vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I spoke with customer service agent at XXXX  so many times i also sent in my driver license social security card disputed by mail and online they are still reporting my credit information wrong my address is wrong ... they have fraud alerts on my account that should have never been there or removed i disputed an account possible filed a complaint disputed in the mail and the account is still on my report I done everything correctly and I not getting anything accomplished else can i do to have them report my information correctly wrong address and to removed collection off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: MD

Complaint narrative:
Capital One is negligently allowing illegal monetary withdrawals from my credit card account by one of their known fraudulent merchants named XXXX for charges I never made or authorized. 

Capital One has allowed its merchant XXXX to fraudently deduct from my account on five different dates in different dollar amounts randomly. The fraudulent dollar amounts vary and are being targeted against my account even after I have complained to Capital One since XX/XX/2020 : XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX Each time I've been forced to report the fraudulent transactions, Capital One has had to provide me monetary reimbursement for XXXX 's fraudulent charges. 


Capital One also falsely promised me on XX/XX/2020 that they placed a merchant block on XXXX from being able to make further unauthorized withdrawals from my account. However, on XX/XX/2020, XXXX randomly withdrew {$150.00} from my account - this time for a greater amount than before. 


Capital One has failed to protect my financial assets and has breached it's consumer agreement with me to keep my financial account safe from known bad actors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My mortgage is in forebearance for XX/XX/2020 with the CARES ACT OF 2020, yet Rocket Mortgage is making me pay them anyway. How can that be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: SC

Complaint narrative:
XXXX XXXX. XXXX XXXX real estate company. Guild mortgage. XX/XX/2018 i closed on my double wide mobile home. i received a fha loan. the mobile home in the real estate mls said it has a permanent foundation. It does not. there are no footers around the mobile home. no bricks or blocks. the piers under the mobile home are not mortared. i have some kind of sheeting around the bottom of the mobile home not 4 inches into the ground its cracking. my mobile makes poping noises. i am concerned about settling cracks and my floors warping due to the water under the home from the rain that flows underneath. i feel i was misrepresented by my mortgage company and my real estate company. the inspector, real estate company and guild mortgage should have seen that there was no permanent foundation done by XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XXXX the XXXX, I recieved a loan from the SBA, they sent me XXXX on XX/XX/XXXX at XXXX XXXX.XXXX., the money was available all day until about XXXX. I then received a phone call from citibank, stating I needed to approve some transactions, and answer some security questions, when I called, it went from that, too my account is being frozen from me putting buisness funds, with personal money, being told this was okay for me too do by the loan officer at the SBA, I did so, well they froze my account on XX/XX/XXXX, and have yet to either release my funds and let me use them, or have yet to send them back to the sender/sba. I need help with getting my money sent back, or released too me, because, when I call citibank, they lie too me, hang up on me, and have been told different things by many different people at citibank fraud dept and customer service, ive tried calling at least 70 to 100 diff times, and faxed over note after note, at least 100 faxes, still nothing, here I sit with out my money, its ruining my life, that money was meant to help me out, and now im struggling more than ever at the expense of citibank. They have the worst customer service dept I've ever experienced, plz help me get my money back ty p.s. I have sent in my loan docs, my tax info for XXXX XXXX, and I have sent in my DBA and my EIN for my buisness proving who I am and who my buisness is, I sent this info in on XX/XX/XXXX and nothing has changed still lied to by customer service and told nothing basically. PLEASE HELP 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 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
During Covid I was unable to make 6 payments. I then paid the card current plus XXXX  under the limit. I had never been late or over the limit before Covid. They closed my account. I went on chat with a rep that after reviewing my account said no problem they would reopen the account, I just needed to verify it was me so I needed to call. The rep on the phone said it could not be reopened because I had been late 3 times in a year. I then got back on chat and the rep said to call back and talk to a manager. The manager told me again I could not reopen the account. I then responded to the chat that the manager would not do it. At this time the rep on chat say 's I can't reopen the account because I was late 3 times in a year.

