vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I moved out of state in XXXX from XXXX to XXXX XXXX and notified all of my creditors of my new mailing address. I never received a bill from Kohls to my address in XXXX XXXX for the month of XXXX.I received a call from a Kohls customer care rep on XX/XX/XXXX, indicating that I was a few days late on my account. Due to a recent move and an address change, I had not received my latest bill, and I went over again with the care rep what my new address is. This company still had my old address in their system as XXXX XXXX XXXX, XXXX, XXXX and apparently, the bill had been sent there. I promptly paid the bill for the full amount that was owed and gave the representative my new mailing address once more, for future reference. I had told the representative several times that the bill for the month of XXXX never arrived and XXXX was the last bill I had received from them. Here is the bank information transaction regarding that payment that was made in full for the balance that was due according to the agent I spoke with. 

Account : XXXX - ADVANTAGE CHECKING Date : XX/XX/XXXX Description : Debit Card : KOHL 'S CHARGE PAYME XXXX WI XX/XX/XXXX Amount : ( {$540.00} ) Today, I was reviewing my credit report and I noticed Kohls had flagged me as a 30 day late payment notification on my credit report for the month of XXXX. I immediately contacted Kohls and spoke with a XXXX XXXX, a client representative, at Kohls. After discussing in detail the conversation that took place in XXXX with another representative, we discussed that along with my excellent payment history, and my change of address scenario, XXXX then noted the mailing address had been wrong in their system and was just recently updated in late XXXX, which was why the bill was never received. XXXX removed the late charge from my account and informed me that I would need to go directly to the bureau for the removal of the late flag notification for the month of XX/XX/XXXX. He told me to give a reference number of XXXX, as a record of our conversation in which Kohls had agreed to remove the 30 day negative late from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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:
I recently reached out to the Federal Trade commission regarding fraudulent activity on my credit report. This information must be investigated and removed immediately as it is directly effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-08-01 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:
Experian has reported an inquiry without any permissible cause. A violation of FCRA rules section 1681. 

XXXX card services, inquiry date XX/XX/2020 2020

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 2020-08-01 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:
Received a letter on XX/XX/2020 from IC systems stating I have a balance of {$450.00} from XXXX. On XX/XX/2020 I sent a certified letter requesting verification of this debt. I asked for various information such as name and address and All the information they have on the debt. I have not received any reply on my request, I have been told if they dont reply within five days the debt is no longer valid.

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 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MO

Complaint narrative:
Enhanced Recovery Company had received the debt from XXXX and placed on my credit report XX/XX/20. They sent bill to my address claiming I have debt. Call received from ERC immediately requested validation of said debt which I never received. I requested validation on their website XX/XX/20 and never received and they continue to call and or send bills. I also requested validation of debt on XXXX XXXX and haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: TX

Complaint narrative:
I have accessed my credit report and shows that my score has gone down 29 points. 1. Incorrect addresses that I have previously disputed 2. Collections account that I have disputed and reported as fraudulent, 3. Hard Inquiries that I have previously disputed AND 4. Former employers that I have disputed. After the last dispute is this what EQUIFAX does, starts to add old XXXX that was prev8diaputed and things out of no where?!?!! This is XXXX me off and affecting me as I continously stress I HAVE XXXX XXXX and this is NOT good. What the XXXX is going on? I say that XXXX was the cause of my first hospitalization and EQUIFAX looks they are in competition to put me back. If this is funny, it is not done me especially losing the use of XXXX i.e. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank is not applying extra payments toward our loan principle. they are instead applying part of the money toward interest that would have been charged every month if we only paid the monthly amount due. 

in this instance, we paid an extra {$10000.00}. they applied {$6100.00} toward the principle and {$2400.00} toward interest. distributing the {$10000.00} payment over XXXX months payment schedule. 

in addition they " save '' any amount which is not a multiple of our monthly payment for application to next months payment, they hold the money without applying it to our loan, neither the principle or the interest. 

We have asked them repeatedly to apply our extra payments directly to the principle and not the interest. This practice adds thousands extra to our total loan cost and increases the pay-off time. they have never fixed this practice since our loan was transferred to them.

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 2020-08-01 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: WI

Complaint narrative:
I have been trying to get my money out of cash app or send it to someone I have funds already added in my cash app and whenever I try to send it they do not let me and say I don't have sufficient funds when I clearly do. I even tried sending to my bank but they do not let do that either. Here is a video of the same. I have tried reaching out of them in every way possible. Including their social media channels. but they do not help at all. They have the same to others. please stop it XXXX XXXX   XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NY

Complaint narrative:
I disputed the inquiries on my report on XX/XX/2020 and received no response. I then sent out a letter asking for a prompt response due the response then being 45 days overdue. There was no information given as to how the inquiries on my report were validated when they are obviously fraudulent. I've now submitted a report with the Federal trade commission as I've learned that they can help me with the matter 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 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Due to Covid-19 my, son 's wedding ceremony in XXXX XXXX was cancelled. My wife and I cancelled our flights on XXXX XXXX XXXX and received partial refunds of {$6700.00} each for a total of {$13000.00}. 

These refunds were paid to our Citi AAdvantage Master Card on XX/XX/2020. A copy of that statement is attached. 

I had one other, unrelated charge on this account in the month of XXXX, in the amount of {$120.00}. So a credit of {$13000.00} appeared on my XXXX billing statement, which was due XX/XX/2020. 

On XX/XX/2020, I contacted the Citi customer service line for the account to request that a check for the credit balance be sent to me. The representative said that was not possible, but that they would credit the amount to the bank account which I use pay my card balance. Since it was a large amount, there may be an extra delay for management approval, but that I should see the credit within some 5 business days. I agreed to this arrangement. 

On or about XX/XX/2020, having not received the credit to my bank account, I once again contacted the same Citi customer service line. The representative confirmed that the refund was in process, but needed management approval. I asked to speak to a supervisor and was told that was not possible. 

today is XX/XX/2020 -- 37 days since Citi received my money and they continue to hold it with no recourse available to 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 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage matured on XX/XX/XXXX. I did not realize the loan had matured as I kept paying for the loan through XXXX, XXXX. In XXXX I realized what had happened and have working with PHH since then to get a loan modification to keep the loan moving and keep my house. 

PHH has continually changed their requests for information, even though they originally marked my application complete. Now on the phone they say I need bank statements for two months and two months of pay stubs ( why both? ) and then send a letter saying either pay stubs or bank statements. They also say on the phone I need a hardship letter, but in their letter to me it says they want the application signed, which I did in XXXX. 

PHH keeps changing the requirements all to get me to go into foreclosure and then take my home. This is not just a problem with me, they are predatory in nature and incompetent as well. 

To date I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Every person I have talked to over the last week, over eight hours of phone calls, has told me a different requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Im trying to refinance my existing mortgage and Bank of America is saying to was late making a XXXX XXXX payment that I wasnt late on. They held my money telling me to make a partial payment because I had money from an overpayment that was going to be applied but never was applied and in result they held the money I was told to pay and never applied any fund to that month as I was told the were going to by banks loan representative on the phone.

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 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Ocwen/PHH. The whole company should be shut down by the US Government!!!!! Everything in current pending law suite we have experienced!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I settled my Macy's/Department Store National Bank ( DSNB ) account in XXXX, that had previously been reported as a Charge Off. 

First off, they are so disorganized over there, that they have reported my Tradeline 3 different ways to each credit bureau, They show me as a {$1400.00} Charge Off with XXXX. 
They show me as a {$1400.00} Charge Off with XXXX, AND erased all my payment history. 
They show me as a Charge Off with {$830.00} Past Due on XXXX. 

HERE IS THE CORRECT INFORMATION, AND HOW THE RECORD SHOULD BE REFLECTED : My Account Status and Balance Are BOTH reported incorrectly on all bureaus : They need to fix this now. I'm attaching proof of the settlement check, It is literally something they can fix in 24 hours. Everything is digital these days. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HERE IS WHAT THE BUREAUS SHOULD SAY : 1 ) ACCOUNT SETTLED IN FULL FOR LESS THAN FULL BALANCE ON XXXX 2 )  BALANCE {$0.00} 3 )  PAST DUE {$0.00}

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 2020-08-01 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have asked the company PayPal to close my account. They want more information from me before I can close the account. They have issued me unwanted services like debit cards but I did not request them. I asked them to close my business profile account in XXXX of XXXX but they would not and then I asked them to close my entire account in XXXX of XXXX  but they would not. 
I have a XXXX balance and zero pending charges and zero open cases. I do not want them to have my banking information or credit card information but they will not remove my banking or credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This complaint is about : LoanCare, XXXX XXXX XXXX.XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. 
XXXX XXXX The loan number is XXXX Under the name XXXX XXXX Loancare Credit dispute # XXXX They are refusing to fix errors they have made to my account : On XX/XX/2020 I received a call from Loancare saying my payment was late. After trying to get ahold of Loancare for two and a half days. I finally got through to XXXX # XXXX on XX/XX/2020 at XXXX XXXX. I explained to her it was there error and to get ahold of my credit union who sends the checks out. I gave her their phone number to call. I had been sending the same checks to them for a year without any problems. She refused to call and clear up their error. 

On XX/XX/2020 I sent an email through their site to explain that they had made an error and please clear it up. I again gave my credit unions phone number. I also asked them to stop the daily calls to me. I still receive the daily phone calls. The company refused to call the credit union. I then got ahold of the credit union and they sent me proof of the check and on XX/XX/2020 I sent the information to loancare. On XX/XX/XXXX a late payment of {$26.00} was added to my account. 

Later in XXXX the check in question dated XXXX, XXXX payment, was sent to my home. As I am not living there right now it takes a while before I know what was sent to the house. There was a paper sent with it as to explanation as to why it was sent but there was nothing marked on it. 

Later another check arrived at my home dated XXXX, XXXX payment. This did have a mark on the paper saying they could not identify the check. They had been identifying these check for a year now. Why the problem? I have repeatedly asked where to send these two checks to so they can be applied to my account. They will not answer me. 

On XX/XX/XXXX they sent a letter to my home saying they did not have my insurance information. 

On XX/XX/XXXX I emailed them the insurance information. 

On XX/XX/2020 they informed me that an escrow account was opened in my name and insurance money was taken out of it. 

I never opened an escrow account. 

On XX/XX/2020 I sent an email through their site asking 1. I need to know where to send the two checks too.

2. Have the escrow account removed from my account 3.Have late payments taken off but there has been no response to this email On XX/XX/2020 I received an email thanking me for my check dated XX/XX/2020, XXXX payment. On that sheet was an email address to send complaints to so I sent them another complaint about my account. 

I received an email back saying this site is no longer being monitored. 

I am completely stumped as to how to get my problem with loancare fixed.

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/2020, I received an unsolicited U.S. Bank ReliaCard debit visa card from the Colorado Department of Labor. The paperwork indicated I had applied for unemployment compensation. I have never lived in Colorado, and I have not filed for unemployment compensation in the State of Florida where I live. I am XXXX/retired, and have been for years. I tried contacting the company by the telephone number provided, but they want me to activate the card before talking to someone. I do not want to activate 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 non-monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Two were sold on XXXX  and the transactions were paid for on PayPal. Item number XXXX was paid on XX/XX/XXXX in the amount of {$140.00}. The second item number is XXXX was paid on XX/XX/XXXX in the amount of {$100.00}. The total amount that was paid to PayPal was {$240.00}. Paypal is refusing to make payment on the items that i sold on XXXX, but was more than happy to accept the shipping fees that I paid them to ship the items sold to the purchasers. 

Trying to rectify this situation ihas been a complete nightmare. Despite numerous attempts, I have NEVER been able to speak with an actual representative, just a computer generated dolt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are over 12 credit inquiries on my report that have expired as of XX/XX/20 & they have not been removed from 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 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered an item online from XXXX for {$98.00} w/free shipping.using my PayPal credit account. PayPal stated that they sent {$110.00} to a XXXX XXXX. I never received any order confirmation or any communication from the recipient of the {$110.00}. I have no idea who this party is that PayPal sent funds to or why amount is greater than item I ordered from XXXX. PayPal refuses to resolve this issue and wants me to pay PayPal Credit the {$110.00}.

Company response to consumer: Closed with non-monetary relief