vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been dealing with inaccurate information on my credit since XX/XX/XXXX. To this date XX/XX/XXXX there still remains inaccurate items on my report. I have attempted to resolve this issue but to no avail. I have done research with the FCRA and these companies seem not to take the law into concern. I feel like Im being taken advantage of, I have enclosed a copy of my most recent letter.

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 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I filed a complaint against TransUnion and XXXX  concerning the inaccurate reporting of XXXX This account was sold to XXXX XXXX XXXX. XXXX and all associates have requested this account be removed from all credit bureaus. XXXX has failed to response to my dispute. I have not received a response yet. I feel like I am 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 45 days gives a reason to immediately remove those items from my credit reports. It has been over 90 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach  and may have got into the hands of the wrong person.

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 2021-02-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/2019, DISCOVER FINANCIAL SER  Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 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: TRUSTMARK CORPORATION
State: OH

Complaint narrative:
The home associated with the mortgage from Trustmark was sold and paid on XX/XX/2020. I have tried to update this 4 times with XXXX, and the lender. 
This has harmed my chance at a mortgage.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, Wells Fargo all of sudden closed my two personal credit cards ( ending with XXXX and XXXX ) and forfeited all reward cash and points I have earned for last 6 years. The total amount of cash back and points were worth about {$2000.00}. 
I have contacted their customer service several times and they had no clue what happened and didn't provide any helpful solution.

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 2021-02-18 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
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX I received a email from PayPal stating I can no longer use PayPal. Without any explanation of why and I have a balance on my PayPal account that I can not get access to. 
I have been a customer of PayPal for almost 3 years. I have never had a problem with my account. So for me to wake up to a limited account is very disturbing. My account has been limited due to suspicion.I have documents to show that its legit and funds sent to the PayPal owner is legal. My funds are now on hold.I am highly disappointed. I provided proof of payment and identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX of XXXX, the amount of XXXX dollars in the Wells Fargo bank became missing out of my account. So a couple of months earlier was on my way out of the bank one day and the bank manager came out of her office an said that she need to change the withdrawal fee for my ATM card ... Never thinking anything about .... went into the office took care of it an I was on my way out ... later i keep noticing that my funds wasn't they should have been ... so over the last couple of years i tried solving it myself. But nothing, but just this pass year XXXX, I notice i could get into my account the bank sent me a message to go paperless and i could get into my account that way ... So when i finally did get into my account where it was showing that the XXXX was showing it was taken out my account page was change with another account that i own the bank ... so as i continue to check the account it was maybe the end of XXXX or XXXX they Bank remove all the information and replace pieces of my account with a joint account an a line of credit account ... And they just did all these changes this past year like they was trying to cover up something ... I deposited XXXX into the this account an with them taking the XXXX out they have it as though i only put XXXX they have change a lot on my account ... each account has different windows to open them their showing all these accounts on mine ... Another thing when i try to signing on to my bank account with phone it states that the user has not granted this App permission to store this file .... never had this problem before cause my phone works just like a tablet ... I really need your help .... Thanks

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 2021-02-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The home associated with the mortgage from XXXX was sold and paid on XX/XX/2020. I have tried to update this 4 times with Experian, and the lender. 
This has harmed my chance at a mortgage.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Conduent Incorporated
State: ND

