vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank- I signed with debthelpers in XXXX at which time Citi Bank agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. Citi proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for Citi. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with Citi, no other creditor has an issue. I have spoke with Asifasis XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.

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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
Hello, this complaint is directed to Dovenmuehle Mortgage XXXX Inc., which serviced my mortgage. Below is a brief timeline of the issues Ive encounter with Dovenmuehle and trying to recoup my escrow refund after paying off my loan. It took them 30 days to refund me ( well outside of the 20 business days prescribed by 1024.34 ). 

XX/XX/2020 My loan was paid in full. 

XX/XX/2020 An automatic monthly payment came out of my checking account ( {$3000.00} ). I can understand how this accidentally happened, not a big deal. 

XX/XX/2020 I called asking about my loan being paid in full and when I was going to have my {$3000.00} returned, it never should have been withdrawn. Representative saw the error and said I would have a check in 10 business days. 

XX/XX/2020 I called asking about my {$3000.00} and escrow owed to me ( {$1400.00} ). Had very long conversation. Supervisor told me that a check for {$3000.00} was in the mail and that the escrow amount had been escalated to the Acceleration Team. I was supposed to receive an email from them in 5 days and they were going to send the check via XXXX 2 day. I never heard back from anyone at Dovenmuehle. 

XX/XX/2020 Once again, I called explaining the situation and was elevated to a supervisor. Supervisor told me that my issue had been elevated to the Acceleration Team and that I was supposed to get an email from XXXX today. I received the email and replied back to XXXX explaining that Dovenmuehle was outside the 20 day escrow refund law ( 1024.34 ) and that I wanted my refund immediately. XXXX confirmed they were cutting the check today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2020 I sent a certified letter of dispute regarding unauthorized inquiries on my credit report. After not having received a response within 30 days, I then filed a dispute online regarding the inquiries, as I recently noticed there is an option to do so on myequifax.com. When submitting my dispute, the second step is " uploading of documents '' however that second step is not a viable choice. After selecting " next '' it skips over that step entirely because that is not actually an option. I submitted the same dispute 2 times, the first on my phone then on my lap top. In both cases I was not given the option to upload a document. I then decided to follow up via phone, on XX/XX/2020 at roughly XXXX, after not having been able to submit my documents. When speaking with the representative from Equifax I was told that I was not able to dispute the inquiries with Equifax, over the phone or online, that I had to contact the lender directly. I then stated I already had contacted the lender and that I do have the ability to dispute any item on my report that is not accurate and they are legally bound to investigate. She stated Equifax will not investigate inquiries. I then asked her why t is there an option to dispute an inquiry right on their site, yet she is telling me the complete opposite, they will not investigate? She kept repeating I have to contact the lender. I then went on to say never mind I'm getting the run around, that I would just file a complaint and that I now wanted to know how to repair a line of credit and the apparent transmission error that is occurring, the lady then hung up the phone. So it has been ore than 30 days since I disputed the items. The first by certified mail and online twice. I never received a response until today at which point I called to inquire about uploading documents, and was told Equifax would not investigate, although the option to dispute them is right on there site. They also claim to have investigated an account of which I reported a now XXXX balance, the outcome did not change my report as it should have. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have 2 accounts with Capital One - ( XXXX & XXXX ) and they are both reporting inaccurate late payments in XX/XX/2019. I have had BOTH of my accounts for a very long time -- 10 years to be exact -- I have never ONE time missed a payment. EVER! 
I have always had auto draft and I have no idea why it didn't go through XXXX of 2019, but XXXX, my bank that you guys pull the draft from, said you never tried to pull it. 
There is always alot of money in my accounts and nothing is ever denied. This was not my error and because of the longevity of my accounts and business with you I would hope that you would fix this error as it was not on my side it was your error. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NJ

