vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: VA

Complaint narrative:
On XX/XX/2020 a payment of {$500.00} was made on our HELOC. This payment was accredited on that date and immediately withdrawn. Bank of America has keep the {$500.00} and has not credited the account. Bank of America has stolen {$500.00} from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 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:
XXXX XXXX was supposed to send {$300.00} check to my sister, because of some deal they did. Instead of sending {$300.00} check he mailed her {$2000.00} check. He gave some excuse and told my sister to deposit the check and transfer the rest {$1700.00}. My sister did not have an account so I created a capital One money account for her under my primary account and deposited the check. After a couple of days when the check deposited and it was spendable I send him the money through capital one XXXX  money transfer service. Then after couple of days when I checked my bank account online the bank freeze my funds. When I called the bank they said that the check that was deposited got rejected and now it's my responsibility to pay the balance. Which I don't understand because I only send the money because the bank verified the check and it was deposited and they let me spend the money. So I think it should on them not me. So please help! 

the {$2000.00} check was deposited on XX/XX/2020 send {$1700.00} to XXXX XXXX on XX/XX/2020XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NJ

Complaint narrative:
this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I request verification from a debt collection agency about a consumer debt I'am disputing. A certified letter was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Greetings, I am a customer of CapitalOne, XXXX and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
This is concerning my Cash App account. I have ( 2 ) transactions of " cash out '' one dating from XX/XX/XXXX for {$480.00} and the second one dating from {$200.00} on XX/XX/XXXX. When checking my bank account a few days ago I saw that these were never deposited into my bank account. I originally had a chase account listed and made deposits into them in the past. Now there is some mysterious bank account with a routing number XXXX and account number XXXX, which does not belong to me. How did this bank account get into to my cashapp account? After noticing this issue I checked my wife Cashapp account and her 's also list some mysterious bank account with the same routing number and account number XXXX. I contacted Cash App over two days ago and they have been unresponsive with basically copy and paste replies. They still have not addressed these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NJ

Complaint narrative:
this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NJ

Complaint narrative:
this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX has placed a collection on my credit profiles claiming that I owe {$180.00} to XXXX. I've never had an account with XXXX before.

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
On or about XX/XX/XXXX, I contacted LoanCare , LLC regarding cessation of my PMI payments because I had reached 80 % of my loan amount. 

I purchased my condo in XX/XX/XXXX with my first loan payment becoming due on XX/XX/XXXX and, as of XX/XX/XXXX, I had paid down more than 20 % of my loan. 

Instead of stopping the PMI payments, XXXX sent a form to me so that I may pay to have an appraisal done to the tune of {$400.00} to {$500.00}. My loan will be paid off by XX/XX/XXXX. If I just let them continue to steal {$13.00} a month from me in PMI payments, the amount LoanCare would steal from me is {$260.00}. 

It seems very unreasonable, not to mention really idiotic, to me to pay $ XXXX {$500.00} to stop LoanCare from taking {$260.00}. 

As of this date, my current loan balance is {$43000.00}, the original loan amount was {$75000.00} and the condo appraised ( in XX/XX/XXXX ) at {$84000.00}. I have serious doubts that the condo has depreciated much since XX/XX/XXXX. As a matter of fact, I'm pretty sure it has appreciated since then. We're talking months here! 

I contacted the XXXX XXXX XXXX but they said this complaint is out of their realm so I am reaching out to CFPB in hopes of having this ridiculous charge stopped.

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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX has placed a collection on my credit profiles claiming that I owe {$180.00} to XXXX. I've never had an account with XXXX  before.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: WI

Complaint narrative:
We had an old XXXX account held at Benefit Wallet ( Bank of New York Mellon is the " custodian '' ). The balance was {$.00} and there were no fees owed on the account. I called to have the account closed because we no longer use it. They told me that the balance would be " XXXX out '' after closing the account. I asked if that meant they would electronically transfer the remaining balance to our personal bank and they said " no, it just gets XXXX out ''. Meaning they just keep it! Now while I don't care about my XXXX cents, it does seem wrong that a bank ( who serves thousands of people ) can just keep the remaining balances when a customer chooses to close an account that is in good standing with no fees owed! 

I asked what would happen if I just let the account sit there with the XXXX cents in it. They said that it would start incurring fees once we are no longer associated with the employer! So they really leave people with no choice! Again, XXXX cents is not worth fighting over. Neither would it be if it was XXXX cents. But in either case, most people would probably do what I did and just say it's not worth fighting over. Now multiply XXXX cents by a XXXX or more and suddenly there is a whole pot of money somewhere in that bank that doesn't really belong to them! How can they do that? 

I've worked at a bank and never would we be allowed to keep even a XXXX of someone's money when they close an account ( unless there were fees owed on the account ). Every cent needed to be accounted for. So how does this bank account for the money that they 'XXXX ''?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: GA

Complaint narrative:
ACCOUNT IN ERROR. 

XXXX Account # XXXX EXPERIAN and XXXX  have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the Credit Grantor XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, EXPERIAN still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated EXPERIAN account from XXXX showing how EXPERIAN is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims! 

This fraud is severely hurting my mental and financial well being, especially during this pandemic! 

I NEED this account COMPLETELY removed from both EXPERIAN and XXXX  expeditiously! 

Thank you for your compliance in regards to this request of dispute of any and all account errors!

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 2020-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This account is not accurate and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted a complete loan application with the 6 required data elements that would require initial disclosures to be provided within 3 business days to Chase Bank. On XX/XX/XXXX, I provided all required financials and documents that the loan officer initially requested. This took 3-4 hours to gather the required information and complete the application. 

I did not receive the required disclosures within the required time frame, and finally on XX/XX/XXXX I followed up with the Loan Officer. I did provide the CFPB link to him indicating the regulatory requirements for disclosing. He responded letting me know that I would receive them the next day and did not acknowledge the violation. On XX/XX/XXXX, I still had not received the required initial disclosures. At that point I contacted him and let him know I would like to cancel my request. If there are NO controls operationally to ensure that disclosures are provided within required time, why would I want to continue working with them. Spending everyday asking for updates to my loan is not something that I ( or anyone ) has time for. I work in the XXXX XXXX XXXX XXXX XXXX XXXX, and understand how system controls should be in place around timelines to ensure they are met. I have serious concerns that this is a pattern for Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: The Outsource Group, Inc
State: NM

Complaint narrative:
Referring to my complaint XXXX. Medicredit agreed to delete collections on my credit reports. These accounts are still showing up on all but one reporting agency.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Today XX/XX/XXXX I received an email from XXXX  XXXX  that my credit score changed, I checked my changes and it said my credit limit decreased from {$1500.00} to {$590.00}. I contacted Synchrony bank and asked why was my limit decreased and the rep told me because the credit bureaus reports my credit score to them monthly. I never gave them permission to check my credit without my knowledge, my balance is {$570.00} with a new limit of {$590.00} and this XXXX it look like my utilization is high. I contacted XXXX  and asked them if they report credit scores to creditors and I was told that they do not. I see a lot of customers complaining that synchrony bank is decreasing limits because of the pandemic. I feel as if this is unfair to me and now my credit is suffering.

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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

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 2020-10-29 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: OH

Complaint narrative:
I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! I want this off my credit asap! 

yall keep saying yall are doing a internal investigation but are saying it is factual information how can fraud be factual information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NY

Complaint narrative:
THE MORTGAGE ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND NOT VERIFIABLE. I DO NOT ACCEPT OWNERSHIP OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Greetings, I am a customer of XXXX, CitiBank and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TN

Complaint narrative:
upon reviewing credit reports from all 3 agencies I noticed a bunch of unknown inquiries that are on my report and remain on there even after numerous disputes. I am beginning to think the credit agencies are ignoring my requests by taking shortcuts and not actually verifiying info because I keep getting the same generic answer for every dispute despite not being provided any documentation or proof such as forms with my signatures or authorizations. 
the following inquiries are as such transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: SC

Complaint narrative:
Ive contacted this company several of times attempting to settle this debt owed. On, today XX/XX/XXXX at XXXX I spoke with an agent by the name of XXXX XXXX in which he gave me on a monitored and recorded line, stating that Ill receive a settlement letter sent via email today before my payment is processed on tomorrow XX/XX/30. The only letter that I received was a confirmation letter in regards to the payments set up. Being that Ive been given deceptive information several of times from this company I am requesting this settlement letter to be sent before any payments are taken out of my account and I want this item removed from my credit as the agent who set up my settlement stated. Otherwise I will be forced to seek further action ( s ).

Company response to consumer: Closed with explanation