vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an auto account with capital one auto finance. The accounts payment responsibility wasn't mine. I had no idea that my father put a car under my name. I called capital one and they said they would correct the payment history to paid on time for all the payments if I paid the account in full. I ended up paying the account in full and they didn't do anything to update the payment history to paid on time. I called and they told me to dispute with the bureaus. Because I disputed, it made my credit score drop even lower. No It has killed my ability to purchase a home because of this derogatory reporting to my credit report that Capital One Auto Finance said they would fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage sent a statement that stated that the payment due on XX/XX/2020 was {$14000.00}. 

I mailed a check to PHH Mortgage in the amount of {$14000.00} on XX/XX/2020. 

On XX/XX/2020, I received a letter from PHH Mortgage stating : " Enclosed please find a copy of your check with check number XXXX in the amount of {$14000.00}. This payment is being returned for the following reason : the amount provided is insufficient to cure the default. '' PHH Mortgage is incorrect. I did not send check number XXXX in the amount of {$14000.00}. Attached to their letter they provided a copy of my check number XXXX which is made out in the amount of {$14000.00}. 

I have no outstanding principal owed on this mortgage. They are proceeding to foreclose while making almost impossible for me to resolve this issue with them. I sent the amount of money they asked for and send it back for erroneous reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 a customer made a purchase in the amount of {$7400.00} for no explained reason Square merchant services has not transferred these funds into my business bank account.At the same time Square has not provided any credible reason as to why this money transfer has not transpired.Square requested documentation which was submitted on XXXX.Even after these documents were submitted Square has failed to move forward with the transfer and has also failed to communicate with me as to the reasoning for the delay of said funds transfer. I have made multiple attempts to contact Square to get an understanding of what's going on with the funds transfer and the closure of the account. I provide Square with access and Log-in information to my account to verify my account through their system.I believe this to be unusual practices with no justifiable reason for the holding of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have tried disputing with Portfolio Recovery Associates so many times and I keep asking for proof of the original signed documentation from the original creditor bearing my signature and they yet to applied with my request, they just keep sending a letter with the there information saying that they have the right to contact me because the account has been sold to them. Section 609 says I can request the original signed copy of the credit application. I do not recall accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eastern Asset Services LLC
State: TX

Complaint narrative:
In XXXX I received a threatening phone call from EAS XXXX on XXXX   behalf from XXXX. The threat was to file criminal charges on me and I didn't need that problem. So I somewhat agreed but never signed the electronic document they send me after thinking it through. During this time several loan companies started making deposits into my account without me requesting them. However, I had given them my debit card number and they debited {$400.00} from my account with out the documents being signed. The next payment was scheduled from XX/XX/20, I lost my debit card and had to order a new one. Of course that morning Ms. XXXX called like 5 times, I was sleep. So that evening she called twice from a Private Number and started telling me I need to go to the bank and get a replacement. That was totally out of line on her part after I told her once the card was received I would call her. That wasn't good enough we got into an argument. After she hung up, 5 minutes or so, I received a call that reflected XXXX XXXX Pct 1 phone number. The man identified himself as a XXXX County Sheriff and asked was I home, he needed to come by to discuss a fraud case. I told him I didn't have a fraud case but sure come on by and I will have XXXX County meet him here. I called HC and a deputy came to my home and waiting on this individual but he never showed up. Of course, he hung up. At this point, I would like to not only file a complaint but receive my {$400.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing this complaint in respect to fraudulent activities carried out by PayPal in regards to my account. In XX/XX/XXXX, I cancelled my XXXX  credit card ending number XXXX and I never updated my new XXXX  credit card details ending number XXXX to my Paypal account. To make clear, I NEVER gave my new credit card information to PayPal. Additionally, I NEVER gave authorization for PayPal to use my credit card which I never gave to PayPal. 

However, PayPal fraudulently and unlawfully found my new XXXX card details and linked it to my account and charged an amount of {$4100.00} on XX/XX/XXXX. Thereafter, I again cancelled my new credit card on XX/XX/XXXX and I found on XX/XX/XXXX, PayPal again linked that second new XXXX  card ending number XXXX. In fact, PayPal linked the new XXXX  ( which I have not even activated ) only TWO DAYS after it was issued. Again for the second time, PayPal is trying to use a card which I NEVER gave authorization to use. This is fraud on the part of PayPal and it is illegal and it has engaged in criminal conduct which I am making this complaint referral both Federally and in the State of California due to violations of both State and Federal Law. 

Furthermore, PayPal did not impartially look at XXXX improper billing practices because XXXX is a subsidiary of XXXX. Thus, PayPal is not and did not conduct an impartial fair investigation with XXXX due to the fact that both companies have the same ownership. However, for your information, I will dispute all the invoices from XX/XX/XXXX to XX/XX/XXXX with XXXX in a separate matter. However, this particular letter is dealing with the fraudulent use of my credit card which I did not give authorization for PayPal to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 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: VA

Complaint narrative:
On XX/XX/2020 I have disputed a bankruptcy that XXXX XXXX is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, Equifax and XXXX is reporting as the information was verified by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from ALLY Bank saying that XXXX XXXX XXXX reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from equifax on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX of XXXX and XXXX is XXXX but they lied about this score however they obtained it.

