vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have My Account on Hold for 5 months, I Can not receive or deposit any money on My Account. Capital one Wants to Close My Account but they don't Want to Return the XXXX and XXXX cents That was Left in My Account. I Contacted Capital one and the explanation they gave me was That I did not Qulified for the PP Loan. I Have Proof on Paper Work That I was accepted for the PP Loan and I was also forgiven for the PP Loan. I Have Co workers that was also forgiven for this Loan with a different bank. Cleary Capital one is the Only Bank given People this Problem. I am very sick with XXXX I have a Family and I am in Need of the Money I Left in My Account. Please Contact me at XXXX or at my Email XXXX for any further Question ore Proof, Thank You and Godbless. Sincerly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Reviewing my account at late payment is incorrectly reported for XX/XX/2018 as well requesting correction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
We received a loan and our first payment was due XX/XX/XXXX. The amount was mailed with the temporary mail stub we received at closing and cleared our bank on XX/XX/XXXX. Payment sent to CrossCountry Mortgage LLC XXXX XXXX XXXX, XXXX Ohio XXXX. 

We notified the service provider in XXXX that the payment was not reflected even though it cleared our bank account. A copy of our bank statement was provided to the service. 

Our second payment was due on XX/XX/XXXX. It was paid on time, however the payment credited to XXXX and our XXXX payment was reported as not received. As you would expect the process has continued. After receiving no communication from the loan services ( except for statements that do not reflect the payments properly we are looking for additional support ). Even though we filed written complaints with the service provider we now today received a delinquent notice dated XX/XX/XXXX. We are at our wits end. Perhaps you can get someone attention at Cross Country Mortgage , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im very concerned with Experian and their investigation into my dispute regarding a late payment for XX/XX/2018 Ive attached the pay grid for XXXX and XXXX which clearly show I wasnt late that month. Although this occurred in 2018. I still want the payment toreflect properly. Please remove late payments

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 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Someone sent me money on Venmo XX/XX/18. I open an account and was unable to transfer funds. My account is frozen. I provided required documentation but Venmo refuses to send money back to sender or unfreeze account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
I opened a claim at the beginning of XX/XX/XXXX about a hotel committing fraud, posting an advertisement of free nights upon longer stays with misleading information that lead to my booking and stay at their facility. After inquiring with the owner of the hotel XXXX XXXX, who did not back up his false advertisement, I contacted my credit card company who advertised the protection of fraud and traveling purchases for their consumers of their XXXX XXXX XXXX XXXX After almost a year of battling with my card company, providing a substantial amount of documents, evidence and any information requested, they continue to not assist me. I have reported this to the XXXX  and have written a letter to corporate of Capital One where I was told to by an agent when I was told it was now past the time frame of when the charge was made. I havent heard back and I was even given false advertisement, from an agent whom I spoke with on XX/XX/XXXX who asked me to upload a second opinion letter to reopen my case, to which I complied. After getting another letter stating can not assist, I called again to speak to a manager at the dispute center where she specifically said, the previous agent gave me false advertisement and should have never reopened my case, asking me for those documents when regardless it was going to be rejected. Not to mention, the letter I received as to why Capital One could not assist me was because, it lacked all previously requested information, not because it was past the time frame therefore already giving me false information. I have wasted many hours and have tried to follow all the proper steps to have my fraudulent charges settled with very little help from my credit card company. I was told there is no one else with whom I can be transferred to for them to help me so I am reporting it here in hopes I can find assistance resolving my dispute case and for reimbursement of my charges with interest that has been charged to my account for the past year. I no longer have used their card and do not wish to use them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: IL

Complaint narrative:
On my credit report it says Im retired and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im XXXX  XXXX or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
To : XXXX XXXX ( The House Appraiser ) & AmeriSave Corp ( lender ) RE : House Appraisal Reconsideration Pursuant to HUD, U.S Department of Housing and Urban Development Fair Housing Equal Opportunity ACT, Federal Trade Commission, it is unlawful to discriminate a house appraisal based on race, XXXX, religion, national origin, XXXX, familial status, and XXXX. 

