vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.

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 2020-09-15 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One call center representatives and welcome email confirmed that I will receive a {$500.00} reward once I meet all the requirements, but the reward was not distributed as promised and I was told later that I am ineligible for the {$500.00} account opening bonus. 

I opened my account successfully with the promo code " XXXX ''. I received a confirmation email from Capital One bank on XX/XX/2020, which indicates that I will see the bonus in the account within 160 days after account opening as long as I make the required deposit within 10 days. The email did not have any languages indicating my ineligibility for the promotion. During this time period, I called Called One and was confirmed that I would receive the bonus. 

I waited for about a half a year, but the {$500.00} never hit my account. Call center representatives said that it is normal that it takes longer time for the system to process the reward and asked me to wait. After opening a case, I was informed that I was not eligible for the bonus, which contradicts to the communications that I received from Capital One bank in the past. The promotion requires depositors to keep a balance of USD XXXX to receive the {$500.00}. I kept my account balance above USD XXXX for approximately 180 days at the time of writing this complaint. 

I was not able to resolve the issue with local branches in XXXX. Local Capital One banks are turned into cafes. Local bank employees have limited access. Resolving the issue with Capital One bank is difficult and time-consuming. I received no email response after requesting the Capital One bank investigation team to reopen my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
A letter was written to the credit card company on XX/XX/2020. The credit card company acknowledged receipt of the letter but provided no other response or resolution. This complaint is to follow up on that letter and the credit card company 's lack of response and resolution. 

This BJ 's mastercard/credit card account was opened at the end of XX/XX/2020 as a result of in-store customer service prompting along with the advertised rewards for opening an account ( XXXX XXXX ). A  few weeks later, as a result of additional in-store customer service prompting along with additional advertised rewards, the account was upgraded ( XXXX XXXX ). To date, none of the advertised rewards have posted to the account. 

In addition to the above, a bill was recently received on XX/XX/2020 which suggests that the annual BJ 's membership fee that was {$25.00} per year for many years has now increased to {$110.00} per year. There is absolutely no explanation regarding this significant and substantial increase - especially during a pandemic crisis. Further, auto renewals of the BJ 's membership was never authorized. This membership has been in effect for many years and it has never been auto renewed. 

Feeling robbed, ripped off, and bamboozled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Lender : Dovenmuehle Mortgage ( MI ) Payment Amt : ~ {$1000.00} Loan Term : 15-yr Issue 1 : Lender reported 3 Cares Act, 90-day forbearance payments as delinquent to credit bureaus. Since corrected, but has caused lingering credit score issues as I've had to acquire new insurance and look into loan/mortgage refinancing options.

Issue 2 : Unrealistic hold times when calling in. Sometimes as " short '' as 25 minutes, but have had 45+ min wait times. Have also been hung up on several times resulting in waiting 25+ minutes more than once. They also put you back on hold for extended periods if you ask why something will take weeks/months to resolve.

Issue 3 : Phone payment NOT POSTED after being made 2 weeks ago from time of this complaint submission. 

Issue 4 : Online payment ability locked out while waiting for 6 weeks for a LOAN MODIFICATION, with no end in sight. Forced payment by phone for additional fee that has NOT POSTED ( see issue 3 ). I am aware there was a way to pay by mail, but if that wouldn't have posted either, I would have had to cancel the check by this point.

Issue 5 : Can not get a current 10-day payoff statement because of unposted payment. Can not finalize any mortgage refinance without this information being correct or risk the settlement being overpaid to Dovenmuehle ( which can not happen for obvious reasons ).

In summary, I am being held hostage by Dovenmuehle because I  requested a loan modification in lieu of the deferral of the 3 months of payments like they keep trying to push on me via phone, email, letters. They will not give me a timeline on when the modification will be done ( just saying 'We 're very busy because there was a lot of requests ' ).

Update : I'm going to just accept a deferral so I can move on with my life, refinance, and forever sever my relationship with Dovenmuehle. IMO, there's been no reason for any of these actions by Dovenmuehle outside of trying to force people into an undesired outcome. They have made this period of economic uncertainty much worse and significantly more stressful than it needed to be.

NEW ISSUE : After agreeing to deferral, they are telling me it may take WEEKS to resolve and get the paperwork/account updated online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: TX

Complaint narrative:
put fraud alert on Experian 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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute on XX/XX/XXXX with bank of America for a prior transaction that took place XX/XX/XXXX for {$2800.00}. Bank of America guaranteed me that they would resolve it within 90 days immediately when I filed the claim and again when I called to check the status over one month later. It has now been 93 days since filing the dispute and I still have not received a status update or resolution. I called to speak with them about it and they told me they will escalate the claim and that they do not have a policy for what happens if they fail to resolve within 90 days. I have been a loyal  customer since XXXX and this is the only claim I have ever filed, I am very disappointed.

