vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
.On XX/XX/XXXX, ( not sure if this ' the right date ) two transfers were made to my account. One for {$30.00}, and an other for $ XXXX.As a standard transaction procedure, I received a message from PayPal about those two transactions, stating that they were deposited to my account. Upon checking my account, however, the funds were not available on there. I immediately sent a message alerting customer service about the missing funds. A reply stated that they were. I questioned whether they might have been deposited to a previous account that I've submitted, that I had to replace by the latest that I've provided. The representative did not confirm nor denied that possibility. A back and forth ensued on this issue, to no avail. I called my bank, that couldn't verify the deposit, I was told since the said account, was already closed.Ever since that month, PayPal has been either reluctant or unwilling to bring this issue to a close. Being so frustrated with this issue, I had closed my account with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I signed up for the Capital One XXXX XXXX credit card because of an offer for Bonus Point after a certain amount of spend within a certain amount of time. This is a card with a yearly fee and I would not have signed up if it were not for the bonus offer. 

The terms for the bonus were XXXX points after spending {$5000.00} and another XXXX points after spending a total of {$50000.00} within the first six months. I called in to the credit card company in XXXX and was told that the terms have changed due to Covid19 and that I now have until XX/XX/XXXX to spend the {$50000.00} to earn the additional XXXX points. 

I called in to the credit card company in XXXX, XXXX and XXXX to find out how much more ( of the $ XXXX XXXX I need to spend to earn the bonus. The first time I called I was told that the period within to make the {$50000.00} in purchases has been extended until the end of the year. The other times I called in I was told how much more I need to spend to get to the {$50000.00} threshold. 

I called today, XX/XX/XXXX, and was told that their system does NOT show an extension for the bonus spending timeframe and that if I did speak to someone they forgot to add the extension to my account. 

Furthermore, I was told that there is no record of my phone calls with the company. ( I have call logs with dates, times and length of calls on my phone and phone bill ). 

I have actually spent over {$51000.00} by XX/XX/XXXX and according to the terms of the signup offer and extension period for the spend I qualify to receive an additional XXXX credit card points. 

Additionally, the extension of the 6 month spend period for the bonus points was widely published on various internet publications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
CFPB ID XXXX RE : XXXX and XXXX These numbers were listed on my Equifax report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from Equifax in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how Equifax calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, Equifax, your consumer report agency or bureau decreased my credit score by 70 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as Equifax, XXXX, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, Ive worked tirelessly disputing incorrect information on my credit report with Capital One. They are reporting four inaccurate late payments from 2014. Ive never paid late. Ive always paid the full balance off on time every month. We are in the process of refinancing our home and this is causing a significant Challenge. We are needing to have this resolved so we can refinance our home before our son is born. 

This is causing both my wife and I a great deal of stress. My job is to do what is right and also keep her stress levels down while XXXX 

I want to keep my account with Capital One open. I just want my credit reporting statutes enforced by having the correct information reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
We requested a payoff of our loan # XXXX from Rushmore Loan Management Services. They sent us a letter dated XX/XX/XXXX showing a payoff amount due by XX/XX/XXXX. We obtained a cashier 's check in that amount and mailed it to them on XX/XX/XXXX, with a USPS tracking number of XXXX. As the tracking number shows, the Post Office lost our payment, but found it and sent it on its way, arriving at XXXX on XX/XX/XXXX. On XX/XX/XXXX Rushmore began leaving telephone messages on our home phone asking that we call them. We were on vacation that week, and did not receive the messages until we returned home on the XXXX. I called them on receipt of the messages and was told they were closed and I would need to call during business hours. On the XXXX I reached them to discover that they claimed our check was deficient, even though it was in the exact amount called for in their letter. They said they had returned the check to us, and are now demanding more money, including late payment fees. They are saying that, because XX/XX/XXXX fell on a Sunday, they could not deposit our cashier 's check. I think their letter should have had some other due date if that was the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2019 I purchased a sofa on sales order XXXX at the XXXX NY Macys. I was induced to take our a Macy Store Credit card that would be a discount on delivery that would not charge interest if paid in 12 months. In doing so I set up the account for autopayments following the store direction. The store said that the interest charges would accrue throughout the year but would be waived at the payout at the nd of year. 

In fact the account was only set up to charge the minimum amount due and there fore was not paid out in the twelve months. When I asked to have the interest removed, the declined even though I had paid the original amount due ( {$640.00} ) when ZI discovered the discrepancy.

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 2020-10-31 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: TX

Complaint narrative:
Hi, Ive worked tirelessly disputing incorrect information on my credit report with XXXX XXXX. They are reporting four inaccurate late payments from 2014. Ive never paid late. Ive always paid the full balance off on time every month. We are in the process of refinancing our home and this is causing a significant Challenge. We are needing to have this resolved so we can refinance our home before our son is born. 

This is causing both my wife and I a great deal of stress. My job is to do what is right and also keep her stress levels down while XXXX 

I want to keep my account with XXXX XXXX open. I just want my credit reporting statutes enforced by having the correct information reported on my credit reports.

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 2020-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I had car loan with credit acceptance then I had car accident total the insurance pay the total vehicle and I didnt nothing to pay them after since I had full coverage for insurance plus gap but Im surprised they need me to pay them XXXX $ witch I wasnt late before the accident I only had car for few months I gave them XXXX $ down payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
PennyMac, XXXX. XXXX, XXXX XXXX CA XXXX ATTN ; XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX , XXXX XXXX NY XXXX Loan XXXX XXXX XXXX & XXXX XXXX PROBLEM ; On XX/XX/20, we applied for a loan modification on our mortgage. We were given 2 options for a modification ; a reduced monthly payment or having 3 mortgage payments added to the end of our mortgage ( extended maturity date. ) It was called a forbearance plan where there would be no mortgage payments for a specified period of time. Then normal payments would resume. We choose the forbearance plan because a modification with a reduced payment required the establishment of an escrow a/c. 
By the terms of our original mortgage, an escrow a/c was waived and we paid taxes and insurance direct. They received our application on XX/XX/20. I am now receiving foreclosure notices that an escrow a/c was opened and we are delinquent on our mortgage. I have made numerous phone calls to have the escrow a/c removed to no avail. I need your assistance as my advocate to request the removal of the escrow a/c.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
There is an account with Franklin Collections that is not mine. I called them yesterday and the woman I spoke to was extremely condesending and I tried to explain to her that I had never had services with the company they said I owed. I told her that I wanted something showing my signature because again I had never had services with XXXX XXXX. She tried to dismiss me and told me to send them something in writing and they would forward it to the company for research. The rude woman I believe just wanted to get off the phone with me and I am worried that the certified letter I am sending will not get forwarded to the company. It is not my debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: Credit Plus Inc
State: TX

Complaint narrative:
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
CFPB ID XXXX RE : XXXX and XXXX These numbers were listed on my XXXX report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from XXXX  in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how XXXX  calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, XXXX, your consumer report agency or bureau decreased my credit score by 70 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.

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 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
RE : XXXX XXXX Services # XXXX These numbers were listed on my TransUnion report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from TransUnion in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how TransUnion calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, TransUnion, your consumer report agency or bureau decreased my credit score by 50 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.

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 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I'm presently in a Chapter XXXX Bankruptcy Case Case No. XXXX. 
My attorney XXXX XXXX XXXX of XXXX XXXX XXXX who had filed and handled my case has retired. I notified the servicing company Fay Servicing LLC. who handles the servicing of my mortgage of the current change. I was informed by my account manager XXXX XXXX that until they receive a letter from my previous attorney who has since retired on his official letterhead that they will not be sending any statements to me including my IRS 1098 statement that will be needed by me in the next couple of months. I forwarded a letter to Mrs. XXXX regarding this as well an email forwarded by Mr. XXXX. Mrs. XXXX was adamant in the fact that none of the documentation was sufficient and that they would still be forwarding all documents to a law practice that is closed even though knowing that I will not be receiving any important documentation regarding my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App by the company Square provides a digital wallet for USD/debit card/bit coin and stock purchase. In my account I have XXXXUSD worth of bitcoin. 

On XX/XX/XXXX, I upgraded my XXXX and installed the Cash App on my new phone. The old phone was returned to the XXXX XXXX. 

The App will not allow me to access my account. I have contacted Cash App customer service multiple times. I have receive scripted emails form 4 different representatives. None of which address my problem or seek to resolve their issue in an efficient or timely manner. Nor is there any dialogue, there is just random emails from different reps who don't familiarize themselves with the details of my account or issue. 

I have deleted and installed the app many times to start fresh. The app only allows me to create a NEW account. If I enter my current account username, the app will not let me proceed because the name is already taken ( obviously, by me ) ... 

I have been without access to my money for 7 days. I have had no response from the company that is relevant or attempts to solve my problem. This feels like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.

Complaint narrative:
On XX/XX/2020, I started an application process for a Refinance HomXXXX Mortgage with a new lender. The new lender already approved an excellent interest rate with a lower monthly payment compared to my current lender. Now, I did applied for a forbearance program with my current lender in XX/XX/2020. But I reinstate my mortgage payment in XX/XX/2020. Well, my current lender has lien against my primary home and would release the lien. When I am trying to complete my new refinance mortgage process with the new lender. My current lender is claiming that I have to wait 3 months after XX/XX/2020 before I can refinance with a new lender.

Company response to consumer: Closed with explanation