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke with customer service agent at XXXX  so many times i also sent in my driver license social security card disputed by mail and online they are still reporting my credit information wrong my address is wrong ... they have fraud alerts on my account that should have never been there or removed i disputed an account possible filed a complaint disputed in the mail and the account is still on my report I done everything correctly and I not getting anything accomplished else can i do to have them report my information correctly wrong address and to removed collection off my report

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 2020-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Filed Chapter XXXX Personal XXXX  in the State of Wisconsin. Court Order for Payment plan submitted and accepted by all creditors. Bank Creditor is not reporting payments made, just reports payments not made or marks account as a charge off. This is false. The account is not a charge off. The account is being paid, monthly by the Court Appointed Trustee. Creditor continues to charge penalty and interest and fails to report payments made by Trustee for Debtor. Balances are still incorrect on reporting. Debtor has submitted all records of payment to Bank Creditor. Spoke with Bank Creditor twice. They said they would fix the account. Received an email from Bank Creditor stating someone would be in contact. None of this has happened to date. This has been ongoing for well over 10 months. I have proof of payments, Court Order, etc. and communications with Bank. Just because they are a Bank providing a bank-issued credit card doesn't mean they can be selective in their reporting. If they can report negative items, they can also report positive items. They have failed to report payments for the past 10 months. False reporting. False account totals.

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 2020-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: MO

Complaint narrative:
I was looking over my credit report today and I noticed that an inaccurate account listed by Recovery One LLC now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

I would also like for recovery One LLC to provide me with a copy of my signature with the original provider giving permission to share my medical information with this company. I have no knowledge of this account so I would like to see original docs including my signature. Please cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I received a notice letter from U.S. Bank dated XXXX/XXXX/2019 telling me they received a replacement insurance policy with XXXX  XXXX  and that I should cancel my previous insurance. U.S. Bank then made a payment for {$1000.00} to XXXX  on XXXX/XXXX/2019, but the problem is I never changed insurance carriers and when I contacted US Bank on XX/XX/2019 they stated that the payment had been made to the wrong account under someone else 's name. The initial phone call on XX/XX/2019 did not resolve the issue and the customer service rep said it was in Supervisor Review, because of its unusual nature. I asked for a letter to explain what happened and asked for them to give details on fixing the situation. After never receiving a follow-up letter, I called two other times and both times receiving run-around and numerous holds by customer service staff that would only say it was in supervisor review and give no details. Finally, after I insisted the representative give me contact information for the supervisor in charge, which they previously wouldn't do, they finally gave me a phone number for XXXX XXXX XXXX XXXX XXXX XXXX. I called the number and left a voicemail and never got a response. I called the number several other times and it would go to an automated voice immediately saying " Good Bye '' and instantly hang-up. It's been almost a full year and I have gotten nowhere with U.S. Bank and they have not returned the {$1000.00} they took from my account and I feel like I've been defrauded.

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 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
I have mortgage on the property located at XXXX XXXX XXXX XXXX, GA XXXX with XXXX  XXXX. The servicer is the money source. They disbursed {$1500.00} on XXXX XXXX, 2020 to make first installment payment for the property tax. They also disbursed {$470.00} on XXXX XXXX, 2020. I contacted the company via phone and via email about this payment. The tax person admitted that the payment was made for different parcel. My account has not been credited for this amount as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Had a payday loan through ace cash express in XXXX where I have been customer last 4-5 years. Paid off loan of XXXX twice. Had an emergency moved out of state last month. Already did one pay off loan of XXXX XXXX nth to pay off loan.They only allow you to do this once year. They told me that I couldn't do a smaller payoff because I already used it for year 2020. I'm on social security XXXX and need to pay my loan back of XXXX. XXXX The office in XXXX, tn refused to work with me on these payments. The XXXX XXXX  also did same thing. They are the Bank behind the Ace Cash Express. They want all of my loan back in one sum of XXXX or nothing at all. I offered to pay XXXX per month in a money order. If I use my Ace Card to pay they want all the loan back and refused to make arrangements with me. 