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 monetary relief
Consumer complaint received 2020-09-15 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 and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) 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 XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX XXXX issued a credit collection to Credence Resource Management for {$290.00}. I never received any communication from either company, so as soon as it was reported on my credit report I contacted them and paid the balance of {$290.00} on  XX/XX/2020 and was informed they would close this account. They never reported my payment of {$290.00} and issued an even higher balance of {$340.00} without ever receiving any communication again. I contacted Credence Resource Management and was informed by someone named XXXX and XXXX that I was lying about my payment being posted. Asked me to get my bank on the phone to confirm, and once I got my bank on the phone they back tracked and asked me to hang up and that they would transfer me to another supervisor. The next supervisor XXXX XXXX informed me that they did have the payment but that XXXX issued another collection and that I still have a balance. Again they never reported me paying anything to them. They are stating I have paid 0 % of my balance to credit agencies with is false. They took my money and accused me of lying about making my payment. They were not able to verify any information related to the amounts and are falsifying reporting amounts and dates related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Filed a dispute with the credit bureau XXXX and XXXX  removed them XXXX  left one XXXX  refused I filed the theft report and sent to both companies and XXXX  with no results I keep all my payments up to date I did have to file bankruptcy in XXXX due to my wifes XXXX bills but since have been trying to build my credit plus I have 39 hard inquiries that I didnt request XXXX  XXXX  XXXX.and portfolio recovery XXXX which was purchased from another company they said payments had be made on it I requested them to send me copies of payments because Ive been with the same bank for 30 years and no proof was every sent also XXXX XXXX for XXXX I have a access one credit card to cover any out of pocket cost I filed the fraud report and sent the required documents to each lender and to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: WA

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) 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 XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this 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 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I tried to book a vacation property online and it ended up being a scam. We never were able to check in or get a hold of the " property owner '' again. I used XXXX through associated bank to wire money to this property owner on XX/XX/2020 for {$1700.00}. After i found it they were scamming me, I immediately called the police ( filed a report in XXXX County under incident number XXXX ). This person has scammed at least 2 other people that I know of and they have opened police reports in XXXX county. I also submitted a case through associated bank and they denied the case. That is under case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have utilized my PayPal account along with it's linked PayPal Cash Card which is issued by MasterCard for more than a decade to be able to track and handle certain types of purchases independently from my main checking account debit card ( through XXXX ). 

On XX/XX/XXXX of 2020, my PayPal Debit Card was charged {$15.00} from XXXX for a XXXX subscription on as it is on a monthly basis. A feature within PayPal called Automatic Top Up handles making sure that sufficient funds are available and transfers the needed funds from your selected checking account ( with a debit card as a backup funding source ). This is handled by putting a hold on the debit card for the funds, then initiating an ACH transfer from the bank, and releasing the hold once the funds are received. During this transaction PayPal 's systems failed ( per their own admission on recorded telephone calls ) and thus the balance of the account went into the negative, putting my account into " collections '' mode, disabling the debit card, and because regular transactions take " 3-5 business days '' to credit -- manually applying the {$15.00} to get the account balance to {$0.00} will not even credit until XX/XX/2020 causing the account to be locked and unusable. 

Attempting to contact customer service automatically transfers my call into their collections department. However, they have no ability to address the situation, and since the account is already ( slowly ) being brought back to a {$0.00} balance stated that the " real  customer service department is not available by phone, and only available through chat paypal.com/help '' and typing 'Agent ' to the bot Attempting to reach someone through that method has been fruitless as it simply states that it will send the conversation ( I had with the bot ) to someone and they will get back to me. This is not acceptable customer service when it comes to my money! Especially after 20 years as a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) 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 XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for 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 2020-09-15 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Transaction of {$8000.00} was made to my account today. Shortly after, my account was deleted with no reason at all. My phone and email were unlinked and I was forced to create a new account. This was through CashApp company. They deleted my card as well. I had {$50.00} on the account already. I contacted the company & they have no explanation as to why my account was closed. But the money was approved before it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: WA

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) 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 XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this 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 2020-09-15 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: WA

Complaint narrative:
XXXX ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) 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 XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this 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