vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one closed both my Checking and Savings accounts without giving me a reason, without my approval, or notification. They then mailed out 2 checks, one for each account. I received the check for the funds from my checking account, but never recieved the check with the funds from savings. Their customer service department can not speak to the departments responsible or allow me to speak with them. They send requests that get no response and there is no escalation procedure for this. They owe me over {$7000.00}. 
and this has become a financial hardship for me and my family. The case # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
Mortgage Company : Better.com ( Better Mortgage Corporation ) I was told that I could shop for my own Title Company but then when I asked to use someone of my choice, I was told I would have to pay them a fee.

Now they are having me use their preferred Title Company who is charging way more than the Florida statutory rate for title insurance. Earlier in the process they also misrepresented the amount of lender credits I would get when switched loan amounts ( I was told the amount in the original loan estimate would transfer but then only some of them did and they refused to change it, but it was only like {$100.00} so I let it slide ). 

I've had multiple back and formats with them about both of these. 

The most concerning is the title insurance one, as it may be around {$700.00} difference. I was told ~3 weeks ago that I would have the option to select a title company at closing. When I spoke with their Closing Expert on XX/XX/XXXX, I was told it was too late to switch title companies. Upon me insisting, I was told I could only use a different title service company if I paid Better a fee to extend my mortgage period, and that Better had already started the process with their title company who I had not selected. 

I've tried to have them do something about this but they keep plowing ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted the debt collection agency in an attempt to settle a debt. We came to an agreement that once the amount was paid and posted the company would delete the Tradelines from my credit report on all credit reporting platforms. My bank account shows this account was satisfied on XX/XX/202, I just pulled my credit report on the above mentions were still being reported on my credit report, however it states that the account were paid in full for less than full amount. They took the money immediately and took 2 weeks to send a notice that they received the money. So they took the money but forgot to delete the Tradelines as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have tried to report fraud which turned into a dispute with Capital One for some time. On XX/XX/2021 I purchased what I thought were airline tickets through a travel agency called XXXXXXXX XXXX which in turn charged my card but purchased airline tickets with a fraudulent credit card. I later was notified that my airline tickets were canceled because they were reported as fraud. I looked on the cancellation and realized they were purchased on a MasterCard. I do not own a Master Card. I provided Capital One with all the proof and they are stating they need a terms and conditions letter. What I have is an email that states no cancellations or refunds. Capital One is saying they need this document but it is all I have and it's enough. I never cancelled the trip, the owner of the fraudulent card cancelled the trip. Capital One is refusing to give back my charge even with all of the documents I do have which are itinerary confirmation from XXXXXXXX XXXX with missing info and as well as the cancellation of the flight with the mastercard of the unknown per on involved who cancelled the flight charge on their stolen card. Please assist me in any way. I am being charged but never received tickets. This company XXXX XXXX also did this to my brother who also owns a capital One Card but Capital One card who actually received his charge credited to his account. We have police reports against this company and an ongoing investigation and I have given Capital One the report as well. Attached are all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
on XX/XX/2021 I made a ATM Deposit at the NAVY FEDERAL CREDIT UNION {$440.00} into my checking account ... ..NAVY FEDERAL CREDIT UNION STOLE my cash deposit and placed it on a credit card DURING THIS PANDEMIC!! I do not have money at the moment to pay for that card ... I NEED MY MONEY TO LIVE during these hard economic times .... I feel it was disgraceful to take money from anyone during these rough times..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: FL

Complaint narrative:
As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted claim # XXXX in the amount of {$510.00} for a purchase made on XX/XX/XXXX for a hotel stay in XXXX that was scheduled for XXXX of XXXX. Due to the unforseen global pandemic XXXX has shut its borders and we are unable to travel to the country. I've reached out to the merchant countless times regarding a refund and have been unsuccessful. Chase has closed my claim and sent me a letter that says the transaction was processed correctly or was authorized. I called Chase claims department for further explanation as the letter states and was told that the claim is outside of the 120 day window. However, they are making exceptions for claims related to covid-19. I ironically received this response after submitting a previous claim with the CFPB in regard to Chase closing my account without notice. After receiving a response from the bank claiming they can close accounts at their discretion I received this letter claiming the cahrge was authorized. Yes, I authorized the charge I expected to travel to XXXX but I did not expect a global pandemic and for the country to close its borders and keep them closed. I would like to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: VA

Complaint narrative:
XXXX incorrectly reported a 30-days late payment on a credit card balance of about {$10.00} in XX/XX/XXXX. XXXX recorded this incorrect information and I discovered this some months later and disputed it. XXXX told me I had to pay {$4.00} a month for credit monitoring in order to get any information corrected, then go to XXXX to resolve the issue. I opened a dispute with XXXX and they found in my favor in a letter dated XX/XX/XXXX. XXXX then reported this to Experian, and I also sent the letter from XXXX finding in my favor to XXXX XXXX then closed the dispute with the incorrect information still in there and continues to bill for their " credit protection '' with a strong implication that more severe negative mistakes will show up on my credit report if I do not. This has already likely cost me a higher interest rate on a mortgage refinance. Equifax corrected the bad information already without even asking for payment. XXXX is still working on it but hasn't ever asked for payment in exchange for accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi I am a victim of Identity theft and when going over my credit reports from all 3 credit bureaus I dont see the complete account number listed,? There shoukd not be XXXX at the end. I need to see the complete acct number.

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 2021-04-09 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XX/XX/XXXX This call took place at around noon, XX/XX/XXXX I had noticed that there were some unusual activities on my credit report. I called Midland Funding to find out why I had 3 chargeoff that were not there before. After a few rings, I was greeted with hello my name is and I am debt collection agent. I had asked numerous times as to his full name without any luck. He kept interrupting me and saying I owed this much and I have to pay in full or payment. I was told to make payments of XXXX dollars a month until the debt was paid off. I ask if he could explain how it got on my name. he did not explain. All he said was its under my name. I either had pay or the collection will stay on for 7 years. He added that if I want the calls to me to stop I had to agree to pay. I said dont i have the right to ask about the collections and how it came about. He said, dont you know the law if you dont pay. You job and wages will be garnished. He ended the call by saying call us back when you have funds to pay.

All 3 collection companies below to one entity.

Midland Credit management Midland Funding Midland Funding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 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:
Hi, I have an issue with the most hated service globally which is Paypal, they have closed my account for no reason they have asked me for My ID I provided it to them but guess what, they have refused my identity like I am nothing and closed my account stopping my business indefinitely. I have tried to call them and text as well but I couldn't get to them. 

I am filling a report in here because I believe they are not doing their business properly and it is really effecting my life now specially in these hard days. 

please help me out, this is my email attached to my paypal : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
XX/XX/XXXX - Mailed 2 money orders XXXX - XXXX XXXX - {$300.00} XXXX - Cardmember Services - {$300.00} XX/XX/XXXX - Found out both had been stolen & cashed. 
XX/XX/XXXX - Mailed complaint to Western Union along with a check for {$30.00}. 
Requested Copies - Never Received - Called & they emailed them the next day, I called them & told them it was fraud, Western Union said they would mail me fraud claim forms, which they could not email. 
XX/XX/XXXX - was told the forms had been mailed on XX/XX/XXXX. 
Today is XX/XX/XXXX - I still have not received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I am a victim of Identity theft and when going over my credit reports from all 3 credit bureaus I dont see the complete account number listed,? There shoukd not be XXXX at the end. I need to see the complete acct number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
I had a total loss on a vehicle in XX/XX/2021. Payment in full was made XX/XX/2021. Negative reporting noticed on my credit report on XX/XX/2021. Started making calls to inquire. Check never received by BBVA. Stop placement was done on check by insurance agency. A new check was issued. Check from XXXX was then found and cashed and obviously had been stopped after a 2 month time frame and report of never receiving by BBVA. They deny receiving new payment as to date. I have spoke with at least 10 people with BBVA to get this situation resolved. I do have names and a ticket number. I also, have 2 emails now to XXXX without any return communication. I requested to speak to someone to get a physical address. The insurance agency has agreed to send the check certified mail so that it may be tracked, considering the issue with getting payment to them. My biggest concern is the impact it is having on my credit score. I just sold my home and will need to purchase another and now have this delinquency that is not actually mine. I need help getting this payment processed and the negative reporting removed from my credit report. I am unable to get to anyone to help me after countless hours on the phone. ANY ASSISTANCE IS GREATLY APPRECIATED AS I'M GETTING NO WHERE TRYING CALL OR EMAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX  employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

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 2021-04-09 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: SC

Complaint narrative:
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING 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 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
My mortgage company, Guaranteed Rate, has managed to mis-step every aspect of this loan. I submitted a complaint earlier this year as they were taking my monthly payments yet not allocating them to my account and subsequently sending me default notices. Thanks to your help that issue was fixed. However, despite them now allocating my monthly payments which include P, I, Insurance, and Property Taxes, they have managed to include the wrong tax info on my account. As a result they have not paid my taxes for two quarters ( so I am once again in default for this mistakes ) and they have been sending my escrow money to pay someone else 's property taxes. I have reached out for assistance in fixing this problem and have had no luck. And, they have now sent out another incorrect payment and missed another quarter 's taxes despite me reaching out and notifying them ( including sending them the latest XXXX of XXXX tax invoice showing all the details ). 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: AR

Complaint narrative:
I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation