vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, I went to ATM machine located at XXXX XXXX XXXX in XXXX, WA XXXX. The ATM is owned by a company called XXXX XXXX XXXX XXXX. I attempted to withdraw {$500.00} but was declined so I never received the funds even though I had the funds in my account. However, US bank took out the money out of my account ( my customer ID number is XXXX ) even though I never received the money. Their number is XXXX. 

On XX/XX/XXXX, I contacted XXXX and spoke with supervisor XXXX XXXX. His number is XXXX, ext XXXX. He said US bank declined the transaction ( XXXX XXXX ). We have a 3- way telephone conference with supervisor XXXX XXXX US bank. She claimed the money was authorized and they dispersed the money to XXXX. She gave me their authorization number of XXXX. 

In XX/XX/XXXX, I forward the US bank statement to XXXX showing the funds was taken out of my account and was told to file a dispute with US bank, which I did. On XX/XX/XXXX, US bank issued a provisional credit of {$500.00} back into my account. However, they took it out again on XX/XX/XXXX. 

I called US bank. I forgot who I spoke to but she was very rude. She said I lost the dispute. I requested several times that they send me documentation showing they dispersed the funds to XXXX so I can file a complaint. But, I have never received anything to date. 

I have been going back and forth between both agencies and this has been a very frustrating process. I have suffered financially because of this. I believe that the fault lies with US bank who has been extremely difficult to deal with. XXXX has been helpful in trying to resolve this, but they can not issue me a refund since they never gave me the funds. ( See attached email ) Please look into this matter. I am attaching the bank statements from XXXX to XX/XX/XXXX ( XX/XX/XXXX : {$500.00} was taken out of my account ; XX/XX/XXXX : a provisional credit was issued ; XX/XX/XXXX : it was taken back out ).

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 2020-01-13 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: NV

Complaint narrative:
I tried having the credit bureaus remove a collection account from XXXX that is not mine. I need to have this removed ASAP. This has been affecting my ability to qualify for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2020, I received an email from GE Capital regarding the alleged debt, in the amount of {$980.00}, for an online payday loan. The email stated my SSN was placed on hold by the US Government and I needed to resolve the matter. In addition, it listed four allegations the XXXX XXXX XXXX XXXX would take against me if not resolved within the specified timeframe. The email further urged me to inform my employer of what was done and the consequences once the case was executed in my name. Not only did it request I inform my employer, it stated that they could report this information to my employer, the FBI, and FTC. It gave me 48 hours to make contact with them, however, provided no telephone number or address for contact. Lastly, the email mentioned the United States of Attorney and lists the sender as the Senior Investigation Officer for Department of Law and Enforcement. 

I am unaware as to what this debt is or the time period it is said to have occurred. This is the only email I have received regarding this " debt '', and to my knowledge, I have not received any telephone calls. I responded via email, as this was the only form of communication given.

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 2020-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
My mortgage is through Penny Mac Loan Services. 
I made my XXXX payment. They tried to withdraw the payment twice from my checking account. I had to issue a stop payment for the second payment. They messed something up in their system and have not been able to post the first payment that cleared my account. My account shows delinquent when it's not delinquent. I am being charged interest and a late fee for my XXXX payment that is incorrect. 
The rep who I spoke to told me that they changed systems and this is what caused the error on their end. They acknowledged that they received my XXXX payment, but told me that it would take about 20 days to resolve. This is completely unacceptable. They've had my payment and there is no reason it should take 20 days to post correctly. 
This issue has been going on since XX/XX/19. 
This was their mistake, not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Credit card companies generally do not charge off accounts until they are 180 days past due. My Kohl 's Charge account was paid and brought current XX/XX/XXXX for {$13.00}. On XX/XX/XXXX I made another payment for {$39.00}, which was returned due to the account being closed. I did not receive a phone call, email, or letter notifying me of this, or I would have corrected it immediately. Kohl 's incorrectly charged an old bank account on file with them, one that had not been used for payments in over a year. The current bank account I was using for payment was also listed as the default account, so I would not have have made this mistake myself. On XX/XX/XXXX, the account was charged off. I called the collections department and they informed me it was not 113 days past due before the charge off, but XXXX. I asked how they arrived at this number, which is still less than XXXX, and they were not able to offer an explanation. I also received a phone call from the office of the president, by a lady under the name of " XXXX XXXX '' who also told me " even if we made a mistake, we will not be correcting this ''. This is an admittance that they do not adhere themselves to the fair credit reporting act ( FCRA ). If my account was in fact 171 days past due, it would have showed as such on my credit report. All of my credit reports show the same thing " XXXX XXXX of 90 days on XX/XX/XXXX ''. But the fact of the matter is 171 days is 9 days shy of 180 days that must pass for an account to charge off, and since I made a good faith payment on XX/XX/XXXX, which their computer system incorrectly pulled from the wrong account, it was in fact only 90 days. This also corresponds with the " 90 days maximum delinquency '' listed on my credit reports. 
Lastly, the payments I made on XXXX, XXXX and XXXX of XXXX are not reported at all on my credit reports. In fact, for those months, it shows 30 days late in XXXX, 30 days late in XXXX, 30 days late in XXXX, 60 days late in XXXX, which is not correct. It should not even show 60 days late in XXXX, as I made a payment for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paul Michael Marketing Service
State: NJ

Complaint narrative:
paul marketing is a collection agency and they are harrassing me. This debt isn't mines. Iam a XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Recovery Solutions, LLC
State: TN

Complaint narrative:
My employers received a call from this company asking for me earlier today on their personal cell phones. Not sure how they received this information & found their personal numbers, but this is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 charge two time {$34.00} dollars.for insufficient funds fee .. 
Another one on XX/XX/2019 charge three times $ XXXXdollars ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 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: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX   XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( 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 non-monetary relief
Consumer complaint received 2020-01-13 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: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX   XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( 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 non-monetary relief
Consumer complaint received 2020-01-13 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: NV

Complaint narrative:
I tried having the credit bureaus remove a collection account from XXXX that is not mine. I need to have this removed ASAP. This has been affecting my ability to qualify for loans.

