vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
I have several inaccurate items reporting on my credit report. I have sent a total of 2 letters to Experian for them to correct the incorrect personal information and incorrect account information they are reporting on my credit report and they have not completed my requests within the allotted 30 day period on 2 separate occasions. I have sent a final 3rd letter to request this inaccurate information be removed

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 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a XXXX XXXX XXXX and opened a Checking Account with Chase XXXX XXXX. My personal Checking Account is with XXXX XXXX. On approximately XX/XX/2020, I used the Chase Bank Online Banking System to apply to have my XXXX XXXX Checking Account approved for External Transfer. I was subsequently notified of the approval. On XX/XX/2020 I attempted to transfer funds in the amount of {$2500.00} from Chase Bank to XXXX XXXX on the Chase Bank Online Banking System. I received a message on the Online Banking System that they needed to verify my identity with a code. After several attempts to obtain the code online, I called Chase XXXX XXXX Customer Support. The customer service agent provided me with a code to verify my identity ; however there was no place on the Chase Online System to enter it. The customer service agent told me that she was able to verify my identity and I thought it was solved. I received email messages from Chase Bank that my transfer attempts were rejected. On Friday XX/XX/2020, I visited the Chase Branch on XXXX XXXX in XXXX, WA. I met with a Banker who confirmed for me that the transaction was blocked by the fraud detection department at Chase. He called customer service with me sitting in front of him and verified my identity multiple ways. I heard him tell the customer service representative what had happened and heard the banker instruct the customer service representative to initiate a real time transfer of funds in the amount of {$2500.00} to my XXXX XXXX Checking Account. At approximately XXXX on Friday XX/XX/2020 I checked both of my bank accounts and noticed that the funds had not been debited by Chase and had not been received by XXXX XXXX XXXX I called Chase Bank Customer Service at that time, explained what was happening, and he told me that my attempted transfer was blocked by fraud detection and transferred me to the fraud detection department. A representative from Chase Bank Fraud Detection Department again verified my identity and assured me that the funds would be in my account by Monday, XX/XX/2020. To be clear, that is 6 days following my initial attempt to transfer funds. 

As of XX/XX/2020 the funds have now been withdrawn from my Chase Account ; however not deposited in my XXXX XXXX Account. I called customer service and both times they advised that the transaction was blocked by fraud detection. When I asked to speak with a supervisor/manager on both occasions - the representative terminated the call. I called the Chase Bank Branch that I visited on XX/XX/2020 at approximately XXXX, requesting to speak with the branch manager. I was told he was not available and would call me. I haven't heard from him. I know that my XXXX is small and this is not a large transaction, nor does my XXXX  add much to the bank 's revenue. I am beyond frustrated at this point and would certainly appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX. Im writing to complain about Capital One Bank. 

Capital One Bank did not accept a transfer of {$10000.00} in PPP loan funds into my personal bank account, which I use to handle my XXXX  dealings as a XXXX XXXX XXXX. This happened around the end of XX/XX/2020, though I double checked that the routing and account numbers were accurate, and the name I applied for the account on is the same as stated on the contract - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( my XXXX XXXX name ). ( see image ). 

When I called to try to find out why Capital One Bank did not accept the funds, I was told : SBA loans have to be deposited into a XXXX account only. 

However, my EIDL loan was deposited into the same account just weeks previously ( see image ). 

At no time did Capital One communicate via phone, email or other method, or let me know that the PPP loan money was refused. In the past, I have received letters in the mail or emails from banks when a transfer was refused or on hold. 

The operator said, Im not sure why you werent contacted by someone. I apologize, you are correct, it would have been very helpful if someone had contacted you. The operator who I spoke with was named XXXX, ID # : XXXX. We spoke on the evening of XX/XX/2020. 

I called back to ask why the EIDL loan was received in the personal checking account and not the PPP loan, and was transferred to the checking department and put on hold indefinitely. After 15 minutes or so, I hung up. 

I am writing to complain that Capital Ones acceptance of one loan and not the other caused me and my family and my XXXX much distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: OR

Complaint narrative:
Although I had experienced identity theft, and had been communicating with XXXX XXXX and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.

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 2020-11-23 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: LEXISNEXIS
State: CA

Complaint narrative:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of LexisNexis removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
-XX/XX/2020 contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is Sunrise Credit Services , from NY.

