sent it to me. It shows that the policy was issued on XX/XX/2020 for coverage of {>= $1,000,000} with an effective date of XX/XX/2020 and an expiration date of XX/XX/2020. How can you purchase an insurance after the fact? I feel that I'm being scammed and I don't think I'm the only one. If this is legal then I want to purchase an insurance policy for the 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 2020-06-23 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: NJ

Complaint narrative:
AS I EXPLAINED IN COMPLAINT # XXXX AND COMPLAINT XXXX. I MAILED IN A DISPUTE VIA CERTIFIED MAIL THAT WAS DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. AFTER BEING RECEIVED BY EXPERIAN THEY FAIL TO START A INVESTIGATION AND AS OF THE XXXX DAY, THEY WERE IN VIOLATION OF THE FCRA SEC. 611 ( A ) ( 1 ). LET 'S BE CLEAR THIS CAN BE PROVEN BY MY RECORDS AND THE U.S. POSTAL SERVICE 'S RECORDS. IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. SO TO EXPERIAN 'S LAST RESPONSE TO CFPB COMPLAINT # XXXX MY DISPUTE DID NOT REQUIRED FOR YOU TO INFORM ME ON HOW YOU STORE INFORMATION GIVEN TO YOU BY A CREDITOR. I SPECIFICALLY SUPPLIED YOU WITH A COPY OF MY STATE DRIVER 'S LICENSE, SOCIAL SECURITY CARD AND CURRENT UTILITY BILL. PROVEN MY IDENTITY AND INFORMED YOU THAT I GO BY NO OTHER NAMES. YET INSTILL YOU FAIL TO LAUNCH AN INVESTIGATION AND VERIFY THE INFORMATION YOU WERE BEING TOLD AND REVIEWING THE PROOF OF THE CREDITOR 'S CLAIM. I WILL SEE YOU IN COURT FOR THE VIOLATION LISTED ABOVE. I WILL BE SEEKING DAMAGES FOR YOUR WILLFUL AND NEGLIGENT REPORTING THAT IS CAUSING ME HARM TO MY FINANCIAL WELL BEING

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 2020-06-23 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2020 a charge called XXXX XXXX for XXXX posting on XX/XX/2020 was an XXXX  transaction where I bought a XXXX case and its fake - looks nothing like the pictures - its a pasted decal on a plastic case selling as some real designer case. XXXX closed the seller down and threw them off the site so I cant contact the seller where it states it was coming from CA - the item is fraudulent- the seller you cant get a hold of bc XXXX pulled them off for this and Im not paying this ... so either you credit me and take it up with them or Ill have my attorney write you personally. Your choice

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 2020-06-23 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: PA

Complaint narrative:
HI, i have a problem regarding my credit report with EQUIFAX only its a very bad company with no care about consumer report i have been trying to set up an account on my.equifax.com and when i log in it gives we can't process please call customer service so i add already screenshot of that screen, and i called customer service many many times with no care all are XXXX people doesn't care to fix, and even when i can on phone system after entered my SSN, DOB, Address it telling me we can't identify your identity, and i spoke couple times to Customer service they don't know what is my issue and ask me to send a copy of my ID with SSN copy to Equifax Office XXXX, Georgia, i did three ( 3 ) times with no answer to fix my identity, and that issue affect me when i apply for credit with few lenders like XXXX XXXX XXXX XXXX, XXXX, XXXX, so i gave up and submit this complaint maybe someone care and fix my identity so i can login my credit online and unlock or locked or see my report, so i only ask Equifax to fix my identity,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Auto Trakk, LLC
State: TX

