vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a XXXX loan and I am a sole proprietor I have a checking account with US Bank and on XX/XX/XXXX my account had a hold placed on it it first I didnt Panic because I understand processes but my account still have a hold the money is just sitting there Ive called the customer service number no direct answers Ive went into branches talked with branch XXXX  still no solid answers I keep being told all this general information but I was told it a particular person who have the hold on my account but she dont deal with customers directly but its been over 30 business days and if they are investigating or anything it should have been done by now but yet my money just sit there and when I ask for a time they tell me it could take months I spoke to them asking them to just send the money back and we restart the process they said it could take months to send back a ACH which I dont understand why and no one is helping me understand or giving me a clear answer at this point I just want this to be over with cuz its been to long and Ive done all I can do and I just need to know if there is regulations as to how long the hold can be there whats the next steps and move on but I feel like Im being discriminated against please help I also showed them the paperwork work they told me that wasnt my signature while I was in the bank dealing with a branch XXXX I went onto the website and got the information or paperwork to present I was told it had two different fonts

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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX  cancelled my account after 7 years of doing business with them. Tried contacting with no way to speak with someone to try to reactivate my account. They did give a warning but ended up cancelling before I could read the alleged terms of service warning in my email. 

XXXX XXXX, We're sorry to inform you that we are deactivating your account. We reviewed your account and found transaction types prohibited by Section 35 of the Payment Terms. 
We regret that, starting today, you will no longer be able to process transactions using Square. 
Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to 180 days XXXX but no less than 90 days XXXX, unless circumstances require that we extend this reserve period. If you do not want us to reserve your funds, you may refund the payment back to the cardholder account. 
We appreciate your having chosen Square and apologize for any inconvenience this may cause. 
Sincerely, Square Compliance Team This is a non-commercial message sent to you by Square , Inc. 
Email preferences : Please note that you may receive non-commercial email in accordance with your Square XXXX Agreement, whether or not you elect to receive promotional email. 
FAQ : If you have any questions about Square, please see our help center at : https : XXXX XXXX XXXX XXXX  : Keeping your personal information secure is one of our most important responsibilities. For an explanation of how Square protects your personal information, please visit the Square website to read our Privacy Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been calling Capital One for over a year to get assistance with this credit cards APR it's astronomically high they are literally charging over {$2000.00} a month just in finance charges! I was a XXXX XXXX that was impacted by COVID-19 the business is now dissolved and I am not even able to make my mortgage payment. This is unfair practices to not even offer assistance I have spoken to supervisors and everyone and NO ONE will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I never signed or dealt with XXXX  XXXX. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, Transunion is reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureau multiple times to review this account however, I have not been successful.

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 2021-04-07 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: CBC Companies, Inc.
State: TX

Complaint narrative:
FCRA violations : not mine Also known as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TX

Complaint narrative:
FCRA violations : not mine Also known as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90-120 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, XXXX  ; Experian and XXXX  are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
This has been disputed since day one. I know that they made false claims to try and receive money for an amount not owed. I have never received a bill or anything else showing why it is owed. I have asked many times to see original bill but never provide one. Ask many times to take to court but they will not because it is not a legit bill. XXXX  has removed it but XXXX  will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Had a new tenant pay me {$1400.00} through Zelle to put a security deposit on a lease on XX/XX/2021. Got a notification from XXXX XXXX XXXX  that the transaction had failed. The new tenant stated that her account is with XXXX  XXXX XXXX and that her bank is telling her that they had withdrawn {$1400.00} from her account to pay via Zelle. Zelle does not have a customer service department to call to find out why the payment has been declined. Since the Tenant is trying to fund a contract and it is not funded it will void her lease agreement. Her scheduled move-in date is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
THE BALANCE WAS PAID OFF AT AN AGREED AMOUNT AND AGREEMENT IT WOULD BE REMOVED FROM MY CREDIT REPORT PER XXXX XXXX AND XXXX XXXX WITH 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 2021-04-07 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I reached out to the company to see if I can apply for the forbearance plan. They told me that I have 2 send my 2 most recent pay stubs and my bank statements. I ask them why I need it to do all that when I have friends and family members where they helped them without any hassle. I have a second mortgage and they did help me twice without the need of my pay stubs or bank statements. They send me a copy with pictures of my home and houses around the area of what they are worth. I called them and asked them what this was about and I felt like I did not get a correct answer. I feel like that's kind off creepy and weird of them doing that. I feel like they are trying to intimidate me on foreclosuring my house. I have reached out to my case XXXX and have not heard from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, I established banking relationship with TD bank in XXXX XXXX, FL ( branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). I opened a checking account type 'TD Beyond Checking ' and enrolled in the cash bonus reward promotion program. The program has no promo code required at the time of the opening, I simply research this program on TD bank website and see which option is fit to my financial situation. The individual banker who opened named XXXX XXXX, position Customer Service Representative, XXXX ID # XXXX confirmed that the account was opened and enrolled in the this particular cash bonus promotion. 
This promotion requirements are : 1. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 
2. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. 
XXXX. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. 
XXXX. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. 

