vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
2018 opened my auto lease account with XXXX XXXX, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. XXXX XXXX did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.

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 2021-06-27 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: NY

Complaint narrative:
I have 2 Capital One Credit Cards. Earlier this year, I began to pay them off after they were past due. One of the cards I paid off in full as I had an immediate use for it. After paying the full balance, the card was unrestricted. I inquired about when the other card would lose its restriction as I was 2 months into making on-time payments well over the minimum due. I didn't get a proper answer and the rep told me they didn't have information on that at the time. This was in XXXX. I called today, XX/XX/21 to lift the restriction on the second card as it is paid off in full and has a {$0.00} balance. When I spoke with the rep today, I was told that my second card is restricted indefinitely. I asked if this meant the card was useless and they gave me a roundabout answer, so I asked if this means I would never be able to use the card again. I was told yes. I understand the payments were late, but I was never informed about an indefinite restriction placed on the card, even when asking about it a month prior. I'm now in a tighter financial situation, which I would not have been had I known I wouldn't be able to use the card since I would have made smaller payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX of XXXX A verbal agreement was made between Wells Fargo and myself to use an escrow overage that was in my account ( {$1200.00} ) along with an electronic payment from my bank account ( {$1000.00} ) to be combined and used as a past due payment. On my XXXX XXXX statement the payment was reversed and put into an un applied funds account as a credit and then debited back out. On XX/XX/XXXX may escrow balance was {$1000.00} then on XXXX XXXX my escrow balance changed to {$730.00} with no explanation. At this point a total of XXXX and XXXX had disappeared. Along with a payment of {$1000.00}. On my XXXX statement an increase of {$2200.00} was added to my loan balance as an escrow loan. So now we are at a total of {$4800.00} in missing or unexplained charges to my account. In XX/XX/XXXX a payment was made to my account to be later reversed and disappear, In XX/XX/XXXX I received a letter from Wells Fargo stating I had a {$1700.00} escrow overage that was being held. In XXXX my account was transferred to XXXX with a XXXX escrow balance.

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 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: WI

Complaint narrative:
{$70000.00} is on my credit report from the Adjustment Company in XXXX, WI. I paid some smaller healthcare bills to them before and believe they were also fraudulent. The current issue is for {$70000.00} from XXXX last XXXX. The actual bill is {$2600.00} after insurance. It should be noted some nefarious old acquaintances said they worked for this company back 2003, and would use it against me also. I believe all should be indicted under RICO. Furthermore this amount be corrected to the after insurance amount of {$2600.00}. Also, after first complaining I was then sent a barrage of other fraudulent harassing bills as well. I would like to report this as Fraud, Grand Larceny, and Identity Theft. I owe about $ XXXX in legitimate debts I will verify with an attorney and workout a payment plan once I return to work, hopefully very soon. 

Regards, XXXX XXXX XXXX XXXX mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I called BBVA in early XX/XX/2021 requesting to close my personal account, joint account and my husbands personal account. They said they could not do that and they needed us to fax the request with all of our account numbers and photo identification to XXXX on XX/XX/2021. I called XX/XX/2021 and spoke to a man named XXXX claiming that we would have to send the request by mail and the letter must be notarized. I am extremely frustrated with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I signed for Paypal Merchant Processing through XXXX XXXX  through a Paypal Sales Associate and fulfilled all the requirements to redeem the offer. Yet Paypal has yet to send my email to XXXX to confirm I have fulfilled the requirements. 

I have contacted XXXX multiple times and they said Paypal needs to be the one to send them my email address to confirm I have fulfilled the requirements so I can get credited as XXXX for the signup at Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: MN

Complaint narrative:
On XX/XX/2021 my card was charged {$8000.00}. The merchandise was not as described and I demanded a refund from the merchant of {$8000.00}. Instead the merchant credited {$7800.00} without explanation. No merchandise was received or returned by cardholder. Cardholder received photos of merchandise and it was not as described or agreed. Visa chargeback terms do not allow a merchant to assert a return policy when merchandise is not as described. 

The XX/XX/2021 charge was on my billing statement dated XX/XX/2021. I had 60 days to dispute the charge from the date my statement was received. On XX/XX/2021 I disputed the charge of XXXX ( the difference between what I paid and what was credited ). 

Capital One wrote back on XX/XX/2021 stating they credited my account {$230.00} provisionally and asked for more information. I provided all of the information asked for on XX/XX/2021. 

Almost one month later on XXXX Capital One writes back that my documents are invalid and that my complaint was not timely. 

Capital One further debits me account {$8000.00}. 

