vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: OH

Complaint narrative:
On XX/XX/2021 I called Capital One Credit card Company. And the foreign lady I spoke with lied to me twice about the payment I made and her English was terrible. I made a payment of {$39.00} to my balance and it was never added as a payment, it's being held back. And Everytime I make a purchase I am charged interest on my credit card. My statement is suppose to be {$630.00}, but my statement says {$720.00}. and I had a purchase from Walmart that was refunded to me for {$19.00} which was never added back to my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying for months to get my credit score from this company, they never help me, all they do is tell me to send copies of my identification to the credit company and nothing ever gets solve, first I wasn't able to get my credit score now I cant even log in to my account ... .this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My bankruptcy 10 years back was taken out by XXXX  and my scores updated. But XXXX  and Transunion is still jealously holding on to it. When I reported the issue to XXXX and Transunion, only Transunion took that public record out - but did not update the score at all!! And XXXX  did nothing on it!! 

This is preposterous. These people are holding on to our personal info and then making private profit off of it. I have no idea how this is constitutional, but this is definitely not ethical.

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 2021-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021, my checking account with Capital One 360 was compromised as my debit card information was stolen by a thief using the XXXX XXXX. I notified Capital One right away. They said there was nothing they could do because the three transactions were still pending. Someone wiped out all my money from my account except for {$1.00}. I had received an alert from Capital One and I told them I DID NOT AUTHORIZE THESE TRANSACTIONS. They suggested I contact XXXX XXXX, which I did. I sent two emails to XXXX XXXX with a copy of what they had taken out from my bank. I told them this was fraud and I want this individual prosecuted. XXXX XXXX knows who this money was going to. 
I called Capital One 360 today and they said there was nothing they could do until these transactions post. XXXX from XXXX XXXX Never got back to me after I gave them all this information. 
I am a senior and I have no money now for food or gas. Something needs to be done NOW. I have copies to send you as documentation of this theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit<hope to hear from you soon Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is the third complaint I filed against this company, and they still refuse to provide an answer/solution ( Please see XXXX and XXXX ). Although I understand the process behind the garnishment process, Discover has failed to explain the fact that they did not notify me of the garnishment, effectively denying me the opportunity to challenge the garnishment before the funds left my account. I never received any notifications, only an email indicating that an official check had been issued. It turned out that the garnishment order was illegal since it was based on a fraudulent tax return and I am now fighting to try to get those funds that were illegally released by Discover. This is the last attempt I am making to ask to discover to recall said funds, since they failed to properly notify me of the garnishment, thus denying me the opportunity to address this issue before the funds left my account. Discover must recall the funds from the state of California since it released them pursuant to an invalid and illegal garnishment order. This is my last attempt before filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TX

Complaint narrative:
CERTIFIED LETTERS WERE MAILED AND RECEIVED BY AGENY ON XXXX AND AGENCY FAILED TO MARK THE ACCOUNTS AS BEING DISPUTED BY CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I was sent a collection letter on XX/XX/2021 attempting to collect a debt of {$230.00} from CBB ( California Business Bureau , Inc. ), ( attached ) and replied with a with a personal dispute letter on XX/XX/2021 ( attached ) stating that I do not owe the debt and I was requesting supporting information. 30 days passed and I did not receive a reply nor was I contacted in any way. I was then contacted via telephone on XX/XX/2021, nearly 4 months later ( screenshot of call attached ) from XXXX XXXX XXXX , XXXX attempting to settle the same debt. I explained that this should not be a debt owed and that I had requested, in writing, the supporting information back in XXXX and never received anything from the agency and the service caller quickly hung up. Now, I have just received another collection letter from XXXX XXXX XXXX , XXXX with the opening line stating that the requested information is enclosed and it is only a statement of charges, not a breakdown of charges or any supporting information. I do not owe this debt and have been attempting to resolve this accordingly and these agencies are not following the legal protocol and are only using aggressive measures in an attempt to bully/harass me into paying this debt that I firmly deny. I would like to submit a formal complaint and have these two agencies held accountable for harassment and failure to collect a debt legally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I got this account that is not mine and i want to delete them. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax was forwarded an identity theft affidavit in which they had four days to remove, block it. They have done nothing but sent me a letter stating that they refused to block it. this was not sent in error, and a copy of my id and social security was sent along with it.

1. THE INFORMATION I PRESENTED TO YOU WAS NOT BLOCKED IN ERROR 2. THE INFORMATION I REQUESTED IS IN THE FORM OF AN AFFIDAVIT OF FACT 3. IF YOU BELIEVE I OBTAINED POSSESSION OF GOODS AND SERVICES, OR MONEY AS A RESULT OF THE TRANSACTIONS I NEED A SENIOR EXECUTIVE MEMBER OF THIS COMPANY TO PUT IT ON AN AFFIDAVIT SIGNED UNDER THE PENALTY OF PERJURY AND NOTARIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Flatonia Investments, LLC
State: DC

Complaint narrative:
I received e-mail notices from various credit bureaus that my mortgage was late/delinquent. 

