vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 Navy Feder credit union removed $ XXXX from my personal checking account without authorization or prior notice. I have a third party handling settlements with NFCU. This is a poor practice and automatic drafts should not be made without the account holders knowledge. These funds were part of the most recent economic stimulus package and should not have been taken by NFCU. I have contacted NfCU and was placed on hold for nearly an hour after being passed from person to person to try and resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
American Education Services, which is connected with the Pennsylvania XXXX XXXX XXXX XXXX, has serviced my student loans which are XXXX XXXX loans, even though I don't currently, have never and didn't attend school in Pennsylvania. Due to COVID, federal student loans have been placed on deferment with interest frozen and payments stopped.I reached out to this company to make sure my loans were included and waited weeks to initially hear back and then spent months getting the run around with no specific answers until after threatening to go to the Department of Education they let me know I actually had XXXX loans and that they weren't covered under the CARES Act. My loans had been accruing interest the entire time. After discovering that they were XXXX loans I asked about a direct consolidation that would then make them eligible for the relief as well as any possible federal forgiveness in the future. It has now been XXXX months since I inquired about that and still no response. This " company '' is nothing but a scam and their " customer service '' is a joke. In one of the correspondences I asked about the Service members Civil Relief Act since I spent a decade in the XXXX and was supposed to have a cap on the interest charged and after a week I got a response that says they'll look into it and get back to me. As of this writing they still haven't said anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: NY

Complaint narrative:
I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote Equifax, XXXX  and XXXX  to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote Equifax, XXXX and XXXX  to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX  on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, XXXX  and Equifax are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, Equifax, XXXX, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Requested my annual credit report via XXXX for XXXX  and Transunion. A week to 10 days later I received an extensive report about my account from XXXX  and a postcard from TransUnion requesting that I provide 2 forms of identification per the list they provided - all would contain Personal Identifer Numbers. At this time, I'm not comfortable supplying this info via mail and do not understand why TransUnion is requesting these documents when the other two credit reporting agencies do not. I'm writing to request that TransUnion change its policy and procedures that this info be confirmed online per other companies examples. Given the level of technology that is available, the access that TransUnion has to other info that confirms the requested info, this request feels like unnecessary obstacles are being created to obtaining my credit report from them. 

Thanks 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 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tried to open a representative payee checking account, which Capital One told me they stopped offering last year, mentioning that this is part of how they keep costs low for everyone. I am representative payee for my XXXX y.o. son and his XXXX benefits, and the rules are clear : no joint account. Which is the only option Capital One seems to have available now. XXXX The account with one owner, which I tried to open for my son to comply with the XXXX rules, is not able to accept deposits of his checks according to Capital One rules because they have my name on them, formatted as " XXXX Representative Payee XXXX for XXXX Beneficiary ) '', and they claim to have no option to title the account as required by XXXX rules. ) All this is a problem for me, and my son, -- including, now I don't have access to the money from the check Capital One accepted for deposit, so I can't pay his expenses with it. And, XXXX requires he received his benefits via direct deposit, which I obviously can't do without an account. 

So, I will find another bank to take my business to. 

Big picture, though, this seems like discrimination against people with XXXX. Whether or not it was their aim, Capital One has effectively prevented all XXXX people who rely on representative payees from using their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I could not afford my car because of a hardship I gave my car back they sold it at the auction they are willing to settle with an amount of XXXX I made a payment so my new balance is XXXX I have untill XXXX I plan on paying it Im making payments I called because of the hardship I asked if they could remove it when its paid in full they said they cant I would have to reach out to someone else it can be removed I also asked them for pay for removal I was not allowed to speak to the team that removes them I am trying to go through a program to buy a house but its stoping me so I asked them kindly if they would remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On Friday XX/XX/2021, I listed an item for sale via XXXX on XXXX app. On Saturday morning, XX/XX/2021, I was contacted by a person, who I figured out later it is a stolen account. 
The unknown guy, who was using this account, contacted me regarding my list. 
When I asked him about the payment method, he asked me to download XXXX XXXX to receive my money, which Ive never used it before. To set up an account on the app, you have to enter a bank information, which I did by using my TDbank account. On XX/XX/2021, Ive received a text message says there is {$300.00} transferred to XXXX XXXX. First, I thought it is a spam. On XX/XX/2021, I received another alert from my XXXX bank, which is the main account Im using that there are XXXX not authorized action was done earlier morning for {$77.00}. I responded back to XXXX that I didnt do these transactions. These transactions happened outside USA. 
There was a hack happened on XXXX XXXX after I downloaded it. The real person information is : XXXX XXXX XXXX because there was {$300.00} posted under this account. 
XXXX hacked the XXXX account and used it to communicate with me. 
XXXX started to hack all my credits accounts, where XXXX is a very secured account and my cellphone. Ive opened an identity theft report @ XXXX XXXX Police Department, case number XXXX. My identity theft from FEDRAL TRADE COMMISION is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: IL