Complaint narrative:
On XX/XX/2020 I purchased a vacation voucher through XXXX  for reservations at the XXXX XXXX  XXXX  XXXX XXXX All-Inclusive Resort outside XXXX XXXX, XXXX for XXXX. The amount charged was {$3000.00} which was paid in full by my Capital One credit card. I arrived at my resort and spent the week. On Wednesday, XX/XX/2020, I was notified by hotel management that XXXX closed all operations and failed to provide payment for my reservation. The hotel showed me XXXX 's email regarding their lack of payment. While in XXXX, I tried to contact Capital One regarding the dispute and was unable to get compensation for my purchase. On XX/XX/2020, I was forced to repay the amount for my vacation upon hotel check out which resulted in a {$2600.00} balance ( the difference in XXXX 's reservation fees ). Upon returning to the states I successfully filed a dispute with Capital One only for them to deny my dispute charge. I spoke with a Capital One representative on XX/XX/2020 where I was told there was no further direction for this dispute and it was complete and denied. Once again, I made contact with a Capital One representative on XX/XX/2020 to receive the same feedback ( that the dispute case was closed and can not be revisited ). I am at a loss for {$3000.00} + monthly incurring interest charges on a purchase I never received. XXXX remains in the dark with no form of active communication. Their website remains shut down and their phone lines remain silent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I made a final payment agreement with Midland Credit Management ( MCM ) by making a payment of XXXX on XXXX from my banking account. They agreed that they would report to the credit reporting agency that debt was settled for less and closed. MCM has not upheld their agreement by reporting to the 3 credit bureaus correctly. I have copies of the letter. XXXX I contacted MCM to advise it has not bent properly updated. No one would assist. I reached out to XXXX  reporting to them that the account read incorrectly and sent copies showing debt was settled. XXXX  states they contacted MCM and was told that the XXXX balance was correct, account is still open and only updated the date of payment for the XXXX made on XXXX. I called MCM back because court records show that MCM closed to small claims court case on XX/XX/20 as a dismissal since payment was made and check cleared. Still no solution and my credit reporting is incorrect 4 months later. MCM viewed my credit credit report activity constantly and used that information to take me to court demanding payment for a file they purchased from another vendor. Called my line and sent numerous letters the least they can do is uphold their end of the deal and update my report to reflect the proper status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Placed an order. The store cancelled it on XXXX XXXX because items were no longer in stock. Money was never refund in my account. Called store XXXX XXXX was told refund had processed to bank account. Made claim with simple bank on XXXX XXXX. Provided documentation return receipts to bank on XX/XX/XXXX. Its not fair I should wait 90 days when I provide proof and Im the consumer. The company didnt have to wait 90 days to draft anything from my account. I recently lost my mother and job in this pandemic. And am now XXXX XXXX XXXX and could use my money to get things that my family needs. This situation with this bank account has been the last straw and I now have to go to counseling to deal with XXXX  XXXX and XXXX  due to XXXX XXXX, which I have documentation from my doctors. This not the first instance where this bank havent processed my refund and expect me to wait 3 months time to get my money back. And thats not fair. Worst bank ever everything they do is slow and based on their time and is not in the best interest of the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019 My son XXXX XXXX contacted his auto loan holder Capital One Auto Finance to inquire of options to help him keep his account current and in good standing. He knew he would have difficulty making his XXXX payment. When he spoke with Capital One Auto Finance representative she suggested a " catch up plan '', this plan would take XXXX payment and spread it out over three months to keep his account in " good standing '' and that his vehicle would not be in jeopardy of repossession providing he made his payments as agreed. With this arrangement he made his payments as agreed. What the representative failed to do disclose was that this arrangement would be reported negatively on his credit, and my credit since I am the co-signer. The representative did not read a disclosure, and when I called to dispute this reporting I was informed that the company has no disclosure stating such to read or share with the consumer. I have disputed this reporting on XXXX  with no resolution. I believe that this negative reporting should be removed due to the failure to properly notify the consumer. Capital One Auto Finance 's own policy lacks the forthcoming information necessary to comply with the Fair Credit Reporting Act due to no disclosure. I also feel that this is a contradiction to the Good Faith requirement between lender and borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: SC

Complaint narrative:
On XX/XX/XXXX I sent credit dispute letters asking for the credit bureaus to properly verify and validate these accounts because they do not belong to me and they are a product of identity theft I ask them to send me a copy of application and contracts sign by me To verify identity and I have not Received any of these items At all I received was a letter stated These items was verified as accurate and a couple of bills that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: CORELOGIC INC
State: GA

Complaint narrative:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

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 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am extremely upset with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right them.

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 2020-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2020 - {$990.00} I notified USAA on XX/XX/2020 that there was an unauthorized charged to my savings account. Called every day to their Security Specialist at the bank, they promised they would look at it and call me back. 
They never called bank or write me a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada)
State: AZ

Complaint narrative:
i never recd the bill from XXXX  for which i thought paid full as required to transfer service to XXXX XXXX  XXXX.two ago. 
XXXX  send collection without my knowledge to allied collection agency out of XXXX XXXX, i found out when called and demanding and bullying me, i explained i never been late in my life. i had XXXX  service 2 years ago, I paid in full. 
I found it only credit bureau who has this negative remark is XXXX XXXX bad company ). I send request to investigate which they never did and subsequently i call XXXX, they found after reseach i owe them {$210.00}. i paid on spot, same day, once they gave explanation. I check my credit file that still has negative remark. it should removed asap as money i owe to XXXX  money paid full.. nobody care of customer, everyone is running greedy to take dime they can from customer without doing proper job, no customer, except you guys who best interested in consumer well being. pl look this matter and resolved ty ty sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, az XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
these accounts do not belong to me and would like them investigated and DELETED from my credit file.

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 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a {$1800.00} payday loan from ACE Cash Express to help me pay rent one month. I was following the payment plan for 2-3 payments as scheduled. I worked in a tipped wage job and business slowed down and I struggled to pay my immediate bills and was not able to pay my scheduled payments for the payday loan. This continued for several months until ACE Cash Express sent my account to a collection agency. This agency, which claims they work for ACE Cash, has employed a locating service which I believe is using unfair and unethical practices to locate and intimidate me. They have called me up to 10 times in a row and left messages stating that I was being " served '' in accordance with some legal action but was not told who the debt was with nor the amount. These calls were also made to my family members, some to extended family members in other states. They were also called several times in a row and left messages as if it was my telephone number and the messages included the same legal action threats and that I was being served. I believe the company knew they were contacting someone other than myself and still left messages containing personal information as a way to slander me and have family members contact me. These calls were also placed with my personal friends with the same revealing messages and then they began calling the owners of the company I worked for. All of these people received phone calls back to back on several different days, to the point of harassment. They all received the same threatening and personal information about myself. ACE Cash has had a judgment against them for their debt collection practices back in XXXX and apparently they are continuing these practices today in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am extremely frustrated with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right them.

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