Upon having an independent licensed Appraiser for the property on XXXX XXXX XXXX, XXXX CT XXXX on XX/XX/2022, the value of the property in question was found to be between $ XXXX - $ XXXX. Therefore the current market value for this property is $ XXXX and not $ XXXX. Legally speaking the difference between the two appraisals performed within 3 days apart is extremely enormous and is worthwhile to be reconsidered. Please reconsider. 

I sincerely ask that we resolve this issue amicably and in the most civilized form comfortable to both parties. This appeal for House appraisal reconsideration is only good until XX/XX/2022. If no action is taken or if there is no consensus ad idem ( meeting of the mind ), l will therefore assume that legal proceedings will be our only remedy. Please note : This is NOT a threat to anyone but only communicating my concern regarding my house appraisal dated XX/XX/2022. 

Thank you for your consideration in this endeavor. May God bless America.

Yours sincerely, ( Borrower )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Hi my name is XXXX XXXX. I deposited some winnings to my US Bank account from my XXXX account. Soon after, somebody had compromised my account and stole all of my money. My card was stolen from me and also my phone. Somebody was literally able to go in the branch and withdraw all of my money. I was crying so much because Ive never lost this much money before and I was so lost and did not know what to do. I quickly contacted my bank and told them of the fraud I discovered and was assured that I would get my money back. Once my claim was filed I received some documents via mail which a few representatives had advised me ; to fill out EVERY SINGLE DOCUMENT. So I did just that. It is now about to go on 2 months almost without my money and Ive been calling the bank constantly about it. So I call today for an update and he says I have some bad news I see you signed the indemnity agreement. I was like why is that bad news. He said well that holds the bank not responsible for future claims. Then I asked well what about the current claim. He said the current claim the bank still will pay but any future lawsuits you basically just waived your rights I feel like I was baited into signing this agreement because it is not clear and is purposely put at the end of all the documents that were sent to me. He did tell me though ; that my current claim was still in works but also to me that IF HE WERE ME HE WOULD HAVE NEVER SIGNED THE INDEMNITY AGREEMENT. So now I really feel bated into signing something that was not a clear document. At the end of the day $ XXXX XXXX dollars was stolen from me when I feel the bank could have done more to PROTECT ME. All I want is my money back and nothing else to do with US BANK because I have been treated so unfairly throughout this whole process.

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 2022-03-25 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: MI

Complaint narrative:
XXXX XXXX XXXX, These are the dates I submitted written dispute letters to Equifax Credit Bureau regarding XXXX XXXX XXXX reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Submitted the following : XX/XX/2021 Letter to TransUnion updating personal information and removing names I am not associated with. Transunion is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to Transunion and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to XXXX asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to TransUnion to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, Transunion and XXXX to validate information on the report. ( XXXX ) No response as of today.

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 2022-03-25 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: UT