Credits and Debits : XXXX Original Charge XXXX - Merchant credit XXXX - Capital One credit XXXX Capital One debit XXXX. Total chargeback to me for this dispute. I never even disputed the XXXX. Further, the XXXX was never credited to me a provisional credit. Only XXXX was provisionally credited. Capital One has no authorization to debit my account by {$8000.00} as this amount was never disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27 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 — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I applied for XXXX XXXX XXXX with XXXX XX/XX/XXXX. They stated I could not be approved due to the wrong phone number- invalid phone number -cell phone and landline was used on this account Days since most recent inquiry is to shot but it stated it had a number of inquiries on the account- they have managed to contradict their statement about my credit Number of Inquires in the last 12 month was 3. 
I do believe that this company did not check my credit due to the fact it stated my credit report was XXXX I my credit scores with XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX where did they get these scores- I have no late payment on my account in the last 5 years They made up information just to stop me from getting credit. 
I have a XX/XX/XXXXXXXX XXXX which has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
ON XX/XX/2021 TWO COLLECTIONS WERE REPORTED FROM MIDLAND FUNDING ON MY CREDIT REPORT. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( MIDLAND FUNDING ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally has not reduced my 14 percent interest rate I have paid {$6000.00} in finance charges in 11 months of the loan. We are in a pandemic.

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 2021-06-27 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
5 COLLECTIONS WERE REPORTED FROM FIRSTPOINT COLLECTION RESOURCES ON MY CREDIT REPORT IN XXXX OF XXXX WITH DIFFERENT DATES AS FOLLOWS : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( FIRSTPOINT COLLECTION RESOURCES ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has misrepresented its loan as a simple interest loan and that isn't entirely true. Additional payments are not applied to principal, they are applied to future payment without authorization. The net result is the consumer gets overcharged. I have contacted the bank several times about this and they intentionally make it difficult, requiring a 45-minute call. The rep always says the bank will have someone go back through the account and correct the error but it hasn't happened and it has been over 90 days. 
The regularly scheduled payment is {$610.00} on auto pay and it has never missed a payment. 
Here are some examples of misapplied principal payments made in addition to the {$610.00}. 
XX/XX/2021 a {$1000.00} payment was applied as a regular payment instead of principal. They pulled {$5.00} out as interest plus the additional future interest. 
XX/XX/2021 a {$300.00} principal payment was applied as a regular payment. {$20.00} was removed as interest plus additional future interest. 

I have filed a prior report on this with the CFPB. Bank of America sent me an e-mail to contact them and I did. I left a voicemail with no response call back or email from Bank of America. 

Again, it has been several weeks and no changes have been made to the account to correct the issue.

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 2021-06-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive never had an account with the company ( XXXX ) This account has been deemed Inaccurate and has already removed once and by law, once removed cant be added back to the consumer 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 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
On XX/XX/2021 at approximately XXXX, I received a phone call from my mother about a stranger who came to her home with paperwork. Upon answering the knock on the door, the stranger asked, Is XXXX XXXX here? To which my mother responded, Who is asking? The stranger states aloud, I have legal paperwork for her from Olympic Collections - a debt collector that I need you to sign. My mother then responded, I dont know anything about this so I will not sign and I am not taking this. At this point, my father heard the commotion and interceded, stating You need to leave our home. We are going to take your license plate. ( My mother states the plate # started with the letters XXXX on a white XXXX vehicle. My parents are in their XXXX and could not remember the rest of the plate number ). The stranger then proceeds to use profane language as she walks away and speeds off from the driveway, behind my parents van, where the stranger parked her XXXX. My mother felt so humiliated as neighbors from across her home watched this strangers abuse of inappropriate power. I am writing this complaint as I feel that my rights as a consumer have been violated while my elderly parents were harassed. I am mortified that this company would use a stranger to get abusive to elderly patrons as well as share private information regarding any debt to outsiders without my consent nor any previous communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
My credit and debit card were both lost and I had to file a police report to make sure this issue is property investigated. Chime bank approved someone to buy over XXXX $ worth of goods from different sites and merchants and the information used for the billing and shipping address was not correct at all from XXXX and other merchants. So we already have proof of fraud. Chime bank makes their customers wait almost a whole 30 days to get their money back and seems like they do not even investigate the claims at all. Thats why I filed a police report to make sure its properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: HI

Complaint narrative:
My name, personal information, signatures and permissions have all been forged and/or counterfeited. I am able to account for my exact whereabouts on days signatures were forged. This house was sold WITHOUT any permissions or legitimate signatures from me. XXXX XXXX and notary XXXX XXXX are the names of individuals employed and hired by M & T Bank, to record this deed ( attached ). They swear and attest under penalty of law, that I appeared in front of them and proved to them WITH EVIDENCE on XXXX XXXX that I allow for the sale of the home. No such meeting, in person, over the phone or ANY OTHER WAY EVER OCCURRED. This is clearly fraud, forgery and counterfeiting for financial gain.

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 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I called SunTrust Bank to report that an alert from my XXXX credit monitoring said someone had opened an account in my name. I did not open the account and the representative " XXXX '' confirmed the account was still pending and that she opened an identity fraud case for me and will close the 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 2021-06-27 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$220.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I sold and paid off my home loan on XX/XX/2021 and the lender confirmed receipt of the sale and payoff of the loan. As of XX/XX/2021, I still have not received my refund in excess of {$2000.00} for the remaining funds in my escrow account. The lender claims to have sent it multiple times, but it has not been received. I have spoken with the lender multiple times and they say they are incapable of using any type of tracking number with their mailing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: FL

Complaint narrative:
I was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with XXXX XXXX, have missed work and my hair is falling out due to stress caused by this false information on my credit report.

Company response to consumer: Closed with explanation