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 2020-01-13 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: FL

Complaint narrative:
I had a credit card with XXXX  XXXX XXXX for nearly 14 years and never missed a single payment on the card. Mostly, because it was on auto-pay. I had to close my checking account for fraud and opened a new account with a new financial institution. 

I called XXXX 3 times to give them the new account information for the Auto Pay and they never updated it. I also advised them to cancel auto pay but they did not. I made the payments that were required in the local branch ; however the auto payments that they attempted bounced back. 

This caused them to close the card. I attempted to resolve the issue with them last summer but ultimately gave up. Since the card was closed I was no longer getting any notifications or emails or phone calls from them and I was not receiving my statements due to my identity theft. I advised them of this. In XXXX of this year, they reported me late to the credit bureaus but they did not call me or advised me that I was late in making a payment and in fact I had called them several times to attempt to pay over the phone but they STILL did not have my updated checking account information on file, and they wouldn't give an option to pay with a debit card. I spoke to someone in their customer service department and they advised me they would remove the late payment but it is still showing. 

This has caused my credit score to drop over 100 points. Please help 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 non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am unable to get to my Experian credit report online.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is reporting a XXXX XXXX collection that is not mine. XXXX and XXXX  has removed this collection due to failure to verify it was mine. Equifax has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NY

Complaint narrative:
I can not dispute online

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 2020-01-13 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: IL

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, somebody used my personal information and applied for it, They put incorrect name as XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/XXXX I XXXX messaged a debt counselor who had multiple mutual friends of mine that were all military. On Ms. XXXX profile she had that she was a debt management counselor at XXXX XXXX, debt counselor at XXXX XXXX XXXX, debt counselor at XXXX XXXX XXXX. She also had multiple photos of accounts she helped. I believed I could trust her due to her being affiliated with the military and my friends. So I proceeded to ask her to help with consolidating my small debt. I will be including the messages that went through between us. Everything seemed alright she was helping me. She requested that through her she could get me a small loan of {$4000.00} but would need me to put {$1000.00} down as a deposit to be able to get. Seeing her previous work and knowing she was helping service members out I believed her and did on XX/XX/XXXX she said it would take 5-6 days to get the loan into my account then when the day came to give me the services she ignored my messages and then went to block me on XXXX, her phone and XXXX so that I couldnt contact her. As soon as I figured she was scamming me I reported it to my bank. I had to file 3 disputes as the transaction had to be split into 3. We agreed on sending it over XXXX XXXX and due to the high amount only two transactions one of {$250.00} and another of {$100.00} went through thinking she was helping me I then sent the rest {$650.00} through XXXX. She told me after I sent the money she would be working on finishing the loan. My bank USAA gave me a temporary credit for the XXXX XXXX   transactions and then filed with XXXX for the {$650.00}. XXXX got back to me today XX/XX/XXXX and told me that they werent responsible and that I should talk to the recipient who I cant even contact and is a scammer. My bank also backed up XXXX by saying that in the end it was XXXX final decision and theres nothing they can do. I want my money back but the bank nor XXXX will get her to give it back to me. I dont want any other services members being scammed by this woman and would like for her to be found and stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent various letter to walmart disputing an account found on my credit report. I have sent out various letters per pursuant to Fair Debt Credit collections reporting practices act. I have asked them to validate the debt and provide documentation. i have received no valid paperwork. In addition, the dispute status on my credit report was not added and when it was added it was not added in a timely manner per Fair debt collections practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Good day, I have a problem with Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX, which sponsors the store credit card for XXXX. I used this care for a year or so and things went fairly well until they started charging me exorbitant fees for late payment ( 1 day late! ) and other made up infringements. I called several times to complain and was treated very unsympathetically. I therefore resolved to pay off all balances and just keep the card, since I had been told that if I closed the account, it would adversely affect my credit. That was more than 3 years ago. 

Now the bank has sent me a letter which appears threatening to me. It reads in part : " You may not realize it, but your XXXX Credit Card account hasnt been used in 39 months Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I am fine with the first part. It is the second part that makes me feel threatened. I do not need my credit score to be adversely affected right now. How can I have this credit card which I no longer have a desire to use, closed, without my credit score being lowered by the action? 

Thanks for you help and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went on FTC.gov to get my free credit report and from there, I went to Experian.com. This all took place recently, on XX/XX/2020. I am with 3 credit companies yet only one is showing. Only my XXXX account is showing when I am also with the XXXX XXXX XXXX XXXX and XXXX XXXX. Please let me know what information I can provide to help identify my account so we can get this problem resolved. Thank you.

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 2020-01-13 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: CA

Complaint narrative:
On XX/XX/XXXX Equifax Mortgage Service made an inquiry into my credit score when the loan which I had applied for had already been funded. I did not authorize this inquiry and as several inquiries had been made related to the same application for credit there is no reason that my credit score should be adversely impacted by these inquiries. 

On XX/XX/XXXX Equifax Mortgage Service made yet another unauthorized inquiry into my credit without my permission and about three months after my loan had already been funded. 

Each of these inquires adversely impacted my credit score and I would like to have the inquires removed from my credit report.

Company response to consumer: Closed with explanation