Complaint narrative:
I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX//22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX Bank Credit Cards pulled my credit report. I do not recognize this inquiry, I did not authorize this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX-2022 I seen a warning notification/message about how to prevent fraudulent activity a week after I opened my account, I ignored it because I didnt know what they were referring to. There wa no message or nothing and no one over the phone could explain to me what the message was for. And Nothing on my account was fraudulent. I had set up direct deposit with Citibank on and transferred over $ 3k on XX/XX//2022. I got a text message that was dated XX/XX/2022 asking for me to click on the link and log in to prove who I am before my account closes on the XXXX of XXXX, when I received that text it was already the XXXX of XXXX. I called Citibank and they said they never send out texts messages and to ignore it because it is fraud. So Ive tried logging in to my online account with them, and after I signed in it asked me to provide them with my debit card number and last 4 of social. Everytime I did that it kept on telling me that it did not recognize me. I called citibank again on XXXX to see what is going on with my account and my direct deposits from my job. They kept telling me that there is a block on my account and that they have to transfer me over to a department who could release the block. They transfer me and the phone agent tells me that my account is closed, read off some long script about a decision that was made to close my account and then hang up. They still have my check pending when they told me my account is closed. Theyre refusing to tell me how to go about getting my money, and when did they close out my account. Nobody is telling me where my other deposit of $ XXXX went. I am just tired of calling them everyday and just to get the same response every time. They never let me speak to a supervisor or someone in the fraud department, it is always a regular agent who is assisting me and acting as if I am some type of criminal and like my hard earned money from my job isnt mine! I havent recently any letters or emails from them to say my account was blocked, on hold or is closed. I can not provide any documentation since they blocked my account, I could no longer sign in to my online account.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I enrolled in a Marcus Bank ( by Goldman Sachs ) promotion on XX/XX/XXXX that, depositing {$10000.00} into my online savings account for 90 days and getting a {$100.00} bonus. I originally had {$5000.00} in that account before the new deposit and had set up a recurring transfer the {$5000.00} out and in to keep the account active. I never withdraw the {$10000.00} new money that I deposited on XX/XX/XXXX, and my account balance never fell below {$10000.00}. However, today the Marcus Bank representative told me because I moved the original {$5000.00} ( that's not related to the {$10000.00} new money ) in and out, I lost the promotion. That's unfair because I never touched the {$10000.00} new fund, I only moved the {$5000.00} that's already been in the account long before the new deposit happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage was sold to Loan Care several years ago. After the COVID pandemic, Loan Care mailed me documents to facilitate lowering my monthly mortgage payment through a program they call a Flex Modification. I called Loan Care and told the representative that I accept the Flex Modification offer. I then set up automatic payments in the new monthly payment amount to Loan Care from my credit union account. After 3 monthly payments were received by Loan Care, I received a notice from Loan Care demanding that I pay the last 3 mortgage payments plus the next month 's payment to avoid foreclosure on my home. When I called Loan Care to find out why all my payments were ignored, the representative stated that each of my mortgage payments were XXXX cents short. For XXXX cents, they are threatening to take the only house I've ever lived in. I have called them multiple times, yet they claim that my poor eyesight that couldn't distinguish between a XXXX and an XXXX makes no difference to them. Now they are demanding all 4 payments to be sent to them yet they refuse to credit my account for the 3 payments they received from me that were each XXXX cents short. 
Please provide any guidance you can to help me save my home of XXXX years. Thank you.

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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a forgery case. I made/wrote a check through my bank account with Capital One ( to Person A ). The check was sent ( to Person A ) via mail/USPS and it got intercepted. The person who intercepted my check ( Person B ) cashed my check at a XXXX XXXX XXXX for a big amount which I would expect XXXX XXXX together with Capital One to follow security protocol and not just release a big amount of money to any individual. I filed a claim with Capital One on XX/XX/2022. We are about to hit 3 months and neither has XXXX XXXX nor Capital One have made me whole again. I have provided all the documentation that XXXX XXXX has requested ( Affidavit of Person A testifying that they never received my check nor cashed it, A letter of Circumstance, a Police Report, Texts, photos, emails ) through Capital One 's Investigator and I have not received my stolen money back or made whole again. I don't understand how my hard earned money was given to the wrong person in a few minutes, yet I have to work hard, provide evidence, and wait for almost 3 months and I still don't have my money back. To top it off, XXXX XXXX has a bad reputation and bad background when it comes to handling money and stealing from their customers - I don't understand how they are still able to conduct business with such history. All I want is to be made whole again as this situation has not only made me sick/ill with stress, but I have missed on the opportunity of using my money for projects I had already planned for. I would like that both Capital One and XXXX XXXX be contacted and requested to make me whole again as soon as possible.

Company response to consumer: Closed with explanation