Please help. I am willing to pay my debt of XXXX  XXXX but they are not working with me for a solution. Thank you XXXX XXXX XXXX XXXX XXXX. 

We also had Direct from each of us from Social Security XXXX. Direct Deposit of almost XXXX. Per month both from me XXXX XXXX and my son XXXX XXXX who owes the loan. 
Ace Cash Express XXXX XXXX XXXX XXXX, Tn. XXXX Phone XXXX Me and my son live just across the street. 
This is so crazy I have never had so much trouble in trying to return money We have borrowed from this Ace Cash Express. 

Our phone XXXX Please help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unable to file a dispute with Credit bureau in regards to inaccurate account on my credit. XXXX XXXX XXXX is reporting on my credit and can not provide a contract with my signature proving that I opened this account. It was opened falsely years ago. I would like to the valid proof that I own this account because I never did. Its also been on my credit for 7 years. Please remove.

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 2020-11-01 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
In XXXX, I co-signed for my son for cable tv with XXXX XXXX while he attended University XXXX XXXX. He left school in XX/XX/XXXX and we cancelled the cable account. However, he did not return the cable equipment thinking that the cable company would come and pick it up ( he was XXXX at the time ). XXXX XXXX sent the bills to her campus address and they were not forwarded to our home address. It was turned over to EOS CCA and they contacted me and I immediately paid them in XX/XX/XXXX. The problem is that EOS updates this account every month and it appears to the credit bureaus that is was just recently paid which is adversely affecting my score by 60-70 points. I have contacted XXXX XXXX XXXX ( which has been purchased by XXXX XXXX XXXX and they have no record of my account being delinquent and have told me ( I have spoke to them 4 times ) that the would remove the reference from my report. I have followed up with EOS CCA and asked them to remove the reference since the original creditor agrees it should be removed but they refused. I then asked them to show the date reported as XX/XX/XXXX which would then not adversely affect my score and they refuse to do that as well. I have spoken to them 4 times as well. I don't dispute the reference but I feel the way that they update the account every month is unfair and severely adversely affecting my score forcing me to get higher interest rates than I should be receiving. The rest of my credit is perfect and my revolving accounts are paid in full every month. This type of reporting must also be adversely affecting other people in the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX a case was opened against me through Paypal stating that I billed a client in duplicate which was a false accusation. Paypal proceeded to withdraw money from my account in the amount of {$2500.00} placing my account into a negative balance. I had used Paypal as a credit card servicer for my client 's convenience and had invoiced a client through Paypal. Once services were completed for that client and they final invoice had been paid by the client, the client then filed a complaint saying that they had been billed in duplicate which was not the case. There were two invoices for the services provided the first invoice being for 50 % of the contract fee and the remaining 50 % of fee due at completion of the project. Once the final 50 % was billed and paid by the client, the client proceeded to say that the final 50 % was billed as a duplicate charge and Paypal wrongfully withdrew that amount from my account. Paypal has essentially helped this client steal back payment from me without any evidence and is now imposing fees in addition to the withdrawal of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: MO

Complaint narrative:
I was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

Equifax and XXXX  are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, Exquifax nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: MO

Complaint narrative:
I was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

XXXX and XXXX are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, XXXX nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.

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 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX Chime suspended my account for suspicious activity from deposits I received from Kentucky Unemployment. They said they needed documents from me and two business days to clear up the issues, so I complied. The next day they needed more documents, and continued on this pattern the entire week, until XX/XX/XXXX they informed me my account was closed and it was determined I was not eligible to receive the remaining {$250.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unable to file a dispute with Credit bureau in regards to inaccurate account on my credit. XXXX XXXX XXXX is reporting on my credit and can not provide a contract with my signature proving that I opened this account. It was opened falsely years ago. I would like to the valid proof that I own this account because I never did. Its also been on my credit for 7 years. Please remove.

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