Complaint narrative:
ATTN XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: MO

Complaint narrative:
I sent out letters to Equifax in regards to inaccurate account information and the accounts Metro 2 compliance fields. The investigation was only supposed to last 30 days since no additional information was provided. It's been over 60 days and the investigation is still going on. When I called, they started I would get results, and to date, I haven't received anything and it's still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: DISCOVER BANK
State: OH

Complaint narrative:
Discover Card needs to 1. Delete any and all negative information that they posted on my account and/or in my credit file. 
2. Delete all charges posted by XXXX and/or Discover Card. 
3. Send me a letter that this has been taken care of as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FC HoldCo LLC
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX. XXXX, 2020

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 2021-04-05 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: OH

Complaint narrative:
I was looking to rent an apartment and when I pulled up my credit I found an unpaid negative fraudulent account on my file. I always pay my bills on time I have no idea where these accounts came from. I live in XXXX OHIO. I noticed According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX please delete these fraudulent addresses asap : XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please remove the following unknow phone number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
Good evening Someone use My Person Information With out my Authorization for the Amount of XXXX Which I took the Initiative to Pay. I do Have the Receipt that this fraudulent Accounts was Paid in Full. 
This Account Should not be on my credit.

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 2021-04-05 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: OH

Complaint narrative:
I was looking to rent an apartment and when I pulled up my credit I found an unpaid negative fraudulent account on my file. I always pay my bills on time I have no idea where these accounts came from. I live in XXXX OHIO. I noticed According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX # XXXX please delete these fraudulent addresses asap : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please remove the following unknow phone number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, My mother had a XXXX and I am now her power of attorney. I have managed to contact all her banks & credit card companies in order to manage her finances. I have been constantly dealing with her Capital Once accounts since XXXX with no resolve. They have had no issue with me making payments from my personal account and I have sent in my power of attorney ( I kid you not ) over 30 times. Now they have locked my mothers account and I am unable to get a resolution. There customer service hold time is beyond ridiculous and there is no chat option. They have her online account locked and there is no way allegedly to resolve this without speaking to a person. Again speaking to them does nothing and my mother was incurring fees due to this. I have since moved her balances to a different company. I need someone to contact me from Capital one that has the ability to resolve this. I am at the point that I may just close these accounts due to the frustration and hours of I spent dealing with this. I am sure they are breaking some sort of law, my mother is in speech therapy and can not not speak well or deal with this sort of issue and I have legal power of attorney which Capital one has on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear CFPB, I hold a 5 Year CD that I opened with XXXX XXXX XXXX during XX/XX/2016, that was taken over by US Bank. I did not notice the letter before my CD renewed this past month, and US Bank has I contacted them, and they wanted more than {$150.00} to cancel the CD, which is more than 200 % of the the full amount of interest the CD will pay out over 5 years. They also renewed the CD at a rate that is low ( .25 % ), when other 5 Year CDs can be found at 3-4x that rate.

I believe their fee is usurious to cancel the CD and unreasonable given the CD just renewed this past month. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I initiated a transfer of {$9000.00} from my Cash App balance to my linked external bank account. The funds were never transferred and I was subsequently unable to access my Cash App account, having received notifications that my mobile number and email address had been unlinked. Upon contacting their support, I was only informed that my account had been closed. As per terms and conditions set forth by Cash App, the money transfer must be made. I have incurred substantial expenses as a result of their failure to complete the transfer in the timeframe specified. Screenshots showing my balance and transfer to my external account are attached.

Company response to consumer: Closed with explanation