vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX recieved insurance settlement of {$5000.00} dollars it was digitally put into the XXXX account i then tried to cash out the funds to my Dave banking card with a XXXX $ fee from XXXX for a instant deposit so XXXX was supposed to deposit on the Dave card I checked the app refreshed it for hours no money appeared. I contacted the bank they said they reversed the transaction and they didnt have it. After waiting 1-3 business days the money does not appear on XXXX I called Dave back they said oh the money deposited but it has a merchant hold. Sent me emails to verify myself which I did multiple times. I didnt even see the transaction of the XXXX deposit in the Dave account until Tuesday XX/XX/XXXX when I know I deposited the money way before that but they also said they didnt receive my payment at first ethier. Then they close my account and say a check will be sent once I verify myself once again which I did on the phone and via email. Dave has been running me in circles about my refund for weeks now and hanging up when I ask to speak to a higher representative or ask them to locate my funds. Im tired of it and just want my money back that does not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: VT

Complaint narrative:
I was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. XXXX XXXX filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to XXXX XXXX at that time as I have a power of attorney to convey the property. They reused to accept the offer. The co-borrower did not respond to the foreclosure request, so it was not contested, and should have resulted in a summary judgment in XXXX. 

Instead, XXXX XXXX requested stays on seven occasions, while continuing to report the delinquency to credit. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made XXXX payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years. 

The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and XXXX XXXX agreed to waive any deficiency, late payments should no longer be reported to credit for me. XXXX XXXX then failed to sell the home in XXXX when the judgment became final, and finally sold the loan in XXXX of XXXX. The new servicer has also failed to sell the home, and has requested continued stays to the process. 

I requested XXXX XXXX to remove all credit bureau reporting on this loan from XX/XX/XXXX ( when the stipulated agreement became effective ) through present and they refused to do so. Instead they kept asking me to sign a quit claim deed to the property, so that I give up my rights to be informed on their actions in servicing their loan. This is a loophole in XXXX guidelines that should be closed. No one should be asked to give up their ownership rights without also being released from the debt.

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 2023-05-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : 1. XXXX XXXX XXXX on XXXXXXXX  2. XXXX XXXX on XXXX/XXXX 3. XXXX XXXX XXXX on XXXX/XXXX 4. TD RETAIL CARD SERVICE on XXXXXXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX XXXX XXXX XXXX on XXXXXXXX A charge card account was actually approved by the TDRCSXXXX XXXX TD RETAIL CARD SERVICE XXXX on XXXX/XXXX/XXXX and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted TDRCS to request the account be cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX CREDIT INQUIRY CAP ONE NA on XX/XX/2023 A charge card account was actually approved by the XXXX  ( XXXX XXXX XXXX XXXX  ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: ID

Complaint narrative:
I am missing money from my cash app account with no transaction history to justify transactions. I received a direct deposit of XXXX last night, spent XXXX for rent, XXXX for XXXX XXXX and transferred XXXX to my savings. That should leave me with about XXXX in my checking and not XXXX. When I contacted cash app the response was " Thank you for reaching out. We understand the importance of your funds. A technical error that occurred between XX/XX/XXXX  and XX/XX/2023 impacted one or more of your Cash Card transactions.During that time, merchants that you used your Cash Card with successfully received payment but the funds were not deducted from your account. As a result, your account balance was temporarily higher than it should have been because your payment to the merchant did not decrease your account balance.The balance you're seeing now reflects the amount we deducted to recover these funds and successfully complete the payment ''. How ever they are not able to provide me with which transaction or merchantts experienced the issue and what dates would have actually been affected. The transaction history they show is false as it does not reflect this " issue '' they describe, which is inaccurate financial records and reporting. If there was an issue with payments they should be able to provide the exact dates, times, and merchants that experienced the issue, and they should reflect transaction history to show such errors. Financial institutions should be reporting accurate history involving any transactions and updated errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: WI

Complaint narrative:
Discovered debt from ProCollect when it appeared on my credit report. I called them immediately as that was first time I was notified of this. I did not receive any communication to dispute. 
I have been working diligently with all 3 credit agencies to get this removed since. 
I have also sent them documentation that this debt is clear and provided the letter from the creditor of the {$0.00} balance. It has still not been removed. 
All I have heard is that since I did not dispute in their initial letter, it is assumed to be valid. The issue is, I never received said letter, nor any letter since as I have requested they send a copy of what is claimed to have been sent to me initially. 
I would expect this to be removed from all 3 credit reporting agencies immediately as it is invalid and I was never given the opportunity to provide this to ProCollect. 
Thank you, 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 2023-05-05 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: LEXISNEXIS
State: IL

