vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
This complaint involves XXXX XXXX XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with Capital One Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX  and XXXX. Over the month many months I have communicated with both my credit card provider and XXXX XXXX to rectify the situation to no avail. I was initially told by XXXX XXXX that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to Capital One Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called XXXX XXXX in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back Capital One and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that XXXX XXXX would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from XXXX XXXX had told me over the phone on XXXX it would work out because Capital One Visa had notified XXXX XXXX of New Account Card number. I am lost this point hoping you can provide help at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: FL

Complaint narrative:
There a major data issues with this vendor. They show my Daughters name on my file as per XXXX XXXXXXXX posting and it can not be rempved. Disputes go unanswered and my credit file remains a disaster incorrect and wrong and you sit there filing paperwork WOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a wire transfer for {$10000.00} from Citi Bank to XXXXXXXX XXXXXXXX in XXXX. While the money was deducted from my account the beneficiary has not received the funds as of XX/XX/XXXX. I have called the Citi wire department numerous times yet Citi has not provided me any information about the lost funds and refuses to refund 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 2021-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been trying to closeout my XXXX account with Citibank online since XX/XX/XXXX. I have called them around 8 times and most often they say they need to transfer me to another department and then I either sit on the phone for an extended period of time and get disconnected or no answers at all. On a few occasions I have gotten through to them and they say they will close the account but they don't. This account has less than a {$100.00} in it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: FL

Complaint narrative:
In reference to complaint # XXXX Citibank retaliated by closing my account which affects my credit and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regarding : Account No. XXXX CAPITAL ONE BANK USA Credit Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers and attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XX/XX/2021, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I obtained my 3 in 1 credit report from Equifax Complete Premier Plan on XXXX XX/XX/XXXX. I was informed on the website that I could cancel at any time. I canceled after I obtained the report by calling XXXX. They had overcharged my card and they did refund my money at that time. I continued to be charged {$19.00} per month. I called on XXXX XX/XX/XXXX and spoke to XXXX to get the refund for the previous months and he stated that they must investigate this. He wants me to agree to a cancellation today. I have asked that they back date the cancellation to XXXX XXXX when I first called. I repeatedly requested for them to listen to the calls to verify my claim of cancellation and they will not do this over the phone. They have placed an escalation on this. I do not trust they will do the proper follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TN

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 Im being taken advantage of and being ignored for my disputes and concerns. 
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 from 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have been assessed a {$100.00} fee that I am not responsible for. 

Mr Cooper Mortgage of XXXX, TX has charged me {$100.00}, accusing me of changing my bank account number. 

The details are in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This company repeatedly contacts me at work from numbers XXXX and XXXX. On XX/XX/XXXX at XXXX they called me at my work number from their number ending in XXXX. I immediately called them back from my cell phone and told them that I CAN NOT receive phone calls at work. I work for a state government agency and all of my call logs are monitored against personal calls. These can get me in serious trouble as " theft of resources '' for using my government phone for personal reasons. The lady I spoke to said that she would have the number removed. 

Then this morning at XXXX I get another phone call using their number ending in XXXX. I immediately called back and told them I already asked on XX/XX/XXXX not to contact me at work. The only reason give was that it could have been another department that called. I'm sorry but I told your company once that calls are not allowed, it doesn't matter which department uses it. 

When I asked what it was in reference too I was told they needed my social to look it up, I gave a fake number and hung up because I was hesitant to hand out my info to this company. 

This company has my cell phone number, they call it constantly all day long. They should not be using my work number after they were told the first time not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TN

Complaint narrative:
Im attempting to refinance a $ XXXX mortgage with Better.com. My credit score is XXXX. I have over {>= $1,000,000} in liquid assets and over {>= $1,000,000} in other real estate. They keep asking for unneeded documentation. I believe it is because I got a good rate and the rates have since moved up. 
EXAMPLE : They ask for my XXXX XXXX. Its not due till XX/XX/XXXX but I had it so I sent it to them. Their next correspondence asked for my XXXX XXXX. 
EXAMPLE : They ask for proof that I had paid my outstanding tax debt for XXXX. I have no outstanding tax debt. I sent them a copy of the check where I had paid my taxes for XXXX by XX/XX/XXXX. Their next correspondence asked for proof I had paid my outstanding tax debt. 
I could go on. If you want more I got it. But bottom line very frustrating to deal with a shady company with obviously not good intentions. I strongly advise other consumers not to go anywhere near Better.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX made a {$1000.00} payment to XXXX XXXX XXXX on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted XXXX XXXX XXXX only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; XXXX could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
XXXX XXXX XXXX appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX stolen XX/XX/2020. Cash app acct was taken over ( cash tag/email/phone changed so i didn't know it was accesed and locked me out of account ) reported this a few days later when i realized the acct was empty. Cash app did nothing about unauthorized transactions, kept me out of account until it was too late to dispute charges. I can not get any details of transactions that would've enabled me to dispute thr charges eith the merchants. I lost about {$700.00} and information on parties responsible for fraudulent charges. I was let into my acct recently after they accepted my IRS stimulus checks and I posted many negative reviews and complaints online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX, XXXX, XXXX, XXXX, XX/XX/2020 I requested CapitalOne Auto to add my monthly car payments to the back of the loan due to the coronavirus impacting my finances. They agreed and they still reported on my credit that I was delinquent and did not make a payment. 
I need to know how they are able to say they can add my car payment to the back of my loan and still report it as not paid. They have not answered my questions about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CA

