vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
- this is my second complaint because the first was responded to but not resolved : -XXXX ) how can you hold a payment for XXXX days when it is made VIA the Capital One app from a Capital One 360 Bank account to a Capitol One Credit Card? 
XXXX ) XXXX days is exorbitant- especially for a payment from CAPITOL ONE TO CAPITOL ONE : a check clears IN 5-7 business days - how can you hold a direct transfer for XXXX? 
- I follow all the guideline for making payments : on time as ahead of time, from the same account, from the CAPITOL ONE TO CAPITOL ONE VIA CAPITOL ONE! 
Im not asking for more credit - Im asking to have the hold released on my payments and whatever flag is on my account to be taken off. 
- Tell me the actual reason or instance that my payments triggered a flag operation for a XXXX day hold on my account- not the general information. According to their own paperwork I follow their procedures exactly. 

That is an absolute non response : my issue is that I HAVE MADE ALL MY PAYMENTS ON TIME AND WELL AHEAD OF TIME VIA A CAPITAL ONE BANK ACCOUNT IN THE SAME MANNER AS I HAVE SINCE I HAVE ACQUIRED THIS CREDIT CARD FROM CAPITAL ONE : There is nothing in their agreement that would trigger a hold on my account. How is a XXXX day hold on applying the payments that have cleared through my CAPITAL ONE BANK ACCOUNT TO MY CAPITAL ONE CREDIT CARD that I paid via The CAPITOL ONE APP -a reasonable or rational action? I am not asking for a credit increase of these payments : I am asking for and expecting my payments to be applied in a timely manner. My issue is with the length of the hold and their total unresponsiveness to this issue, as well as the fact that since the hold is for so long it affects my credit score as it is seen as I am utilizing the entirety of that line of credit - even though it has been paid off. How is that a fair response to the consumer? This hold has also caused me undo stress and lost time due to the fact that I relied upon this card to pay monthly bills - of which now I have to check all my accounts and adjust accordingly because there is a hold on my account. I plan on reissuing this complaint. 
It does not address the complaint of applying my payments in a timely manner or the fact that the payment is from with in their own companies ecosystem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX EXETER FINANCE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXE XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CORELOGIC INC
State: TX

Complaint narrative:
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit 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 2020-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have recently sent a dispute over to Capital One Auto finance due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in XX/XX/XXXX. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XX/XX/XXXX, and XX/XX/XXXX. I have recently printed off my credit report and it shows my payment history.

I wanted Capital One auto finance to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and Capital One Auto finance. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with
letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding Capital  One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I AM FURIOUS WITH CHASE BANK. I RECENTLY GOT APPROVED FOR THE SBA EIDL DISASTER LOAN, AND THEY ARE HOLDING MY MONEY  XXXX, THEY FROZE MY ACCOUNT AND ARE NOT RELEASING THE FUNDS WITHOUT AN EIN NUMBER. I EXPLAINED NUMEROUS TIMES THAT I AM A LICENSED ESTHETICIAN AND I AM SXXXX XXXX, I QUALIFIED FOR THIS LOAN AS A XXXX XXXX INDIVIUDAL I DO NOT NEED AN EIN NUMBER TO OPERATE, THEY ARE MANDATING AND MAKING THEIR OWN REQUIREMENTS WHEN THEY ARE NOT THE ONES ISSUEING THE LOAN, ABSOLUTELY RIDICULOUS. I NEEDED THIS LOAN BECAUSE OF THE ECONOMIC DISASTER, AND I LOST SO MUCH BUSINESS BECAUSE I HAD TO CLOSE DOWN AND COULD NOT WORK SINCE I AM CONSIDERED NON ESSENTIAL AND BECAUSE OF THIS I AM PAST DUE ON MY RENTS MY BILLS. THEY ARE SO INCONSIDERATE AND ARE NOT EVEN WILLIGN TO LISTEN, THEY ARE REPEATING THE SAME THING LIKE A ROBOT AND ARE REFUSING TO RELEASE MY FUNDS WITH THEIR OWN REQUIREMENT THAT THEY MADE UP. IF SBA IS NOT REQUIRING IT AND THEY ARE THE ONES WHO DETERMINE ELIGBILITY WHO ON EARTH IS CHASE TO MAKE THEIR OWN REQUIREMENTS AND HOLD  MY MONEY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/20, I sent a Cash App of {$120.00}, to someone that lost their Cash App card. On the very same day, she contacted them regarding the lost card. They explained that the money would be refunded to my bank account within 5, working days. We've made several attempts at resolving this matter, requesting that the money either, be returned to my account or, the receiver. Each time Cash App advised that we did not respond in 3 days, therefore, we'd have to contact them again.Presently, I've been advised, that the money can't be canceled or refunded nor, can the receiver collect the funds because, she lost her card. So far, I'd never received a valid answer to the refunding of my money. Any assistance in this strenuously, frustrating matter would be deeply appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I fell behind on my mortgage last year because of unexpected medical due to a road accident, I tried working out on options to catchup on my mortgage payments with my mortgage company, they don't seem to help me in any way, I was turned down for a loan modification in the month of  XXXX stating they can't give me a loan modification.