Complaint narrative:
I received a Go Program VISA Debit card from the state of ND in XXXX or XXXX of XXXX when I started unemployment ( effective XX/XX/XXXX ). Once my claim went through, the card worked fine and I had no issues. I went off unemployment near the end of XXXX, XXXX. 
On XX/XX/XXXX, I went back on unemployment, instead of using the existing Go Program VISA Debit card, I was issued a new card. Now, when I log into my account on the Go Program website ( www.goprogram.com ), I'm not able to see my current balance or make transfers. It appears as though my online account is associated with the old card and there's no apparent way to change it or add the new card. 
I've called Go Program customer service ( XXXX ) three or four times with no results. Each representative I've spoken with does not speak English as a first language and has had a difficult time understanding my problem. When the light bulb finally goes off, they say it's an easy fix and put me on hold. After holding for what seems eternity, they come back and say that they can not fix the problem but that someone who can will call me back within 48 hours to a week. I've never received a call back. This is the worst customer service I have ever experienced and is unacceptable. 
Please look into this issue so that others after me do not have to suffer through a similar experience. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The end of XXXX beginning of XXXX I did not recognize a transaction on my 5/3 XXXX prepaid card to where my XXXX dollars was transferred from my checking to my card I called XXXX as I was on my way to the bank the young lady I was speaking with decided to place a fraud alerts on my card which intern blocked me from retrieving my money by the time I made it to the bank I was told that it would take 45  days in order for me to receive my money I have waited the 45  days which was XX/XX/XXXX and steel as of XX/XX/XXXX I am unable to retrieve my money from XXXX XXXX XXXX  card they continue to give me the run around now Im being told that it can take up to 90  days I have explained from the beginning that I made the transaction by mistake and that I had my XXXX card in my Possession and that I never ask for a fraud alert to be place on my card. I keep getting the runaround from them no one can tell me why I cant retrieve my money from them. Its a Constance different story every time even after trying to resolve this with 5/3 today after being in one of there branch for over an hour no one could explain why they are holding on to my money. I dont wont to wait another day on them to release my funds. I receive updates on my XXXX card on the amount available but it it really not available because they have a hold on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Hello there, Im having a problem with Arvest bank that they charged me unauthorized overdraft fees for transactions that made from my account and been covered. Arvest Bank claimed that even the pending transactions that already covered by available money in my account can be overdraft charged because the last transaction I made, made my account negative. So any previous transaction can be charged overdraft fee even the money was taken from my account and my account was positive ( covered ) all the purchases just because they were pending regardless of all that. I called the bank many times and I talked with many persons like XXXX, XXXX, and XXXX who did not help me at all and did not allow me to dispute these fees or open any fraudulent case. XXXX claimed that the bank doesnt have fraudulent department, and I was shocked because what I knew most if not all the banks in U.S. are under FDIC. But I understand of them they dont want to help even after I made everything clear that its the bank mistake and doesnt make any sense to be charged for transactions that I already paid money for them and my account was in good standing ( positive ). So Im seeking help from 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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I filed an application for a mortgage refinance with Pentagon Federal credit Union, XXXX Virginia, ( dba : penfed.org ) in XXXX of XXXX. Have is applying all the required documents and completing the appraisal process I was told in XXXX that my refinance application would go underwriting and I would hear back from him shortly as to the closing date. Since XXXX, I have repeatedly e-mailed the messages requesting status of my loan and as of XX/XX/XXXX I have yet to have anyone respond to me including the mortgage processors. 
I have been sending the following e-mail message : " Can someone please tell me -- WHAT IS THE STATUS OF MY LOANLoan # XXXX? '' Additionally, I have tried to contact them by phone on numerous occasions into a convoluted prompting system I am continued referred back to a third-party member services is of no help or assistance in this matter whatsoever which only aggravates the frustration. 

Therefore, I am seeking your assistance in having this member organization simply provide me with a response regarding the status of my loan application. Otherwise, I will have to start a new refinance mortgage with a more reputable and response financial institution, thus losing all the money that I currently invested in this application. 

XXXX XXXX, Memberof Pentagon Federal Credit Union

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 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I set up automatic payments with the Kohls third party collections company XXXX XXXX. My payments were never processed and without my knowledge Kohls was said to have called my account back. Once I realized my payments werent being debited I called XXXX and they told me I had to call kohls ( XXXX when I realized ) and that XXXX  could not take my payments. I called kohls and they told me that my account was with XXXX  and I needed to call them and kohls could not take my payment either. This has gone on since XXXX and when I set up those payments my account was estimated at me owing XXXX or so. My account now shows that I owe nearly XXXX. All I have been wanting to do is pay my balance As it was when I made my last payment in XXXX. Kohls will not remove any late fees etc and not sure what to do. I am in credit counseling and trying to pay all my debt and this one account has tanked my credit score. I have XXXX children and thank God my husband. However, we do not have a ton of money or I wouldnt be in this position. Thank you for any assistance or guidance I can get

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
My loans are held with University Accounting Service LLC and were serviced through the XXXX  XXXX XXXX XXXX XXXX XXXX. I graduated XXXX in XX/XX/2020 and my payments were scheduled to go to the full principal out-of-school amount in XX/XX/2020, but I am in XXXX  school now and confirmed with them I could continue making interest-only payments ( the in-school mode ) until I graduated XXXX  school. I sent them my enrollment verification on XX/XX/XXXX and receipt was confirmed XX/XX/XXXX. When what was the grace period if I had still been out of school was up they started charging me the full principal amount. I have called four times and they won't fix it. 

