vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
1 ) I entered a one-time principal-only payment into the US Bank mortgage payment system of {$6500.00}. This appears correctly in my US Bank account. This is in addition to my {$2900.00} standard monthly mortgage payment.

2 ) The wrong amount was taken from my XXXX personal checking account. {$9400.00} was deducted ( in addition to the standard {$2900.00} mortgage payment ). As a result, my XXXX account is now overdrawn. 

3 ) I have had multiple issues with the US Bank online system, which I have reported to CFPB in the past. I tried once again to contact US Bank by phone using their listed office hours from their website, but an online message stated they were not open. I sent them an email instead, but do not yet have resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Auto loan paid in full since XX/XX/XXXX XXXX.credit acceptance Corp still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate

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 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received an alert on my credit file that there was a new collection. When I pulled my report there are 2 accounts from some place called RadiusGlobal for a XXXX XXXX. I haven't been to the doctors in years, I never received anything in the mail and I no idea who this even is.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
After waiting many weeks ( early XXXX ) after submitting everything required by the mortgage lender, rocket mortgage, and only after repeatedly pestering them during the long silent interim, finally rocket mortgage and and XXXX were ready to close on my mortgage, as was I on Friday XX/XX/XXXX. Despite plenty of reiteration and generous notification, they failed to properly arrange the split signing required as the consignor and myself are in different states. This resulted in more delay on a loan that was already part of a protracted process and put financial hardship in myself, not to mention the XXXX XXXX. The companies are slow to respond, if they do at all, and don't seem to care about closing my loan. I've given them everything they have requested. The neglect and incompetence is impressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Auto loan paid in full since XX/XX/XXXX XXXX.XXXX XXXX XXXX still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: NC

Complaint narrative:
Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : US SM BUS ADMIN ODA - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion  : XXXX   XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXXXXXX   XXXX - XX/XX/XXXX XXXX  : XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/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 2020-09-01 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: NC

Complaint narrative:
Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SOLUT- XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE - XX/XX/XXXX Equifax : XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went filed a dispute for an error with TransUnion for a XXXX XXXX card that is NOT closed & shows last reported XX/XX/2020 on credit report through XXXX XXXX which also shows payments are current and most current payment made in XXXX, 2020. 

XXXX XXXX XXXX Last reported XX/XX/2020 PAYMENT HISTORY You've made 100 % of payments on time Last paymentXXXX XXXX, 2020 Payment statusCurrent Amount past due {$0.00} Worst payment statusCurrent I filed a dispute and TransUnion came back with the following : RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

That is NOT true as I am currently charging something monthly to that card ; obviously still using it. Can't use it if the card/account is closed. 

TransUnion refusing to fix 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 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used my cash app card to put a deposit down on a cruise because of Covid 19 The cruise was canceled and the refund was issued to the original form of payment. The account was closed out and the debit card was destroyed that was associated with the account. I contacted the company and asked them to forward the money to me in a form of a check.they told me that they couldn't do that but I could open up another account and they could transfer the money over.then after I opened up the account and asked them to transfer the money over they said they couldn't do it because I didn't have the cash tag that they required. I had all other personal information about the account and every time I send them an email I was told that they couldn't help me and I should refer back to the previous email.they kept transferring my email to other customer service representatives who did not help at all. So now I have a refund in the amount of {$100.00} with this company in a refuse to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Back in XXXX I got a Payday Loan from XXXX XXXX XXXX XXXX for {$300.00}. I paid this loan back in full but now I see them on my Credit Report for XXXX they said it was opened on XX/XX/XXXX I asked them to show me any Paperwork showing be wear I signed for a loan or the check that was used

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I took out my first ML Lion late last year. It was a {$500.00} loan, where {$120.00} was disbursed to me and {$370.00} put into a credit reserve. It states VERY clearly on the page where you apply that if you make your on-time payments on your loan that you will receive a higher amount for your next loan and more money available upfront as opposed to in reserves. I pay my {$20.00} a month for their service on top of the loan, made every single payment on time, paid off the loan, and then applied for a second loan. Received an identical offer. Figured that I needed to just establish more payment history and maybe would receive more, so I accepted it XXXX same splash screen that said " receive a higher loan offer/amount if you make your payments on time '' ), made every payment on time, paid it off. Went to take out a third loan and now received less money. Paid it off in full and am now receiving less again. 

I reached out to support XXXX times and opened a support ticket that has been ignored. The first two agents told me that they were escalating to engineering for review and I would receive contact in 3-5 business days. That timeframe came and passed and no one contacted me. It bears noting that I have been told at least 15 times over the years in relation to either my investment account, loan, or checking that I would be contacted by engineering and no one ever has. I think that it is an internal joke that they use when they don't know how to help a customer. 