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

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
I opened a account with ( XXXX ) XXXX XXXX ( Original creditor ) back in XX/XX/16. I was told my bill by sales rep that my bill would be would be {$160.00}. per month give or take a dollar. Got my first bill which was over {$400.00}. Went back to store spoke with the same guy and he stated its high due to being prorated, so I paid him cash. I asked if my next bill would be what he originally quoted he stated yes. So I get the next bill and it was even higher. Went back to the store and was told he was no longer there I tried many times to resolve this issue and wanted to return the 2 phones and was told that they could not do that. Paid my bill and left. I tried to get the main MGR on the phone and was repeatedly told he was in a meeting. I went to an actual XXXX store in XXXX, MD and was told that they could only help if I brought the plan through them and that the store I dealt with was a franchise and would have to deal with them. I closed my account on or about XX/XX/16. Checked my credit a few months later and saw that they put it on as a collection. Every time I get this resolved it pops back up again.The 2nd one is Jefferson Capitol Systems was the next, then now its XXXX XXXX XXXX XXXX. 
It keeps getting sold and sold and I have explained it till I was blue in the face. I cant seem to win. I have only the above ( Jefferson Capitol on my credit but I am sure XXXX will pop up soon.. I am trying to get this removed but to no avail. Jefferson keeps stating that they are the original creditor and restarting the battle all over. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly request Transunion to correct the inaccurate address on my credit file. 
I have sent the required paperwork with a response received that I need to provide proof of my identity and current address which I previously provided. 

The address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX IS A INACCURATE address associated with me. I have never been at this address and further more this indicates this is a apartment and this is a residence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have been a customer of PayPal since 2011, and used their services for random online purchases. I also bought Cryptocurrency last fall ( balance of $ XXXX ). On XX/XX/XXXX, I received an email saying PayPal was permanently limiting access to my account, without any explanation. Thinking it was a scam email, I called them and talked to a phone rep, and her supervisor, they both confirmed my account was blocked, they did not know why and did not offer any resolution options. They also stated that my funds will be held for a period of 180 days! I understand something may have trigged their security system and this is for my protection ( or theirs ), but they are not giving any explanation why this is happening or what do I need to do to resolve the issue. At this point, I would like to close this account, get my money back and move on from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix Financial Services out of XXXX apparently bought an old collection account for {$660.00}, that I disputed in XXXX, from XXXX XXXX XXXX The original bill was an error, my health insurance wasn't used from what I gathered, for an ER visit. The date the original collection was opened was XX/XX/XXXX. The balance was updated XX/XX/XXXX, set to be on record until XX/XX/XXXX. 

XX/XX/XXXX of this year, XXXX, Phoenix reported they have opened a collection account for emergency services for {$660.00}. 

This is re-aging. It's incorrect reporting of debt to the credit reporting agencies. It's the same bill from XXXX. 

It has made my credit score decline unnecessarily after I've worked so hard to increase it over the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase decided to close my account and couldnt give me a reason why i dont have any outstanding balances, I've never wrote checks, or had my account in bad standing for them to restrict my account and make it so i cant access my funds i think their trying to something with my money its mighty strange they close and restrict my account 1 day before my stimulus arrive. I have several deposits that supposed to come to this account and i've let them know that and i need to retrieve my funds since they closing my account i dont like the treatment at all and on top of that their trying to keep my money and i dont know why once again my account was not in bad standing and i dont owe any large fees so why arent they releasing my money? They have violated my rights in many forms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
At application I was told I qualified for a {$5000.00} home dream credit. At conversion I was told that I still qualify. After the commitment was issued and underwriting reviewed my income the loan officer called to congratulate and tell me Im getting {$3900.00} of the {$5000.00} credit. A week later a supervisor called to say the underwriter messed up and I didnt qualify. My cash to close increased by almost {$700.00} an hour before closing with no communication by my mortgage team. As of yesterday XX/XX/17 a rep from XXXX advised on a monitored line that WF is not required to give any credit even if its verbally disclosed on the monitored recorded line. Despite the Underwriting teams mess up of income calculation and XXXX XXXX calling me to confirm Im eligible for the {$3900.00} credit. They only legally required to provide credits if disclosed on the CD. How is that fair? Is this even legal? This was a complete bait and switch and the rug was pulled out underneath me. I was counting on the credit. Same day I closed on my house I had to put my XXXX year old dog down. ( {$1000.00} vet Bill same day ) My reserves were completely drained with the loss of the credit I was promised by the loan officer on the monitored and recorded line. I feel the loan officer and Wells Fargo have violated fair laws. I believe because it was disclosed and even verbally it should still be honored

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