I only need a chance to start paying my mortgage, I currently owe close to {$36000.00} in arrears, and I need a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/2020 : I called the company Westlake Financial to ask for a reduction in the interest to allow for lower payments but they refused. 

XX/XX/XXXX : Called again stating that I could not pay the amount but they denied again and only offered to defer the XXXX payment. 

XX/XX/2020 : I could not make the payment so they reported me to the credit Beaureu which really messed up my credit which I am trying to protect.

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 2020-10-21 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
There are 2 fraudulent Collections on My Credit Report that are still  reporting. They are LVNV Funding, and XXXX XXXX. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: FL

Complaint narrative:
I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

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 2020-10-21 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:
I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. XXXX/Equifax/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Good day : After waiting 3 months of unemployment payment. I was finally deposited. On XXXX XXXX. On the same day I made a couple of payments and Transfer some money to my wife 's account. 
Minutes later my account was frozen. When I call customer service for help. 
They told me that there's suspicious activity. They ask me for my personal information regarding the bank account. 
After that they told me that my account was close. They didn't explain why? and that they were going to send me a check for the entire balance in about 10 days. 
After 2 weeks of waiting for a check. I call back and told me the same thing. 
" To wait another 10 days ''. 
It was 2 months when they finally ask me for my proof of unemployment. 
I went to a branch and gave them the Paperwork. They image the paperwork and save it. A very kind lady help me and told me in 5 or 7  days my account will be re-established. If not to call back the online support. 
Since then every week all I hear Its keep waiting. 
Now It's the 3rd Month. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased something through a seller on XXXX XXXX but the whole transaction was made via paypal. I paid {$100.00} on a product using paypal, not knowing that the seller was a scammer and did not send me the product hence he got my money and his phone is no longer active. He stopped replying to me and just took my money. I appeal this claim through paypal asking them to help me out because i got scammed, but they said they are not able to do it for me. XXXX XXXX XXXXXXXX also said that it should be paypal who needs to fix my problem not them. Please help me out as i dont want these scammers to find another victim while Paypal was just denying to help me as well as hundreds of their consumer who got scammed through their platform. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I deposited a cashiers check for {$240000.00} to Bank of America as a Principle Only payment to my HELOC. The money was never applied to my outstanding credit line and the bank still to date has not fixed the problem. I have spoke to 3 Banking Center Managers, 4 associates at the customer service number, one Assistant Banking Center Manager, and even the Market President. 16 days the bank has held my money and not resolved the issue. This is completely unacceptable and against the law. No accountability among associates and it appears that there is lack of controls in place with the Bank.

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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a customer of Suntrust for 2.5 years. I have worked for the XXXX XXXX for 28 years. Since having my checking account with Suntrust I have always deposited my payroll check either through the ATM or via mobile banking. The funds were always available the next business day. The last two paychecks have been held for long periods of time and nothing about the check itself has been changed. It is still a payroll check and not having access to the funds resulted in additional fees and bills going unpaid. I contacted the bank several times to be told there was nothing that could be done.

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 2020-10-21 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: MA

Complaint narrative:
A hard inquiry has been placed on my Equifax credit report which is not mine. I disputed it as fraud with Equifax online, several times, and they keep sending me back the same results, no change. I contacted the company and they said I have to go back to Equifax. 
I am tired of the run around. I never applied for anything with them. 
Here 's the company 's address : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Reported XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Loan servicer had to place insurance on property for 30 days and notified me I owed {$36.00} to reimburse them for this. I sent in the {$36.00} to them on XX/XX/2020. They then sent several letters, stating that I had not paid the amount and my monthly payment was going to be increased. 
I called on XX/XX/2020, and complained, they said they showed the {$36.00} payment in the system from me, but had not applied it to my shortage. They then said they would check it and left me on hold for an excessive period of time. I had to return to my work or risk discipline from my superior at work. 
I have tried to do the right thing here and they have taken my money, not applied it, then are threatening me with action against me, due to their failure to apply the payment properly. 
They should not be allowed to service loans. Please do not close out this matter without my agreement, even if they claim it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/20 blocked number MCM called my work XXXX I told this company they are calling me at work and I am not allowed to take personal calls at work. The woman on the phone kept talking over me. I repeated do not call me at work. Do not call me on this phone number, I can not take calls on this phone number. 

XX/XX/20 XXXX XXXX MCM Called and talked to two other employees here on XXXX. Asked if they were me and kept repeated they are on a recorded line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I became aware that someone used my email address to create a PayPal account, which they then added my debit card to and processed fraudulent money transfers. I have been locked out of that email account by the identity thief. I have no access to the fraudulent PayPal account, and I can not get in touch with PayPal to resolve this matter. I have attempted to call them three times, and they do not have any live customer service agents to speak with. All the automated system does is direct you to go online to the help center. However, the help center requires that I log into the fraudulent PayPal account to request assistance. As previously mentioned, I did not create this account and have no access to it or the email account used to open it. I have also written a letter to PayPal explaining the situation and requesting a callback. The letter was received by PayPal on XX/XX/2020, but I have not heard from anyone. I just need help from a live PayPal representative to close the fraudulent account and ensure that I do not owe any money.

Company response to consumer: Closed with non-monetary relief