On XXXX XX/XX/XXXX, I made a first direct deposit of {$1300.00} into the account. 

On XXXX XX/XX/XXXX, I made a second direct deposit of {$1400.00} into the account. At this point I had {$2800.00} into the account which meet thus first criteria. 

Then, I was expecting the latest earning date of XXXX XX/XX/XXXX for the {$300.00} which is more than 140 days as stated in the criteria. 

However, I did not receive anything after the above date. Thus, I called the bank to see what is problem. The representative sent an email to Marketing and Promotion department for my case. I still did not hear anything back, neither an email nor a phone call from this bank, for my case after almost two months. I called them today and received the answer that My account was not qualified because I did not have a directly specific promotion flyer that was issued in my name and sent to my mailbox at the time opening '. This answer is completely untrue because there is no such criteria as this in the requirements that posted on TD Bank website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
State Farm continues to robocall me about an autoloan my father took out on his own. I am not affiliated with his loan and have asked them to stop calling me. I receive at least one robocall a day from their main number, and 1-2 robocalls from spoofed numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX RC ( Original Creditor : XXXX XXXX BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I bank with Navy Federal Credit Union, Ive been banking with them since XXXX. Todays date is XX/XX/XXXX. My husband has been receiving his unemployment and veterans benefits since Ive opened the account. I ended up having an outstanding balance of {$500.00} that caused my checking to close but I was on a payment plan to pay it off and Im currently negative {$150.00} now in my checking account. The security team Navy federal has, has bypassed security steps, and have released my husbands funds MORE THAN ONCE, knowing they can see that its in my husbands name and not mine, and have NEVER locked me out of my account. But my sister lost her bank account and asked if she can use mine for her direct deposits and of course I told her yes because Navy Federal has never mentioned anything about my husbands deposits being fraudulent so now that they see an incoming deposit from my sisters deposits, they take these want to be security precaution steps, LOCKS ME OUT OF MY ACCOUNT FOR 3 BUSINESS DAYS, in order to review the letter and IDs submitted by myself, my husband and my little sister. Who is waiting 3 business days for a company that has NEVER FOLLOWED THE CORRECT POLICY because they want an outstanding balance paid off on my checking account. NAVY FEDERAL CREDIT UNION IS A HORRIBLE CREDIT UNION TO BANK WITH! And an agent Specifically name XXXX in Navy federals security specialist department, refused to provide me with her manager, her name and her badge ID # to make an official complaint. She told me shes not allowed to disclose that information with me. When the IRS discloses their badge # s LOL. Navy Federal is WORSE than the IRS. Its like during their training they train them to give their beautiful clients, that bank with them, and not bank with us, THE ABSOLUTE WILDEST RUN AROUND! I would never ever ever bank with Navy federal again!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX, I checked my XXXX XXXXredit report and found collection on report from ENHANCE RECOVERY CO XXXX -- -- -ERC COLLECTION COMPANy for {$71.00} from XXXXable wich is XXXX now in florida XXXX I've been with them for over 10 years and still with them now and my payment is always automaticly withdraw, i call them they said they said i don't have no balance cause it is automaticly withdraw from my bank account. 

I don't know this collection it is not mine and l lost some point of my credit score cause of this please help me with this ERC company, Thant you. 

ERC collection -- XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: MD

Complaint narrative:
I received a copy of my credit report and found the following item XXXX XXXX ) to be missing from my Equifax credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) I have contacted XXXX  XXXX, and they have responded in writing that they do report to Equifax. However, my information is not correctly reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OR

Complaint narrative:
I have documentation from XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX that states XXXX XXXX XXXX XXXX XXXX XXXX sending me a refund in the amount of {$180.00} and since this time, they have sent me to 3 different collection agencies and this reporting is impacting my credit negatively. I do not owe XXXX XXXX XXXX any money and I have been told this numerous times. I don't know what else to do to get them to stop harassing me for {$50.00}, but to report to you. This is currently with a collection agency called Franklin Collection and was reported to my report on XXXX as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
The comenity bank/forever 21 illegally and incorrectly reported that my credit limit was {$35.00} in which it was {$350.00} and made my credit score go down drastically.

Company response to consumer: Closed with explanation