vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I've had an account with US Bank Reliacard, properly activated the debit card and used for many months. My transaction activity has not changed. On XX/XX/20 I transfered {$1600.00} on line to my XXXX XXXX account which was accepted/confirmed by US Bank Reliacard. The money was removed from my account and never deposited to transferred destination now going on 11 days. On XX/XX/20 I called and told to wait a few more days. On XX/XX/20 I was told the account was deactivated days after the transfer for reasons being the bank experiencing a multitude of fraudulent activity on many accounts. I asked if my account was compromised and told no. But, that my account was deactivated until ID verified. There was no documented or activity reason to deactivate my account and take my money. US Bank never sent email alerts, publications or mail notice of this issue. The bank simply removed my money from my account and deactivated my account after accepting my transfer transaction. The banks representatives could not confirm where my money is currently and why it was not returned to my account and/or transfer completed. I was given a fax number to send my drivers license to confirm my identity which the bank will take an additional week to process then return my money to my account after that process. I verified and confirmed with US Bank Reliacard my most recent transactions, address and phone number as ID verification. I informed them of the hardship they are causing me by deactivating my account, taking my money and not notifying me. I have to feed my family and pay bills, it is a struggle during the Covid-19 pandemic and they are making this a more difficult situation. The 2 fax numbers I was given to send my drivers license fail, disconnect or constantly busy, I can't get through. There is no US Bank in the state of PA to travel to and resolve. The representatives do not connect me to a supervisor/manager. My calls with the representatives are constantly disconnected after a call wait time of 1 hour. There is no ground reason to deactivate my account and take my money from it also with-out alert. I called the bank multiple times XX/XX/20 @ XXXX and XX/XX/20 @ XXXX, XXXX, XXXX and twice more. Please assist me with this matter. I most appriciate it. Thank 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 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have several cashback offers applied to 3 of my Amex cards, all of a sudden this week American Express is having issues properly credited my account for what is owed. Concurrently, there is one particular offer for a XXXX XXXX they are claiming I made too late. The offer expired on XX/XX/XXXX. I made the purchase on XX/XX/XXXX, well before the expiration of the offer. XXXX hit my card and it appeared as pending on that date, then the charge disappeared from my account, then reappeared on XXXX, a full 5 days AFTER I received the order. This is a gimmick and game being played to avoid paying the commission. I am owed 10 % of that purchase. I followed the rules. Additionally, there are 3 other cashback offers that Amex all of a sudden is having issues with properly crediting

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
There were 2 charges made on my credit card. One occurred on XX/XX/2020 and the other XX/XX/2020. The respective amounts being {$1400.00} and {$1000.00}. Once I reviewed my XXXX Statement I immediately notified chase bank on XX/XX/2020 ; well within the 60 day time period. I also contacted the company " XXXX '' but was unable to reach a live person at the phone number provided. I have never provided this company any documentation or authorization to make a purchase. I still do not know what was purchased. My first dispute filed with Chase resulted in a decision that the charges were valid. They offered up no information other than the reporting of the unauthorized charges should have been made quicker? I never lost my credit card so I had no urgency to close my account. It was only after review of my statement that I noticed the charges and reported them immediately. I asked for further review of these charges and Chase again is holding them valid and as of today has provided little in terms of supporting documentation that these are valid charges. It appears that XXXX XXXX is a KYC mandated company and I never provided anything to them so I am shocked at Chase 's decision. All activity was done online as well and I was the victim of a keylogger trojan virus that I found out about after at a later date. In closing I have been with Chase a long time. I pay my bills on time and have had little issues in the past. This is a surprise to me and at least I want to see the supporting documentation that Chase has in this matter. I remain wholly unsatisfied with the decision. Best Regards. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: MI

Complaint narrative:
I was sent a PayPal.com/prepaid secure credit card. I attempted to activate card but it was denied as I previously had a Netspend card with legitimate unauthorized charges which I reported to Netspend but they have not reimbursed me,

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 2020-09-11 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. These creditors did not have permissible purpose to pull my credit and I would like an investigation into the following : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX via XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/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 2020-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My loan with TD Auto Finance has been set to AutoPay since it began. However, they have told me that in XXXX the autopay was stopped. There was no explanation given, but that is false because I was enrolled in it in XXXX and XXXX, as evidenced by the attached email confirmations. Due to TD Auto Finance 's malfunction, the payment did not process properly and was marked as late. When I was made aware of this, I worked with the TD Auto Finance IT team and confirmed that the error was on their backend because it was not saving account information correctly, and we were able to replicate it several times. In the attached screenshot it shows the exact issue in their AutoPay system where the bank account info what is entered in Step 1, and then confirmed in Step 2, is NOT what is actually saved in Step 3.

While they waived the fee, they have not reported correctly to the credit bureaus that the payment was never late. As a result, my credit score dropped 100 points form ONLY this! ( there were no other changes ). This is a violation of the FCRA because it is not accurately reporting the payment history of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
This is what happened recently dated XX/XX/2020 and About to Travel XX/XX/XXXX to XXXX California ..I am a military who is about to do a final military travel move back home. 

Every time a military move there is a travel pay money given by the military DFAS to help the family movement allowance to another state ..

