vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery : They keep adding an old account to my credit report as a current account and as an open account when it has been closed for several years, and changing the date that the account was opened, when the account is actually over XXXX years old, they do not even list an account number because it is too old. 

account of XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: MD

Complaint narrative:
I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, Transunion, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.

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 2020-09-29 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: TX

Complaint narrative:
in XX/XX/XXXX, I notice that prosper marketplace reported inaccurate credit information to the three major credit bureaus : XXXX, Experian, and XXXX XXXX. 

XX/XX/XXXX : I Fiuled a Ch XXXX Bankriptcy - the payment history according to Prosper Marketplace ( inaccurate and incomplete ; also an account I don't even recognize ) -recording as NEW derogatory account credit bureaus are not investigating it -have contacted them several times to verify and correct this inaccurate and incomplete information. 

I have records of all of this : documents by both Prosper and Experian and XXXX XXXX saying it was verified, but there is no verification, m according to furnisher ( Prosper ) under factor XXXX fair and accurate transaction act, I'm entitled to the information that Prosper allegedly has, and has reported to the credit bureaus. It's been seven months, ( will include documentation of all correspondence )

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 2020-09-29 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: NY

Complaint narrative:
I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called chase to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.

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 2020-09-29 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: NY

Complaint narrative:
I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX  in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then XXXX dollars.

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 2020-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was hacked (? ) ON XX/XX/XXXX and I called and reported it. 
They froze my checking and savings accounts for 10 business days to investigate. 
I also reported this to XXXX Florida police department and was given a case # by Officer XXXX and she came out and spoke with me and looked at my account with me. 
I then went in to Sun Trust branch on XXXX and was never treated so rude and disrespected. I ask to speak with the manager and was told no. 
The payment they paid was not authorized by me and it has magically disappeared. 
I don't know if this is an inside job by someone embellishing money or if there really was a hacker. 
They have charged me so many fees, some of which reads no explanation given for XXXX dollars. 
They also returned a check and charged me that wasn't suppose to be paid until XX/XX/XXXX. 
I am a XXXX year old woman try to live on Social Security and have been given the run around for weeks now. 
I had XXXX cents to live on and had to take help from my daughter and friends. 
I need this resolved.

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 2020-09-29 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: MD

Complaint narrative:
I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, XXXX, and Equifax. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: MD

Complaint narrative:
I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to Experian, XXXX, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
My Revolut Business Account has been temporarily blocked for the last 5 weeks. 

I can not access the account via the app or online. I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last five weeks. 

The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. I would just like to access my money and close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in XX/XX/XXXX, I notice that XXXX XXXX reported inaccurate credit information to the three major credit bureaus : XXXX, XXXX, and Trans Union. 

XX/XX/XXXX : I Fiuled a Ch XXXX Bankriptcy - the payment history according to XXXX XXXX ( inaccurate and incomplete ; also an account I don't even recognize ) -recording as NEW derogatory account credit bureaus are not investigating it -have contacted them several times to verify and correct this inaccurate and incomplete information. 

I have records of all of this : documents by both XXXX  and XXXX  and Trans Union saying it was verified, but there is no verification, m according to furnisher ( XXXXXXXX ) under factor 3:12- fair and accurate transaction act, I'm entitled to the information that XXXX  allegedly has, and has reported to the credit bureaus. It's been seven months, ( will include documentation of all correspondence )

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
I received an unsolicited Visa debit card from Netspend/XXXX. I did not apply for this card nor did I want this card. I contacted them and they suggested my identity may have been stolen. I sent them a written notice of the fraud as recommended by IdentifyTheft.gov and did not hear back from them in the required 30 days to indicate that the account has been closed. I therefore do not know the circumstances that let to them opening the account ( the date, method, and what information was provided to them ) nor do I know if the account has been closed.

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo closed all 6 of my bank accounts I had with them without any regards or notice. They claim that one of my clients disputed a charge of {$39000.00} and because of that they took all of my extra funds that had nothing to do with the payment. I mean they took my savings, and all other funds I have worked hard for and now we are on the verge of losing our home over this. Icalled and they claim there's nothing I can do and there's nothing they WILL do in order to help me. I am at wits end with Wells Fargo.

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 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: FL

Complaint narrative:
I received a piece of advertising on XX/XX/2020 that is believed to be a bait and switch tactic, which also may be a RESPA violation. 

The piece of marketing material in question is from Intercontinental XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2020 and arrived in a XXXX XXXX XXXX envelope. Making it look to be official, So I had opened it up. 

The letter gave me a {$100.00} gift card. The only way to activate said card is to call their office number to get started, XXXX. I can only assume it is the corporate/call center line I never called, because I do not want to be harassed on the phone to refinance my home after making only 6 payments since my last refinance. I blocked my name/address on the attached letter to try to avoid repercussions by said mortgage company. 

