vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I used the XXXX system to make a payment of {$61000.00} on XXXX XX/XX/XXXX from my personal account in the XXXX to a US company for medical treatment. The US company is a customer of CapitalOne NA. 

Unfortunately, the account I sent the money to have been closed previously which should have meant that the money bounced back to my account automatically. However, this did not happen. 

My bank advised the first step was to establish the location of the money using a XXXX XXXX. 

The XXXX XXXX was actioned on XXXX XX/XX/XXXX but it was ignored. It was chased on XXXX and XXXX XX/XX/XXXX but these attempts were also ignored. 

When I contacted CapitalOne NA on XXXX XX/XX/XXXX via XXXX messaging using the account @ AskCapitalOne as I could not find any other route, they said XXXX XXXX 's to reach out to the sending bank for an assist. On XXXX XX/XX/XXXX, the same account said we recommend working with your bank to determine the best course of action. 

On XXXX XX/XX/XXXX CapitalOne responded asking my bank to provide a Recall Request and saying FUNDS WERE APPLIED PER YOUR INSTRUCTIONS TO AN INCORRECT ACCOUNT. This is not correct. @ AskCapitalOne confirmed on XXXX XX/XX/XXXX that CapitalOne does not recycle closed account numbers, so the funds have not been applied per my instructions as the money can not be paid into a closed bank account. 

On XXXX XX/XX/XXXX my bank started the Recall Request to ask for the money back. CapitalOne NA ignored this. They also ignored chasers on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

I also have the result of a XXXX XXXX tracker which shows that CapitalOne NA received my money. 

To summarize, CapitalOne NA did not follow the original XXXX instructions, has refused to discuss the matter with me and ignored my banks attempts to resolve this and as a result have kept my money for medical treatment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
I have direct express which I can't access my online banking for cars correct email and password reset email not received I called they said they would call me in five days I just want my online account closed due to privacy concerns I already receive paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
BB and T apparently was purchased by Truist and I received a notice of short escrow by {$590.00} and I called BB and T and was told Truist was the holder now and I asked to have someone call me back, but without me being notified on XX/XX/28 They auto drafted out of my account {$590.00}, I feel they should have told me they were going to auto draft that out before they did that OR given me the opportunity to just allow the monthly payments to increase, but to have no notice that they did that seems to wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I obtained the mortgage from RocketMortgage ( then Quicken Loans ) in XX/XX/XXXX. The escrow portion was used based on historical tax payments -- correct and obvious. In early XXXX, I qualified for a homestead exemption for my county ( XXXX, GA ) which I knew was likely. I also qualified for a senior exemption which I didn't know existed. Those two exemptions reduced my county taxes by nearly $ 3000/year. I notified Rocket then, and I was told that they couldn't make the change in the first year but as soon as they made the first payment at the reduced level, they could make an adjustment. That happened in XXXX of XXXX. Then I was told they would review the change in XX/XX/XXXX and adjust accordingly. 

They just issued a refund of $ 2900+ for XXXX. However, the escrow amount they have proposed has increased rather than decreased. I complained and was told by " XXXX '' -- assuming their online customer service names are even real -- that they had no evidence that the lower rate would stay in place for this year. 

They are either extraordinarily incompetent or are intentionally over charging me. Paying back the money a year later with no interest in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already submitted a report via the CFPB and Equifax responded that they " did an investigation and will mail the results. '' However, none of my information was corrected, I never received a follow up, and they actually mailed information to the wrong address under my previous name. The prior complaint is as follows : I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak English well, and will start using my old incorrect name when they learn I've had a legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Just because I'm XXXX a slender in my name they being preference on at the end pertained to say that I use their account fraudulent when they gave me some money that they couldn't even explain how it got in my account they try to play me use me misguided me because I'm just able and I know always understand how a system can say that I got some money in my account if I don't have nothing in my account they try to use a room amount to say that I still have the mouth in my account I thought it was for the they are advantage to get back the money that they lost between the government and the people that sue them in the past history they are a bad Bank they need to be shut down and penalized for using their system against the person that set up account with them they doing bad business the new CEO XXXX & XXXX the inventors of the Bank trying to capitalize on this small investors that actually deposit make transactions and keep on making deposits they come up with errors in a system like they don't know they make false statements and summaries of past history it just don't add up at the end of the day and I got paperwork and alive witness that was with me to hear all the wrongful and unpertaining professionalism paperwork and a conversation with a branch manager seem like they just don't know what they talking about in the business terms of the bank 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I was reviewing my end of year for a cahecking account I rarely use. I noticed some charges for XXXX for Experian. I went back and did deeper review and found out Experian has been charging me for some credit monitoring service I never used. I called Experian and was told that the signup had occured in XX/XX/2021. Basically it was a unchecked box in some other service that allowed them to bill me for something I never intentionally signed up for. I contacted Experian and the offered a 1 month refund of XXXX. I then spoke with a supervisor and they offered 2 months of refunds. I said that was unacceptable, they said that all the can do and disconnected the call. I then contacted my Bank to file a dispute, the bank has said they can only offer 3 months of refunds. Anything else they are not legally allowed to do as this is linked to a debit card. They suggested I file a complaint and pursue small claims court action. I had 11 total charges for {$14.00} each for a total of {$160.00}. Experian has refunded 2 payments at a total of {$29.00}. I am still owed {$130.00} for a service I never intended to sign up for and never utilized. I have attached a list of the charges, the two highlighted in yellow have been refunded.