So to make the story short ..DFAS deposited my travel allowance into my old navy federal account that I never use for 4 years..I have a credit card with navy federal.. In order to pay all my credit cards and other debt I went into a program debt consolidation -National Debt Relief Program ... Navy federal credit cards are enrolled in that program ..Since I went into that program navy federal freeze me using my account but it is open account ..I tried closing but they said cant do it coz I still have a debt to pay with them ..I can only close my account when everything paid off.

Navy Federal applied that deposited money to pay some of my credit card as a charge for not paying them ..They know already I was enrolled into a debt consolidation -National Debt Relief Program .They just touch that travel money with out informing me or any acknowledgement from them like hey there is a money deposited by dfas to us bla bla bla!!!

So when I learned that dfas deposited my travel money with the amount XXXX to my old account navy federal bank and its been deposited for a couple of weeks ..I contacted navy federal..

I talked to one of customer service team and said I cant get that money back and that money was use to charge against my credit card.. 

So is there a way I can still get that money back because that money is for family travel allowance not for a credit card.. 

v/r jg

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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:
NO RESPONSE OR COMPLIANCE FROM EQUIFAX LLC, OR XXXX SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. ( They should delete these items from my credit report. ) I filed a dispute with EQUIFAX LLC, and XXXX on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on Equifax LLC & XXXX listed below : 1. XXXX XXXX  XXXX Unverified Account 2. XXXX XXXXXXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : Us Sm Bus Admin Oda - Inquiry Date : XXXX XXXX. Creditor : XXXX XXXX XXXX  - XXXX XXXX : XXXX. 

Name of Equifax negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XXXX - 3. Creditor : XXXX XXXX XXXX - Inquiry Date : XXXX. 

I advised Equifax LLC and XXXX  that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised Equifax LLC and XXXX  that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
Caller asked for a family member that does not live at my address or use my number for any purposes. Caller stated that I was listed as a reference, so I initially thought it was for a job interview or something similar. When I tried to inquire further about the reason for the call, caller became evasive and stated that the purpose of the call was private and the target person had not authorized revealing the purpose of the call. I then asked the name of the company and the caller was again evasive but stated that the name of the company was XXXX XXXX XXXX or something like that. The caller then began inquiring about the target person 's phone number and I stated I do not give out personal information to strangers but the caller kept insisting and then stated the number, to which the caller replied that he was not able to contact the target person. Caller then began inquiring about other family members and I stated I would not give any other numbers out and the call ended. I then did some research about this company and I found out they were a debt collector. Based on what was stated and the personal information the caller was inquiring about, I realized that they were likely inquiring about issues that are over 10+ years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I financed a vehicle through XXXX XXXX XXXX in XXXX. I was on autopay for the entire 5 year loan. I have credit monitoring and noticed I had a 30 day late so I called the company. They explained that contractually I agreed to make the final payment not using autopay and that is why the last payment was not taken out. I asked them why they didnt send me a notice or give me a call as a reminder as I have paid on time the entire contract. The rep did not have an answer for this question. I asked him if he would remove the delinquency based on my situation and he agreed to do that and I made the final payment. 

This was back in XXXX or XXXX of XXXX and I checked a couple months later and it still was showing on my credit report. I called XXXX XXXX  and talked with a rep who said that the 30 day delinquency was valid b/c I contractually agreed to it. I went through the same story I did with the prior rep and she said that a request to remove the delinquency was never submitted and that I would need to do this through the formal dispute process. 

This is extremely frustrating given I paid a five year loan on time, through auto pay and had a XXXX  representative confirm he would remove the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: KY

Complaint narrative:
I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Experian has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter 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 2020-09-11 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: DE

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of 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
Consumer complaint received 2020-09-11 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: KY

Complaint narrative:
I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I payed off a collections company national credit adjusters but they never took off the balance or the derogatory mark I paid it In full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The present complaint is to report to CHASE BANK for violating the consumer financial protection law so me. On XX/XX/2020, I was the victim of an online scam, in XXXX {$22000.00} for the purchase of a truck with the money received from the XXXX loan. The announcement of the alleged seller was XXXX I contacted the saleswoman named XXXX XXXX to make the truck purchase deal. She informed me that the transaction would have to be made through the company HQ secure logistics. This company sent me your bank information to make a wire transfer which made it on XX/XX/2020 during the morning for a total of XXXX. That morning I got a call from Chase bank in English which I didn't understand much and didn't hear well. I only understood if I had made a transaction and told him that if when I finish the call I decide to call Chase bank to give have the transaction since I began to suspect that I was being scamming. This all took less than an hour. Chase Bank didn't help me get my money back. I'm telling you that I suspect a scam will cancel the transaction which was still pending and refund my money, which they didn't do. They didn't protect my money, they didn't cancel the transaction when I asked for them the same day. 
Every day I call Chase Bank. I'm waiting hours on the phone to help me get the money back which was stolen from me through a scam. I went in person to Chase 's bank in XXXX XXXX and only got a claim number JPM XXXX XXXX. Make a complaint with XXXX XXXX police to report the theft by scam the complaint number is XXXX and the officer in charge is XXXX. This whole situation has me very XXXX XXXX XXXX  and with XXXX. I haven't been able to work because of this situation in 11 days. I got that money for a loan.

Company response to consumer: Closed with monetary relief