vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have had my us bank reliacard I was receiving my unemployment benefits on hacked into & every time Ive called to try to resolve they tell me theyll send me an email and I need to go thru that link to reset my account but they 3 times now never send the email. I started having money taken off account but say if make a XXXX $ purchase with card really XXXX $ would come off and I would at first get all my text message notifications and when I would call an explain they would tell me that i was getting those notifications bc while a charge is pending it would notify me but the $ would be put back after it cleared it didnt make sense. Like once I had a XXXX XXXX charge made from a whole other state for like XXXX but the week before I made a XXXX XXXX  purchase for XXXX I was told that was the same charge every time Id call they talked to me like I was really ignorant. I explained that my account was hacked into once before by an ex and the lady reset my account and everything was fine. It started I couldnt log into my account online or on my app no matter what I would do it would keep telling me my information was incorrect to check it but I only have 1 ss number and birthdate it didnt make sense. Im assuming its so I couldnt view my transactions. Then I ordered a replacement card that I never received but instead I received like 4-5 notices about my address change that I made but that wasnt me I have to use my dads address by I dont have 1. Then I started receiving less and less text alerts so Id call the XXXX number & every time I had to re enroll in the text messages. Then suddenly I stopped receiving them altogether. It tells me on the automated message that Im signed up to receive them but I actually dont anymore. This happened to me around XXXX. I havent been able to get anything fixed Ive actually had to almost argue with customer service by when I try to explain the situation they do nothing to help fix this its been very stressful and has caused me extreme anxiety and 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 2021-05-31 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Spoke to Nordstrom Card Services About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. 

I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. 

Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. 
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. 

Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. 

The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I REACHED OUT TO THE COMPANY AND THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THE BALANCES DO MNOT MATCH THE DATES DO NOT MATCH THE AMOUNT DUE IS INCORRECT AND THIS IS HARMING MY CREDIT SCORE TREMNDOUSLY I HAVE BEEN GOING BACK AND FORTH WITH THE COMPANY AND NO RESPONSE FOR OVER 7 MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Bank is falsely accusing people of XXXX of fraud to keep SBA and other government funds out of the hands of XXXX small business owners and low income communities. The pattern is the same with dozens of people and thats just the ones that are being vocal about it. Capital One froze my account for absolutely no reason, other than me walking into their bank to make a withdrawal from my account. Even after voluntary sending in documents to prove that I was rightfully awarded the Targeted Grant Funds given by the SBA. They still held my account restricted for over a week and each day when I called for an update, their agents would speak to me in ways that were less than demeaning. When they couldnt prove that I acquired the grant fraudulently, they accused me of using the funds in a way that wasnt approved by the SBA in the less than 24 hour span that my funds were released and reported me to the SBA. Never disclosing the transaction in question at all. The only goal for them was to make sure that money wasnt going to reach me. The SBA still hasnt received the money that Capital One claimed to have sent back. The real fraud is being committed by them. They took every dime out of my account on XX/XX/XXXX. The transaction says electronic transfer but it will show up on my statement as a WITHDRAWAL. They claimed that my account would be closed immediately after and it hasnt. Ive made several request for the account to be closed. Instead its still open, at a {$0.00} balance and restricted. Capital One Bank needs to be audited from top to bottom because clearly something is going on that is illegal, unethical and XXXX motivated. The screen shots that Im including are from a forum of people talking about their experiences with Capital One. I dont know any of these individuals but amazingly we all had something very obvious in common. I wasnt completely convinced until I spoke with a old coworker who has been with Capital One for over 15 years ( Still as a teller ). She told me Please stay persistent in this fight. She is seeing exactly what Im saying daily and it sickens her but she needs her job. All you have to do is put into your XXXX search bar Capital One Froze My Account Because of SBA Funds and its so many of US its beyond obvious whats happening here. Way too many to count. There was also a segment on my local news about them doing this very thing to a XXXX Man who was a small business owner. Of course due to the media attention, they quickly released his account after the news interview aired. The Consumer Finance Bureau says that its here to protect the consumers, well we need protection and answers for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am in the COVID-19 Cares act forebearance program. I have tried 40 times to speak with someone at XXXX  about resuming payments. Can never speak to someone, only get answering machines. They have 5000 consumer financial protection other complaints about the exact same thing. I am working now and want to continue my payments, and pay the balance when I sell or refinance, XXXX  is not helping at all, and cant even speak with anyone. I WANT TO RESTART PAYMENTS. I NEED TO SPEAK WITH A HUMAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I recently opened up a Wells Fargo account due to me closing my account with XXXX XXXX XXXX. I took my cashier check to Wells Fargo branch and asked them would it clear soon because Im moving, they said yes! Now there saying its a hold until XX/XX/XXXX I told them my account was new and would have never deposited the check had I knew that was going to happen! Im upset because I have no funds to cover my fees for moving!

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 2021-05-31 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: TX

Complaint narrative:
Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MN

Complaint narrative:
in XXXX. 2018, I returned both phones to sender within 60 days return dates of purchase. When phones were returned and mailed to their warehouse. account ending in 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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NC

Complaint narrative:
Last year in XXXX of XXXX I disputed an account with Experian that was reporting a late/missed payment on my credit report. The company reporting this is XXXX. I also called XXXX and spoke to them. They apologized and said they would fix it. The issue is that in XXXX I filed bankruptcy and XXXX was one of my creditors. The Fair Credit Reporting Act says that creditors cant report negative information after bankruptcy such as missed or late payments but they have been ever since I filed. XXXX just reported this late/missed payment in XXXX or XXXX of XXXX. 5 years after my bankruptcy was discharged. This is against the law. So when I called XXXX they said they would fix it and they did. The next month my score jumped up XXXX points and the late/missed payment was gone. But then the following month it was back and my score dropped again. I called them again and disputed it with Experian. But they came back and said it was correct and didnt fix it. I called Experian and they claim that its correct. I explained the law to them but yet they argued with me and said just because I file bankruptcy doesnt mean XXXX cant report this. Since then, Ive disputed this numerous times. Now Experian wont allow me to dispute it any longer and its still reporting negatively on my credit report. This is against the law. The FCRA plainly says they cant do this. How does a credit bureau not know this ... please 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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I sent written correspondence to Transunion regarding an inaccurate bankruptcy listed on my Transunion credit report. I called to find out that the information was verified as accurate. I requested the method of verification and it was not supplied, resulting in the second dispute letter being sent. The information in the credit file regarding the bankruptcy I do not recognize and was not shared by me. The reporting of this item is unauthorized and resulted in my social security number being used fraudulently by Transunion. It has prevented me from obtaining credit, employment, and housing. 

Transunion has failed to properly investigate and respond as per FCRA requirements. Therefore, Transunion has to cease reporting this item.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX OF XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX PART - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax DEPT OF ED - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
They said it would be closed out on the XXXX of XX/XX/XXXX. My monthly payments are not showing. I have this paid off and it needs to be shown as being paid off. So the monthly payments should show monthly from XXXX of XXXX to XX/XX/XXXX when it was paid off. So my account should be paid off. I want this to be reporting correctly to all the credit reporting agencies.

Company response to consumer: Closed with explanation