This is clearly a violation, I am also a licensed loan officer here in the state of FL and I very much know what the limitations are to marketing tactics like this and what is deceiving. It's maddening to see companies like this continue to operate like this against the rules for advertising. 

I am reporting this because I do not want to see others fall for this marketing tactic that triggers people to call with a promise of a {$100.00} " gift ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I can not speak to anyone in the risk department to clear my account of the suspected fraud hold to get a replacement card. I have been trying for 3 weeks wakong up at 5 every morning. No progress. I'm having to take out payday loans and apply for food stamps. I'm hungry. My phones getting shut off. I need help

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company 's response to my previous complaint merely restates their position and makes / takes no steps to seek to solve the issue. Purely as such it is a bad faith response which leaves no way to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have sent several letters and phone call to Santander consumer USA. In regards to this matter. Back in XXXX and XXXX I was injured and spent a month and half in the hospital. At this time do to the circumstance I had my mother reach out to Santander consumer USA to make payment on my account. They told her that could not speak to hear because she was not on the account. This cause my account to have two late payments. I was never late for a whole year. I trying get a approve first time home buyer and I don't want this matter to cause me to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had 2 late fees on my account and called and explained that my husband got XXXX they waived both fees of {$18.00} each

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
On or about XX/XX/XXXX, I became aware of an increase to my monthly billed amount due from MOHELA from approx $ XXXXmo to approx $ XXXXmo. I called and spoke w/ a representative to inquire as to 1 ) Why my payment increased and 2 ) if I was no longer allowed the deferment I initiated in XXXX under the CARES act. The representative said that payment was due, though I could apply for further deferment with interest to be capitalized. I informed the rep that when I initiated deferment in XXXX, I did so under the verbal instruction from a MOHELA representative that interest would not capitalize, but the loan would be extended an equal number of months as were deferred. The rep said that she could not account for a monthly payment increase of over {$100.00}, but would investigate & get back to me. 
Having not had a response, I called again on or about XXXX and asked to speak w/ a supervisor. I spoke w/ XXXX , who informed me that as this is an interest variable loan, it had recently recalculated for the first time since XXXX, and that interest going back to that year had been added on. She went on to say that this recalculation is automated and should be done annually, and for reasons unknown to her this had not been done in 13 years. I asked XXXX if federal lending guidelines allow a lender to back date interest calculations more than a decade and add them to the current balance causing a significant payment increase, she said that she did not know, but would consult her legal team and would do what she could to correct any errant increase to my balance. She further informed that she would email her contact info to me. No email was received by me from XXXX. 
On XX/XX/XXXX, I emailed MOHELA asking for the name and contact info for the supervisor Id spoken with, as she had not contacted me. I was given her first name & extension XXXX at XXXX XXXX XXXX. 
Shortly thereafter I contacted XXXX, who informed me that she could do nothing about my sudden balance increase of approx 30 % (? I have not seen the actual figures across my MOHELA loans, only the monthly increase ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On Friday, XXXX XXXX, Customer A awoke to XXXX having been drained from his bank account. He reported it to the bank and discovered it had gone into his long inactive Paypal account. Somebody had added a fake name, fake phone numbers, and an address of an empty lot in XXXX to his account ( paypal has refused to address this or take calls to resolve ). He was able to make a payment to the paypal account of Customer A 's wife before whoever was behind the fraud could access the funds from paypal and did this because he was unable to get ahold of paypal as they no longer operate telephone services and do not respond to time sensitive messages. Customer A 's wife ( complaintant ) received the money and transferred back to her bank account, but paypal caught up the next day and is placed a debt on her account, wanting to send the money back to Customer A 's compromised account. The family continues to fight paypal over this issue and paypal refuses to call and resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/20 I contacted Capital One to inquire why my credit application was denied. I was informed by the representative at XXXX that I needed to remove the fraud alert from my credit to be approved. I explained that I am to be called and my identity is to be verified ; I also offered to verify my identity at that time. She again asserted that I need to remove the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2020 - Encountered numerous fraudulent international transactions emptying my account balance of {$10000.00} including {$190.00} of international transaction fees incurred in this activity. 
XX/XX/2020 - XX/XX/2020 - Several calls to file claims to resolve fraudulent transactions and was told the investigation would be completed by XX/XX/2020. 
XX/XX/2020 - Credit to balance applied to current balance {$9900.00} ( fees have not been reversed ) XX/XX/2020 - Have not received any correspondence about completion status of investigation. 
XX/XX/2020 - Called to inquire status of investigation, advised it was still open. I indicated fees {$190.00} were still outstanding and had yet to be reversed and was told the bank has to do that. 
XX/XX/2020 - {$190.00} fees have yet to be reversed and I have not yet received notice of completion of investigation.

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