I attempted to log into XXXX  and the system would not allow me to log in. I followed the options to : 1 ) Forgot username, and input my loan number and last 4 digits of SSN, 2 ) Picked forgot password to try to reset my password, and 3 ) attempted to create a new account. All three options failed - XXXX  system would not notify or e-mail me any details about my loan. 

During a call today, XX/XX/12, at around XXXX eastern, I spoke to XXXX XXXX XXXX basically accused me for not having my " profile '' set up correctly with XXXX. XXXX said that I must have XXXX not send me emails about anything. I explained to XXXX that I felt she was accusatory - the issue is I could not access my loan details online. Even after obtaining access to my account, I followed the system 's " Forgot User ID '' prompts and XXXX still does not e-mail you. I tried to explain to XXXX that I believe this is an IT issue on their end that needs to be fixed. XXXX promptly hung up on me when I asked to be escalated to her supervisor. 

Due to my travel status and different time zone, I was unable to call XXXX during their normal business hours. 

XXXX has reported my loan as delinquent. I was on travel for 4 weeks. While I made an error with my bank account as it skipped the XXXX payment and I accept that issue. However, for XXXX to block the account without any communication, and claiming that my account was not blocked initially XXXX XXXX later relented and said she unblocked my account ). 

So I was forced not to pay my bill via XXXX  while I was on travel - I had to do it with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXXPlease remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, EQUIFAX, XXXX  the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX, EXPERIAN the also have records of file the are wrong.

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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/2021 BBVA locked my acct without reason. I was told conflicting information as to why my acct was locked. I emailed paperwork as they requested. ( 3x ) I have left messages for the investigator, XXXX XXXX 3 to be exact she has never returned my call. I spoke with a rep XXXX XXXX she gave me her direct email address to send info. I never heard back from her. Every time I call reps are not helpful. The call either drops or they transfer you without telling you. They have the worst customer service. To date my acct has been locked since XXXX. I received a letter stating they are investigating my acct and it will take 10 days. That was on the XXXX of XXXX. No one has contacted me regarding the outcome. And when I call reps just say I need to speak to fraud dept because they have no info to give me. Meanwhile the bank is holding my money hostage. This is illegal bad business practices. I need help. These banks are bullying people. And non one seems to be able to help. I can't pay my bills. I'd like my money and to close my account with this bank. I tried to get some resolution today and again I was transfered to another rep by the name of XXXX who I was told was the back up person to the rep handling my acct. He too did not answer the line and I was prompted to leave yet another message. Why is my acct still locked?? Why is no one returning my calls? .. Why did the letter I received said it will only take 10 days?? This is unfair!! The are holding {$13000.00} with no explanations. They never reached out to the loan company to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
{$850.00} transferred via XXXX to XXXX on XX/XX/12 to receive a puppy.This seems to be scam and they never delivered the puppy. 

Their website is https XXXX XXXX  XXXX XXXX Phone number of recipients is XXXX I have reported to my bank and asked to get this money refund back to my bank of America account, waiting

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 2021-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROSS MORTGAGE CORPORATION
State: TN

Complaint narrative:
I am currently under contract with a date to close of XXXX XX/XX/2021. I have already had a preapproval and all other overlays or requirements taken care of with significant documentation provided to get a clear to close. Realizing that the appraiser may not make it out in time to do the secondary appraisal after all required items were fixed, we had filed for an extension until XX/XX/XXXX. As my realtor sends the signed document to the loan officer, it has come to our attention that the loan officer and her entire team had been fired without any notice to any veterans that were working with this loan officer and their team. This information was discovered on XXXX the XXXX. After 24 hours had elapsed from this information, I received a denial of credit based upon false pretenses considering I had already been pre-approved without adding any additional obligations to my credit or debt to income ratio while I was looking for a home or under contract. I had reached out to the loan officer that was working on my file to look for answers. The loan officer alerted me that the company had denied my loan based on the pretenses of her separation of employment with this company. With the additional information that I am not the only veteran that this has happened to since her departure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: CA

Complaint narrative:
XXXX XXXX XXXX / Rep name : XXXX The above company called two family/friends ( that I know about ) trying to get a hold of a XXXX XXXX. That was my maiden name. However, I do not have any debt or student loan for that matter. I verified with them with my full name and last 4 of my social security number and address. I asked who else they called trying to get a hold of me and they refused to tell me. I should have EVERY right to know who they contacted trying to get a hold of me. This is outright embarrassing and not okay to have my family and friend call me telling me a debt collector was looking for me! I work very hard to keep my credit clean. This company did not do their due diligence on the person they were trying to reach. It was clearly not me. A simple search would have told them that. I want to report their practices and I want to know who else they called on my behalf since they refused to tell me. I consider this harassment. Especially since the person they were looking for was clearly not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: PA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  Data Breach/ Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over

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 2021-07-12 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: PA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach/ Identity Theft all is being investigated by the FTC XXXX According to FCRA 605B this information must be blocked immediately until the investigation over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Colony Brands, Inc.
State: NC

Complaint narrative:
I lost my job due to not having means to pay account throughout the pandemic I feel behind on payments as well. I have paid out the account. However it says it is active which the account is closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days 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 should 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 got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with XXXX XXXX XXXX. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.

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