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 2020-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Dealership ( XXXX XXXX, CA ) and Ally Bank was my financier. It was a 3 year lease that began XX/XX/XXXX and was payed in full by XX/XX/XXXX. This was before the contract end date of XX/XX/XXXX. I turned in the vehicle on XX/XX/XXXX and received all assurances from the car dealership ( XXXX XXXX XXXX - XXXX XXXX, CA ) and Ally bank that I was done with payments and that I had fulfilled my end of the lease agreement. However, the following month on XX/XX/XXXX {$280.00} was mysteriously deducted from my bank account by Ally for the leased vehicle I had turned in a month earlier and paid off almost two months prior. I called Ally and after a while they admitted the deduction was taken in error, but would not agree to refund the money back to me. They stated I had to wait until the car was auctioned to get my money back - the money they took in error. This was never explained to me and furthermore, how am I linked to a lease vehicle until it is auctioned. This was never stated in my contract. Would never ever lease the vehicle if I knew this was a condition of the agreement. We are in the midst of a global pandemic and I can not afford to lose {$280.00} whenever Ally decides and then refuses to return to me. I also do not want to be linked to this lease any longer. No one at Ally can explain to me why and how I can formally and fully relinquish ties with this lease. Please help. 

All Correspondence with Ally Bank : Calls / Case Number : # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX XXXX / Case Number : # XXXX # XXXX Called XXXX - Executive Customer Relations, Ally XX/XX/XXXX - Voicemail XX/XX/XXXX - Voicemail

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/20 my cash-app card has been frozen. I make a living by XXXX XXXX XXXX XXXX. This is one of the ways my clients pays for my merchandise. How can this company freezes someone account without notifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CO

Complaint narrative:
XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified with all three credit bureau false information. ( that I completed a bankruptcy ). 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately to credit reporting agencies and I can tell you its not LexisNexis are reporting false information that is affecting my life and my credit. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally please provide a complete bankruptcy repayment plan issued by the court and provide discharge final decree or order closing your case.., please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature but you are sharing this information to the credit bureau. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I had a legally binding contractual obligation that I paid off the alleged bankruptcy. This is alleged to have been dismissed paid in full with a copy of the final decree signed by the judge and myself ending the bankruptcy. If you can not provide me this information that you claim is accurate, the removing this information now to stop the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting and must be removed immediately or I will report the to the XXXX  of this unfounded volaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I spoke with the supervisor of public relation at Quicken Loans to resolve my refund issue. I was charged for an appraisal. the VA doesn't require an appraisal and when I spoke to the public relation they mention they aren't at liberty to disclose the VA doesn't require the appraisal. We as consumers are hoping the mortgage companies give accurate information to best work for the client. It was misleading to know that they added on the appraisal and I was under the knowledge that it was a requirement. I signed documents to say I understand but they mislead me to believe that this is also the requirement of the VA to offer an appraisal for a refinance on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been having problems trying to contact the credit bureaus about updating my personal information 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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been having problems trying to contact the credit bureaus about updating my personal information 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 2020-05-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
An incorrect negative statement was filed by USAA Credit Card. I protested to them and filed a complaint with XXXX  and my credit score ( FICO ) dropped from XXXX to XXXX and continues to drop. They have made promises that it will return but nothing has changed.Please help, I have always had an impeccable credit scores with NEVER a negative filing for over 50 years!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I have tried to get Flagship Credit Acceptance to reset my online account so I can see what I owe and track my payments for 3 months and they continue to give me the run around saying they can not fix it. They call me and say the same thing over and over again. A Representative called me today and had me on the phone again during my work hours to accomplish nothing. It should not be this hard to reset an account so I can access it. This totally unacceptable and I am out of patience.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OpenRoad Lending
State: MD

Complaint narrative:
I received an email from loan lender ( XXXX ), telling me that they received my application from their partner OpenRoadLending, But I don't give any permission to OpenRoadLending to share my information, the same company who did a hard inquiry under my name without permission ( issue that I'm trying to resolve with XXXX ) so now they are sharing my information with other lenders without my approval, I was trying to reach that lender ( XXXX ) but I couldn't find a telephone number on their web page

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the Home Equity Line with Citibank because the my Citigold relation manager told me that there won't be any fee to close the account so it's good to open it as backup funding source. I trusted my Citigold relation manager and opened the equality line even I had no use to it. However, when I'm closing the account after many years to get refinance, I was charged {$320.00} to close the account. 

I tried to contact Citibank but I found that my old Citigold relation manager left the company and the new Citigold relationship manager does not reply Email. 

I tried to chat with the online support but they told me they do not service the Equity Line account. 

With so many attempt I could not reach anyone who can help at Citibank. And it becomes clear the Bank was not act in good faith when promoting the Equity Line product by providing false 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