My credit score has improved over 100 points since I took out my initial loan, I have paid off 3 loans in full with 100 % on-time payments, and paid them {$19.00} per month for the luxury of this service ( getting a measly {$100.00} every few months ), yet they are offering me less money now than before. 

The agents are now telling me that it is because my linked bank account doesn't have enough money coming in to qualify for me. This doesn't make sense for several reasons : - I receive over {$7000.00} on average per month in direct deposits, so I don't know how anyone could get a loan of more than {$100.00} in that case - Their own loan application splash screen says NOTHING about the money in your account, it is very clearly stated that on-time payments will drive a  higher loan amount with less in escrow The bottom line is that their app and website both mislead consumers into taking out a loan that will improve their credit based off of payment history and provide higher amount loans in the future, but if you actually use the product, you are spending a ton of money on miscellaneous fees on tops of the advertised APR and when you go to try to receive a higher loan, they will give you the run around and myriad excuses as to why they can't without any underwriting process or true explanation. 

I am also still being charged the {$19.00} per month for the loan service even though I do not have an active loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
Hello this complaint is towards my mortgage company Lakeview/Loan Care. On XX/XX/XXXX I received a notice from my county auditor stating one of my two parcels I own is going up for  property tax sale due to them not being paid. My loan was a USDA rural housing loan and it required all taxes and insurance be escrowed and this hasn't changed. The notice indicated the amount subject to sale was {$1000.00} which included the taxes not paid and all the penalties for non payment. I have called my mortgage company everyday but 2 trying to get this resolved. The notice stated if {$970.00} was paid by XX/XX/XXXX your name and property would not be listed in the local papers and county website stating tax payments have not been paid and now being sold at the county auction on XX/XX/XXXX. After sending the notice to my mortgage company and being told by one of their customer service people that it had been received and would be reviewed and closed by the XXXX. I made repeated calls and continued to get the run around from their customer service people and managers. They then changed the date to XX/XX/XXXX. On XX/XX/XXXX I called and asked for update and nothing again. But that customer service person told me if I paid the fee and provide proof I would get reimbursed. The following morning XX/XX/XXXX I paid a fee of {$960.00} to prevent it from being made public record because I pay my bills and didn't want the humiliation of such a post. I immediately sent the proof of payment to the customer service website as directed. The county treasure took off the most recent late fee from my mortgage company paying late for the other parcel. On XX/XX/XXXX a manger informed me that they do not do reimbursements of this type and I should not have been told that. The manager just kept saying the money was not in my escrow so there was nothing left to pay out. Told me that they will be doing a end of year review and my payment will be going up to cover the additional cost. How is this possible when nothing has changed since the day I purchased my property and home? They paid them in the beginning but stopped which resulted in the situation I am in now. How does a company get away with this?

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 2020-09-01 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: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted various documentation to Experian and XXXX that the debt reported by XXXX XXXX XXXX should be removed because I do not owe anything and the account was not removed nor was it properly investigated.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted various documentation to XXXX and Equifax that the debt reported by XXXX XXXX XXXX should be removed because I do not owe anything and the account was not removed nor was it properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
I sent a letter through the mail on XX/XX/XXXX and the company has not replied to my request of verifying the debt. 

Under the Fair Credit Reporting Act ( FCRA ), the company has 30 days to validate/verify the debt, if they are unable to verify they must remove the inaccuracies from my credit report, if not I will submit a complaint to the XXXX, FTC and I will contact my state Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I applied for a loan on XX/XX/2020 with netcredit. The advertisement online states that all credit types are accepted for quick and easy loans. I put in an application and was denied because of factors that made my credit score lower. So the overall reason for denial was my score itself. I feel stressed out enormously over an advertisement that stated quick and easy but has not been quick or easy and falsely advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank refused to refund {$1300.00} for a flight on XXXX that I purchased on XX/XX/18. The flight supposed to be round trip from XXXX XXXX to XXXX XXXX departing XX/XX/18 returning XX/XX/18. Russian immigration took more than an hour and there was only XXXX hour and twenty minutes between flights, so I arrived at the gate for my XXXX XXXX departure after the flight had left. XXXX refused to change my flight even for a fee and insisted I buy a new separate ticket because other passengers from the LA flight had made the XXXX XXXX connection. I asked and they verified that those other passengers were all XXXX citizens who were able to pass through immigration much more quickly than Americans like myself. I therefore had to buy new tickets that cost me more than the original had to complete my trip. 

I have called XXXX repeatedly over the past two years and they have never replied nor did they reply to a XXXX XXXX XXXX   inquiry. When I tried to get help in XXXX ( I speak XXXX from training in the XXXX ) I was told to speak to an agent in LA. Once back in LA I was told I needed to resolve the issue in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the XXXX XXXX XXXX and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with TRANSUNION IS SO DIFFICULT, I feel helpless to deal with this issue and get it off 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