Complaint narrative:
there is a bankruptcy report that i did not give consent to be on my consumer report. by law it is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased an above ground swimming pool from XXXX XXXX in the amount of {$9400.00}. I paid a deposit of {$4800.00} using my Discover Card and agreed to pay the 3 percent transaction fee that Discover charges the merchant. On XX/XX/XXXX I received a call from XXXX in their store to advise me that the pool they had sold me was no longer available even though I had been told by her on XXXX that it was in their warehouse. She offered different pool option but after discussing with my husband, I called on XX/XX/XXXX and told her that we wanted a refund if they were unable to provide us with the pool we had purchased. When I went into their store on XX/XX/XXXX to pick up my receipt for the refund, she presented me with an invoice for {$140.00} to cover the 3 percent fee that Discover charges. I refused to sign it and came home and opened a dispute on my Discover Card. 
I provided Discover with the above facts and copies of the invoice and sales receipt. On XX/XX/XXXX Discover send me a link to a message showing what XXXX XXXX had provided to them including the {$140.00} invoice that I refused to sign. Discover at no time offered me an explanation as to why my dispute was denied nor have given me an opportunity to rebut their decision. On XX/XX/XXXX I sent an email to XXXX XXXX, XXXX XXXX, requesting an explanation. On XXXX I received an email from XXXX in their Executive Office of Customer Advisory department requesting more information, such as account number, that was already provided in the email to XXXX XXXX. I sent an email to her that same day providing the information and did not receive any further correspondence from her. On XXXX and XXXX, I again sent my email to XXXX XXXX with no response. On XXXX, I sent an email to Discover XXXX XXXX XXXX requesting an explanation regarding this denied dispute. That afternoon, I received a phone call that I missed from XXXX. I sent her an email letting her know that I have a difficult time catching up with her on the phone and to please contact me via email. She did not. I called her phone number today XXXX XXXX and she agreed to investigate my dispute but seemed to have no knowledge of anything that had transpired. She said she'd call me back when she had a decision but could not provide any kind of time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
The collection agency has been trying to verify a collection for almost three months and they still havent sent me debt verification letter and it has been more than 30 days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX showed that I was 30 days past due on my XXXX/Fortiva account for XX/XX/XXXX and XX/XX/XXXX. XXXX shows the same account 30 days past due for ONLY XX/XX/XXXX. I made several calls about this and am still waiting for a resolution. I sent a letter to Fortiva on XX/XX/XXXX requesting the correction, and I am still waiting to hear something. I viewed my credit reports today, XX/XX/XXXX, and it still shows the errors. I signed up for XXXX in XXXX XXXX, and there was confusion about who was making the payments, so in XX/XX/XXXX, I was 30 days past due. However, XXXX had an agreement with Fortiva and made all the payments correctly in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I was behind in my mortgage due to loss of income caused by the COVID-19 pandemic. I applied for a grant from Pennsylvania 's Homeowner Assistance Fund ( HAF ) and was approved for a full mortgage reinstatement in XX/XX/2023. Shellpoint still has not credited my account with the payment. The HAF program administrator confirmed that they wired Shellpoint {$31000.00} on XX/XX/23 but have not been able to find out what happened to the money. Therefore Shellpoint 's latest statement shows me as owing {$34000.00}. Because Shellpoint has not credited my account, they have continued to report me as delinquent to the credit bureaus when I should have been reinstated. Also Shellpoint has added property inspection fees and late fees that they would not have charged if they had properly credited my account when the HAF funds were sent in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
We obtained an NFL credit card years ago to allow us to finance our season ticket purchases for six months with no interest, along with earning rewards for those purchases that can be used as statement credits. In the spring of XXXX, the issuing bank for the card changed from XXXX to Comenity. The same benefits were advertised, both on the card website and on correspondence we received when the new card was issued - 6 month, 0 % financing on purchases over {$250.00}, and 3 % rewards on NFL purchases. We have had a very difficult time getting the bank to follow through with giving us those benefits. 

XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Should have qualified for 3 % reward as an official NFL purchase, but only 1 % given ( XXXX points instead of XXXX ). Should have qualified for six months, 0 % interest, but treated as a regular purchase. 

XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Once again given 1 % reward instead of 3 % ( XXXX points instead of XXXX ) and not given promotional plan. 

XX/XX/XXXX - after numerous messages and phone calls, purchases were put on 6 month promotional plan and interest charges were reversed. However, rewards were still not corrected. We filed a dispute about these rewards around XX/XX/XXXX, which has still not been resolved despite the company 's statement that it would take " up to 90 days. '' XX/XX/XXXX - {$850.00} purchase of XXXX XXXX season tickets. Given 2 % reward instead of 3 % ( XXXX points instead of XXXX ). Once again, not put on promotional plan is it should be. 

I sent messages through the card 's website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, made phone calls on multiple dates and sent a letter through the mail on XX/XX/XXXX, but can't get the company to resolve this relatively simple issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I canceled my XXXX auto insurance policy in XX/XX/XXXX through an agent called XXXX XXXX XXXX XXXX. XXXX XXXX as my XXXX Insurance Agent intentionally decides to renew my policy with XXXX XXXX after my cancelation without my permission even though I called to inform XXXX XXXX about my cancelation. XXXX  XXXX Insurance billed me an unauthorized charge which has Negatively Impacted my credit scores. When I called XXXX to resolve the issue, XXXX asked me to submit an insurance declaration page that clearly state the policy period for both XXXX XXXX Insurance and XXXX XXXXl insurance. I have submitted all three declaration pages to XXXX, and I have not heard from them since. 
Insurance Information and Policy Periods. 

XXXX XXXX Insurance : Policy Period XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX - Present

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
I am a victim of identity theft, and the accounts below were were opened by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

I have called and mailed my identity theft reports to Experian and XXXX via certified several times Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report credit reports and only send stall letters that have already be sent to me many times in order to avoid correcting my credit reports. 

The account below was not opened by me and needs to be removed permanently from my credit reports : XXXX XXXX XXXX XXXX The identity theft reports were mailed via certified mail to Experian and XXXX, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-05 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this 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 2023-05-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX coupe of the inquiries were removed by the original creditor letters was sent to myself and TransUnion, XXXX, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.

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 2023-05-05 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation