vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 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: PA

Complaint narrative:
I have a paid membership account with Transunion and I have been unable to file a dispute for the incorrect items on my credit report. 

I've contacted the company twice since XX/XX/2020 and have been told they aren't aware of any issues and that I can place the dispute over the telephone but I won't receive the updates electronically. I want to receive the updates electronically as I travel for work. 

Their website has not accepted electronic disputes for more than a week.

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 2021-01-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OK

Complaint narrative:
After months of waiting for id verification to get my Colorado unemployment, i go to use my U.S.BankReliacard on XXXX, 2020 that had been loaded with XXXX $ but it said transaction denied. i called the XXXX number on the back of the card to be told my address doesnt match what they have on file but not only does it not match but it hasnt been changed ... Well if it hasnt been changed then it should be the address i provided when asked.. They therefore proceeded to tell me they can not give me any information about the account cause i cant verify my address, and to to to this website www.verify.usbank.com/ID and upload my ID and a selfie and within 1-2 business days someone from there '' offline team '' wil call me to reactivate my card.. Well its been 10 and they still have no update anytime i call. They say theres no way to contact the " offline team '' and their supervisors are just as not helpful as them. They hang up XXXX Ive faxed my documents and uploaded them multiple times.. I have no electric due to them freezing my card. I know have XXXX $ that i cant access and bout XXXX $ worth of bills unpaid. Im bought to lose my house. They are holding on to peoples money for what reason. I need my card reactivated now

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 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
1. An escrow account analysis was done on XX/XX/XXXX and XX/XX/XXXX, when it should have been performed annually. The monthly payment increased is incorrect as of today. Exhibits A and B. 
2. Homeowners Insurance Company, XXXX, was cancelled and there was a surplus of {$720.00} mailed to me by check on XX/XX/XXXX. The amount was paid to Select Portfolio Servicing, Inc. on XX/XX/XXXX over the telephone and the {$720.00} was not applied to escrow. As of XX/XX/XXXX, have been trying to get it corrected to have the full amount applied to escrow with a corrected escrow amount, but to no avail. Exhibit C. 
3. The escrow amount is incorrect as of today and on all the monthly statements. Exhibit D 4. The monthly statements are all incorrect for balance owed. All monthly payments have been paid as of XX/XX/XXXX to XX/XX/XXXX. Exhibit D 5. The monthly statements that show a past due amount are incorrect. Statements online has incorrect information and Select has not corrected per previous requests. Exhibit D

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have been trying to dispute this collection. I attempted to verify debt with company and they only sent a copy of a bill which is not verification, failed to verify debt the amount of XXXX was paid for a totally different bill

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 2021-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance account was closed all of a sudden it is open back and said I owe XXXX now but a year ago they said it was closed and I owe XXXX now I know for sure I dont how them any money and I'm not sure how it was open back up and it also say someone is making payments on it and it wasn't 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 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had sent my friend {$100.00} on the cash app today, but it wants through on my end, but she told me she didn't get it, and it was failed on her end, and I was billed for the payment by my bank. Please help me with the receipt identifier is # XXXX. My cash app is XXXX XXXX, and my bank proof is INFORMATION Description CASH APP*XXXX  XXXX XXXX CASH APP*XXXX Type Debit Card Withdrawal Status Posted Amount - {$100.00} Previous Available Balance {$1100.00} Posted Date XX/XX/2020 Card Ending XXXX Category Communications/Telephone my email is XXXX, and her cash app is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XXXX XXXX my XXXX Honda Passport truck was stolen from my apartment. I called Honda and reported it. The customer service rep advised me not to make any more payments, up until then, my payments were on time, even during the pandemic. My next payment wasnt due until XXXX XXXX. I filled a police report on XX/XX/XXXX. The insurance company advised me that itll take 30 days for any payouts, just in case the truck was recovered. It never was. They called in XXXX said I owed {$640.00} ( XXXX XXXX, a then another Honda Rep XXXX XXXX XXXX called me on XX/XX/XXXX at XXXX asking for a payment, for {$5000.00}, I asked them to send me a statement in writing because of conflicting amounts. Then I advised the rep I was recording too and she hung up. Then they called on XX/XX/XXXX, and said I owed {$500.00} for XXXX payment, but would not put it on my credit report, and they would stop calling because they were still waiting for XX/XX/XXXX to finalize the case. They lied, they called again on XX/XX/XXXX at XXXX ( XXXX XXXX, and reported it as late payment anyway, and XXXX XXXX had already paid them as of I still had not received any written final statement from Honda regarding monies owed. I requested that they send me in writing again, any monies owed. In XXXX and the Honda rep assured me it was in the mail. I never got anything. On XXXX XXXX XX/XX/XXXXpaid Honda {$31000.00} the amount they agreed upon, which shouldve included anything I wouldve owed, but all of my payments were current up to the end of XXXX and XX/XX/XXXX when I had possession of the truck. XXXX payment wasnt due until the XXXX. I went back and forth over the phone with Honda about the late reporting on my credit report and also about sending my an itemized final statement. Which as of XX/XX/XXXX, I have not received. I did however receive a letter on XX/XX/XXXX saying that XXXX paid them on XX/XX/XXXX, {$31000.00}. This date is inaccurate. They received that payment in XXXX and I resent them the information again on XXXX XXXX via fax. And they did not send me correspondence on their legal Honda Letterhead. Instead, I received a photocopy of a letter, with no signature or itemized billing. I would like for a Honda to remove the late payment information from my credit report. I would also like a breakdown of any alleged money owed so that this issue can be resolved expeditiously, and without any further tarnishing to my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
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 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 2021-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
I should have gotten my SSI check today XX/XX/2020 but my account was closed on the XXXX of XXXX. There was no letters from the bank saying there was a problem. I called the 1800 number talked to four different people. I was told that a supervisor was calling the main bank and they would get back to me. No did so I called back and was told I needed to work with my back about my funds that was in the account. They closed at XXXXXX/XX/XXXX today. So nothing anyone could do. I talked to my bank twice today. No one could tell me why my account was closed. I was told they sent letters out, but they could not find any they sent out. So I can not pay my rent feed myself or my pets and I cant get my truck fixed tomorrow. Had to get a appointment for that. All I was told was they was sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Previously. I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XX/XX/XXXXCredit Card that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. I sent a complaint via CFPB ( reference complaint # XXXX ) and was advised that this listing would be removed from my credit report due to potential fraudulent activity. Either this listing has shown back up again with different information, or it was never removed. There is a listing on my credit reports for {$820.00} now from a XXXX XX/XX/XXXX XXXX Mastercard that is showing opened on XX/XX/2020. I have sent validation letters multiple times with no response. This is not my account, there is no signature in my handwriting for this account, and it was found to be fraudulent. Now this company is showing on my report again!!!!! I have NEVER received any correspondence at all from this company nor did I receive anything from Trident Asset Management, and I have never signed contracts with either. This needs to be removed from all of the reporting agencies asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime has a secured credit card and debit card. My secured credit card was in overspent status. Chime sent me an email stating that it would need to paid by XX/XX/XXXX. I got my stimulus check deposited into my checking account with chime. They turn on move my pay feature on their own AFTER I had turned it off two weeks ago. They move my entire check to pay my secured credit card that wasnt due until XX/XX/XXXX. My car just got repo two hours ago because I was supposed to make a payment today. How I know they moved my money without my permission because yesterday I got deposit of $ XX/XX/XXXXand they didnt not move that over to secured credit so if my move my pay feature was on than it wouldve moved that money too in which it didnt because it was turn off. This total fraud!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
On XX/XX/2020 PHL {$1100.00} from my escrow account as a " Short Payment '' when I noticed this and called on XX/XX/2020 their representative ( XXXX ) told me that is was because I was late in XX/XX/2020. By PHL own admission on the attached documents I have never been late with any payments. This is the snowball effect of their record keeping not being corrected when requested. To their credit they did however send me {$4000.00} from my escrow when the house was sold. However if I was never late how can you take {$1100.00} out of my escrow call it a " Short Payment " and not be able to justify why you have taken money out of my escrow account. No one to this date can tell me what this " short payment '' is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I terminated my service with XXXX in 2018 and returned all the equipment. I received a notification on my credit monitoring on XX/XX/XXXX that a collections has been filed against me. I already escalated the issue with XXXX and they admitted their error ( ticket # XXXX ) but don't think my credit report can be corrected for up to 8 weeks ( 45-60 days ). It could take up to a month to notify the collections company ( CBE ) and up to another month to remove from my report. This time frame is unacceptable. I am in the middle of refinancing a mortgage. A negative mark on my report will lead to a higher interest rate that costs me thousands of dollars. This is essentially fraudulent billing in which they already admitted to have a record that the equipment was returned, and still billed for it. In addition, it is unconscionable to send something to collections 2+ years after-the-fact with no contact to me. I never received any email/call/mail regarding this charge, and in addition, the fact that it took only a few hours for them to confirm this was wrong suggests it was corporate malfeasance to NOT do due diligence before sending the debt to collections. 

You can see in the attachments my account shows a XXXX balance, and in the comments of my account screen, that equipment was already returned/removed from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I started my unemployment on XX/XX/2020 and still have not received a card. I have called multiple times

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 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax and XXXX numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my Equifax report and 15 hard inquiries on my XXXX report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted XXXX and experian numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my XXXX report and 15 hard inquiries on my Experian report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..

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 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-01-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I tried to contact experian and XXXX about regional acceptance and let them know that the account was fraudulent open up in my name and I also attached both police reports and wages showing proof that the account was fraudulent and every 30 days they say we have to wait until the company responds and each time the respond back as accurate as if the account belong to me and up dates the past due balance ... I am very hurt about this situation because I am a victim of fraud

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 2021-01-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I tried to contact XXXX and Equifax about XXXX XXXX and let them know that the account was fraudulent open up in my name and I also attached both police reports and wages showing proof that the account was fraudulent and every 30 days they say we have to wait until the company responds and each time the respond back as accurate as if the account belong to me and up dates the past due balance ... I am very hurt about this situation because I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: CA

Complaint narrative:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NC

Complaint narrative:
I have a loan with Audi FInancial. I have requested paper statements ; however, they do not send me statements - presumably because I have paid ahead and so no current amount is due. Further, when I go to the website there are no current statements online ; nor does the website give the current balance anywhere so it can be checked or verified.

Company response to consumer: Closed with non-monetary relief