I called in XXXX and asked them to fix it and they told me to wait 10-15 days and the change was effect. 

I called on XX/XX/XXXX asking them to fix it and they confirmed my status was " in school '' and to wait 10-15 days to fix it. 

I called on XX/XX/XXXX ( as the change has still not taken effect ) and they gave me the same answer, and she told me she would rush the change so it would take effect before my XXXX payments came out. 

I called on XXXX XXXX after a full principal payment had come out and he said wait 10-15 days and it would be fixed. 

It is XX/XX/XXXX and the full principal amount is scheduled to come out of my account in XXXX. 

My usual in-school interest only payment amount is an average of {$410.00} dollars. I was charged {$930.00} in XXXX, {$1200.00} in XXXX, and {$930.00} in XXXX. 

Last year I had an issue with them where they had not connected a new loan I took out for school to my account so I was charged interest and default charges and had a late payment on my credit report even though the loan was not on my account. They fixed it and the charge cleared off my credit report but I was still charged excess interest for the period I did not have the ability to pay the loan because it was not connected to my account. So this is the second major issue I'm having with them and don't know how else to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: OK

Complaint narrative:
Flagship credit has called me between 4 and 11 time a day, uses harassing verbage and scare tactics. They have threatens to repossess my vehicle the day after a payment was made and today refused a partial payment because they placed me in 'recovery ' which, according to flagship, they will ask my neighbors about when I come and go, if they've seen the vehicle ( gated community that is zoned as private property so per OKC zoning it is illigal to solicit or trespass ), will show up at my work and ask my supervisor where I am and will wait at my kids school for my wife to show up and tow the vehicle. Their threats are bothersome and I have been written up at work for my phone going off repeatedly. I have a special needs child so I have to check my phone when it rings. Flagship has been informed of my disciplinary action because of their harassment and lack of decency. Yes, I am behind on my payments due to covid-19 and am doing everything possible to get caught up but that doesn't give them permission to treat me like this.

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 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Paid this account and was told I would receive a letter showing that it is paid and cleared and have been getting the run around on receiving the letter. This account is paid and I need letter verifying this account is paid and settled.Paid this account on XX/XX/XXXX, was told I would have a letter XX/XX/XXXX, now being told it will be XX/XX/XXXX and can only receive it in the mail, not by email. You have been paid, send the letter that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: GA

Complaint narrative:
I have several unauthorized/ unverifiable hard inquiries that Ive been disputing since they appeared on my account. Some have been reported to my XXXX  as well. With documentation they have been removed. Ive went through every single channel and outlet and equifax is making it impossible to remove these inaccurate information. Ive contacted each and every single creditor to these account and they havent and been unable to verify these inaccuracy. My credit rights are being violated and Im making a formal complaint. 

These are the hard inquiry that needs to be removed immediately because its making it hard for me to obtain anything credit related XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
When checking my credit score in early XX/XX/XXXX I became aware that since XX/XX/XXXX a {$160.00} debt in my name had been in collection by IC System, on behalf of XXXX XXXX. I had not received any written notification of this debt collection at my current address, where I have lived for 3.5 years. 

I disputed the collection on my credit report, since it seemed to be a mistake. But when XXXX refused to dismiss the collection from my credit score, I contacted IC System today ( XXXX XXXX, XXXX ). IC System confirmed that this amount in collection is a small outstanding cable bill from my previous residence, where I have not lived since XX/XX/XXXX. Obviously I would have paid this amount if it was fairly owed and I was made aware of it. My mail was forwarded for 12 months after my move, and this is the first I have heard of a debt from XXXX XXXX. Unfortunately the damage to my credit will cost me much more than the disputed amount. 

Despite my current address being publicly available, XXXX XXXX and IC System made no attempt to contact me about the collection at my current address. Thus, for four months, I was completely unaware of the collection attempt and the negative affect it has had on my credit score. 

Surely, a debt collection agency should be required to contact individuals at their current address when it has been publicly available for many years. It should not be the responsibility of the consumer to do their work for them, and accept demerits to their credit scores in the process. 

Thank you for your help investigating this issue.

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