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
TMS received our XXXX Mortgage payment but did not apply the funds to our account. This is confirmed on their statement as well as from our bank. Now TMC is requesting a double payment mortgage payment for XXXX. 
I spoke with XXXX at TMS at XXXX on XX/XX/23. The first response was that it was my fault as I did not say what our payment was for - the amount was the exact dollar amount of our mortgage and we only have a mortgage account at TMS. I asked if this would negatively impact out credit, she could not confirm. I asked for supervisor and one was not available and would call me back. After asking to speak with the Office of the President to file a complaint for unfair and deceptive practices, she said they did not have one. The reason then changed as it was due to our servicing changing. I asked for a letter documenting that my payment would be credited, again that was not possible. I am still waiting on a supervisor to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: LEXISNEXIS
State: VA

Complaint narrative:
Disputed an account with LexisNexis about bankruptcy on my credit reports and they responded but failed to update now I'm unable to contact them via phone, email, or their website chat. I have attached the letter that they said they would send to me and to the credit bureau so they could update the letters. I'm getting really aggravated with this mess they have created for me and trying to settle this before contacting the attornies general 's office. They asked for information to verify my account and still failed to update the correct address as you can see on the letter that I attached they emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: FL

Complaint narrative:
I had money sent to me from a friend and theey sent it as if they bought a product from me and i already verirfied the transaction to pay pal and they still froze my funds for 180 days. I want my {$1600.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Self Financial Inc.
State: GA

Complaint narrative:
From : XXXX XXXX Sent : Saturday, XX/XX/2020 XXXX XXXX To : Self XXXX Subject : questions for self about inquiries Will I still receive my credit card if my savings progress has unexpectedly gone down. I have attached below screenshots of my savings progress. 

Sun XX/XX/2020 XXXX XXXX : To receive the {$540.00} dollar plus cd interest after the 12 months can I upgrade to the 12-month plan? This is for cancelling my original plan.

After contacting the major credit bureaus, they informed me of how my credit score could be impacted.

Inside your account dashboard, your Savings Progress is the approximate " cash '' v
alue of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ).

While it may seem alarming to see your funds decreasing, your final payout, if the account is kept open until the original maturity date, will still equal the original loan amount if all payments are successfully submitted. Your funds are not 'disappearing ' they are applying appropriately to the interest amount. 

The formula for Savings Progress is : XXXX Principal ( loan amount with no interest ) - ( minus ) remaining loan principal - ( minus ) loan interest accrued to date ( minus ) outstanding fees ( if applicable ) - ( minus ) CD withdrawal fee ( if canceled early ) = Total Refund Amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: VA

Complaint narrative:
I opened a complaint about inaccurate information on my credit report ( s ) about bankruptcy that XXXX was reporting. After filing a complaint about XXXX I received a letter from XXXX via email explaining they had made and mistake and that they removed it from my XXXX file. I have filed a letter and requested validation with each of the 3 credit bureaus and ALL responded back stating they in fact verified the records with XXXX. This should be impossible with this letter AND for the fact that my address is FAR from correct on the XXXX Account. Each of the Credit Bureaus responded back with letters stating that they VERIFIED with XXXX, I have received them via US mail. 

I have included a copy of the Orginal letter as well as my hi-lighted proof from said letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Kriya Capital, LLC
State: WA

Complaint narrative:
-XXXX XXXX contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is XXXX XXXX XXXX XXXX from NY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
EVERY other week, for over a year now ( some ) " bank '', H & R Block owns and operates, despite their claims to the contrary ... is used for their " Emerald Card '' deposits. I've had an account for direct deposit with em since 2018. 

Three years, I've been a customer and for the last year and half of it, they have been putting a freeze on it ... ( every ) deposit, received ... EVERY TIME! Up til recently, I've been able to get them to unlock it, through nothing short of hair tearing phone conversations, to whatever country their accents are from?? 

Last deposit, 2 weeks ago, they straight up said " no '' ... when I told em to unlock it, again ... for the umpteenth time! Cause it ain't just once that they do it! I've been in line at the store, bunch of groceries and it'll just get declined ... with plenty to cover the bill! 

They ( keep ) doing this to me, and now it's my unemployment money ... and they KNOW IT. They're killing me, to keep it for themselves! 

I tried the people at, " Fair Shake '' ..they said the same XXXX as this site. You'll send em a letter and hope they respond to it. 

If this were a shoplifter, they'd already be full of holes by now! Steal people 's pension or unemployment though..and then we can just " hope '' they give it to back!?? 

Please ... ( HELP ) ... with something other then a useless letter! I'll be dead, long before it even gets tossed, into their waste basket..and I'm pretty sure they're aware of that fact!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I filed a dispute with TransUnion over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and XXXX XXXX XXXX immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last XXXX digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, TransUnion is reporting in its completed investigative report that my XXXX account is in bankruptcy based upon XXXX 's last update on XX/XX/2020. When I called XXXX XXXX XXXX when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called TransUnion with the file/control # that XXXX provides to TransUnion that reflects updated credit information but TransUnion claimed they could not make any changes.

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 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-23 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: MD

Complaint narrative:
When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all XXXX of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: MD

Complaint narrative:
When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all XXXX of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.

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