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 monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
XXXX XXXX. And I believe my right as natural person are being taking advantage of by this car company. They have harassed me every day since I fell behind in covid19 pandemic. I've paid portions the best I can ask for help nothing from government agencies. Santander consumer credit is the name of company that's harassing me every day they say I owe XXXX I believe it's less. Please help if possible thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

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 2022-03-08 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: NY

Complaint narrative:
I submitted written documents stated. I have no knowledge and I have not authorized inquiries 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX am a victim of identity theft.

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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX am a victim of identity theft.

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 2022-03-08 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: TX

Complaint narrative:
I, XXXX XXXX am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I askedcompany to cease and desist at least 3 times by mail, they are still sending me letters in regards to the debt. I asked company to validate debt over 3 times, they couldnt. They are still reporting debt and in violation of the fcra. I would like debt removed and settlement in regards to their numerous violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
I submitted written documents stated. I have no knowledge and I have not authorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted written documents stated. I have no knowledge and I have not authorized inquiries 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 non-monetary relief
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
I have submitted disputes through XXXX  and equifax. The loan shows as closed on my XXXX  report and it was paid off in XXXX of 2021. On my Equifax report the loan is still open with an unpaid balance. Both are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage doubled our mortgage payments from approximately {$1800.00} to {$3600.00} beginning the month of XX/XX/2021. I tried calling to reach someone to discuss and received telephone prompts. As I continued to follow the prompts, I was given an option to pay either a minimum amount ( {$1800.00} approx. in which was our regular payment amount ) or the new payment amount ( {$3600.00} approx. ). 
After paying the minimum amount we eventually found out later that the amount we paid was placed into an unapplied funds account and not credited to our mortgage payment. This led to a credit reporting for missed payment. We disputed the report to no avail. In the meantime we spoke with several representatives whom sited that the payment increase was due to property taxes not being accurately calculated for XXXX. We did get a payment reduction after our negative escrow balance was spread out over time. Yet, we are still faced with a bad credit reporting, in which dropped our credit scores substantilly. 
We've continued to try and get this resolved with the company, in regards to the miscommunication as to their telephone prompter. However, someone in their XXXX XXXX office pretty much called us a lie in regards to the telephone prompter. However, she did go on to say that they working on getting our mortgage payment reduced even further than the recent reduction, we're still waiting on that. As of now noone returns our calls. Whenever we do reach someone, everyone seems confused ( No notes!! ).

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 2022-03-08 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: FL

Complaint narrative:
I have Hard inquiries on my report that i did Not authorize at all! 

XXXX - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MO

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} CXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX MISSOURI ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} CON XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} SXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX AXXXX XXXXI XX/XX/XXXX OXXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXL 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NM

Complaint narrative:
I had a square app for a buesiness that I was startingXXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened up a square account. I made a charge on XXXX XXXX XXXX for {$1400.00} this was my own credit card to pay my employees and bills. The next day they suspended my account temporarily until I provided additional information I provided their information plus additional information I gave them a notarized letter saying that there will be no charge back because this was my credit card I charged they reopen my account and I was able to transfer some of it to my linked account and then made a charge to XXXX and then that evening all of a sudden they said we're going to deactivate your account now you have to wait 90 days to get your {$500.00} back this is to protect us against chargebacks I said I gave you a notarized letter saying that there will be no charge back because this was my card and you guys accepted that but now you are not and they said oh well our decision is final and we're going to hold your money for 90 days regardless there is no disputing this our decision is final and they've been keeping my money unjustifiably I said man you guys are going to be held liable because I have a car payment now they repossessed my car because they held my funds that I use for business and they refuse they say our decision is final we don't care about your letter and I told them this was the only charge so I told them there is not going to be a chargeback so what justification do you have to continue to hold my funds after that they stop sending me emails or any correspondence but they keep playing with me everyday sending me email saying instant transfer your money and then it says link disabled but they said I can have my money XX/XX/XXXX which makes no sense I want it now

Company response to consumer: Closed with explanation