Complaint narrative:
Debt is XX/XX/2014 {$13000.00} auto loan AutoTrakk the debt truly is between XXXX XXXX and auto trakk. Neither company communicated to one another about the debt. Leaving the debt continued late payments to leave me credit reputation and payment history damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
Debt Recovery Solutions Inc. has placed SIX medical collection accounts on my credit report and additionally has sued me in court ( its still being litigated ) at the time of this complaint, prior to even notifying me of any such debts to give me the opportunity to dispute them. I have exhausted every option I have to tell these people these are NOT my debts. I have repeatedly via email/phone calls/open court/mediation, asked them to supply me with something tangible that these debts are MINE. They decline to provide any such documentation. All they have provided me with are invoices of a hospital bill for someone with my name and the  invoice is for XXXX dollars. I have contacted the alleged original creditor ( s ) all of whom say I have no outstanding debt with them. These debts are 6 and some 7 years old. I was unaware of these debts until being sued in court. I have worked with these people to prove this debt is not mine. They are the ones trying to collect seven year old debts, the burden of proof should be on them. I am innocent until proven guilty, and the are offering no evidence of my guilt. I have only the copies of the bills that were given to me in court. Prior to that Ive never received a bill/statement, nothing from this company!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
Radius has re aged a debt illegally. This electric bill was from a time 3 years ago, when the XXXX mortgage company took back my house in a deed in lieu of foreclosure. The consumers energy electric company said it was my bill. XXXX assumed responsibility of the bill when taking the house back. 
This was XX/XX/XXXX. That was the end of it I thought. I checked my credit report and see this debt as current in 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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to you in regards to my Wal Mart credit card account. In XXXX, XXXX, Wal Mart Credit Card was transferred to Capital One Credit Card Company. At this time, I was not receiving my monthly statements due to an error in the system. I could not contact Capital One directly because I no longer had this credit card. I realized there was a problem with this account when my husband and I tried to refinance on our home. Our loan officer pulled our credit report and informed me of this delinquent account. Our loan officer provided me with a phone number to call Capital One. 
From XXXX XXXX to XX/XX/XXXX, I did not receive my monthly statements so I made online payments of {$75.00} each month. The problem is that I did not realize that the minimum payment was {$120.00} which caused this account to be delinquent. No one from Capital One contacted me. The late fees were added and credit reporting lowered my credit score from XXXX to XXXX. As a consumer, I know how important it is to pay your bills on time. My husband and I are trying to refinance our mortgage loan. Because of this one credit card error, it has caused my credit score to drop drastically and not be able to refinance on our home. 
When I called Capital One last Thursday, XX/XX/XXXX and spoke with three different supervisors, I soon found out that my address was listed in their system incorrectly as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX. Over this 5 months period, no one from Capital One tried to make contact with me. I did speak with XXXX, Capital One supervisor, she informed me that she was not able to take off the late fees and resend the corrections to the credit bureaus. She asked me to put this claim in writing and make a dispute. As a consumer, I do not feel that I am being treated fairly. 
I am hoping that by filing this claim, the CFPB can investigate this case. You can also see from my credit report that I do pay all of my bills on time. Ultimately, I would like for Capital One to remove all of the late fees, correct the error, and report correctly to all 3 of the credit bureaus. I truly appreciate you looking into my case and I hope that this can be resolved very soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
XXXX took more than 30 days.

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 2020-06-23 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: NC

Complaint narrative:
Investigation took more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after 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 2020-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have contested a late fee that decimated my credit score with Bank of America and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see BoA )  or low-tier credit reporting agency allow this to post ( see XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.

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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal Message : Dom., XXXX XXXX XXXX. de XXXX XXXX XXXX ID number : XXXX XXXX to this problem, your account has been permanently limited. 
We know this situation must be frustrating and annoying, but you can continue consulting the history of your transactions for a limited time. 
You can get more details about the limitations of your account in the Resolution Center. For more information, contact us and we will everything you need to help you. 
You can withdraw the money from your account within 180 days. We will send you an email when available. We just want to make sure you have money in your account to cover any payment cancellations. 


XXXX ene. XXXX XXXX Your PayPal funds can now be withdrawn. 
To withdraw funds from your account, log in to PayPal. 
We remind you that access to your account will remain limited. 

While access to your account is limited, you can : * Add logos to your auction ads or your website. 
* Update your account information.

* Withdraw funds from your account.

Fine! 

Once this time has passed ... When connecting to my account some time later ... I find a surprise : PayPal - {$1.00} XXXX de XXXX de XXXX Transfer {$1100.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; XXXX XXXX a PayPal XXXX XXXX de la XXXX de XXXX XXXX ; PayPal 's damages caused by Acceptable Use Policy violation I have not violated any policy as they say here, when they blocked my account, there was another reason ... And now they kept all my balance! 


never says that I have violated any kind of policy, nothing at all, this is something that paypal did by force! and is ripping off all users!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after 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 2020-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after 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 2020-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Account showing on credit report doesn't belong to me.

Company response to consumer: Closed with non-monetary relief