vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: SC

Complaint narrative:
Back in XXXX & XXXX of XXXX, Capital One Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with Capital One, under my XXXX credit report so I am requesting this negative information be removed from XXXX and XXXX as well due to inaccurate information being placed on my credit reports. Late payments being reported to XXXX, but not with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I XXXX XXXX XXXX  charged my account XX/XX/XXXX for the amount of {$800.00} and XX/XX/XXXX {$1600.00}. They informed me that I will be getting a refund a month went by XX/XX/XXXX I didnt receive my refund so I called the bank to file a claim. I was not given a response of the outcome of claim. I waited and merchant keeps saying 30 days every time I called. Now its XXXX still no refund. I called the bank to file a claim they wanted a confirmation letter that merchant is going to issue a refund. Then they denied my claim because merchant states they will issue the refund its been more than a year. I dont have my money. I have called the back more than 50 times and did my part as a customer. The bank has given me a run around. The merchant committed fraud by not giving me my money back and Im supposed to have insurance fdic insured but they wont do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
As a consumer of the United States, I sent Trans Union a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX, XXXX XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies I just mentioned that pay for services from a provider such as Trans Union have not furnished me any sort of documentation within the allotted time frame ( 30 days from XX/XX/21 ) at all. Delete this negative information from my consumer report. STOP using stall tactics. YOU KEEP CHOOSING TO BREAK THE LAW. Your time has been up by law and you have to delete these fraudulent negative items from my report that you should of been deleted in the middle/end of XXXX. YOUR LATEST RESPONSE FROM XX/XX/21 IS NOT ACCEPTABLE AT ALL. You stated that my complaint includes a dispute of information appearing on my report. Your 100 % correct, it does which is why I sent in letters in XXXX. You had 30 days to gather any information regarding the validity of these negative, fraudulent, erroneous items and you as well as the two companies have not sent me any valid proof bearing my signature. Stop using stall tactics. How dare you state you will have someone from consumer relations enter in a dispute and then well wait to see what happens in 30 days. NO that is not acceptable, you had your time for your investigation and Im sick and tired of Trans Union reporting incorrect, negative, erroneous, fraudulent information on my report. DELETE THESE NEGATIVE ITEMS OF MY REPORT IMMEDIATELY. Your 30 day window been expired.

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 2021-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
i paid XXXX for a procedure that i did not receive. the incorret procedure was done. i paid for it with XXXX on my chase debit card, XXXX on an XXXX  credit card and XXXX on second XXXX card. i put in a dispute for all cards. the card that was charged XXXX was paid in full the one that was charged XXXX still had a balance. the one that was charged XXXX was credited back to the account. the one that was charged XXXX was denied a refund because it was paid in full. i called to ask why one card got refunded and the other did not. i did not receive the service that i paid for and was actually injured by the procedure. when i called the credit card company and they stated to protect the MERCHANT, they could not dispute a charge that was paid in full. i sent them via certified mail, all of the documentation for my claim including medical documentation, my complaints to the Georgia medical board and the XXXX XXXX XXXX. they are refusing to credit my account. so i am basically paying XXXX plus the finance charge, for something that i did not receive. as a consumer i have the right to dispute a charge whether paid in full or not. they also threatened to close my account if i continued to make complaints. this would have an adverse effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/2021 I have applied for a mortgage loan to refinance my first and second mortgage on XX/XX/2021. I used bankrate.com to find the best rate based on my credit score and I chose Ally Bank. 
I was directed to Ally Banks website which I learned later on that it was Ally Bank Powered by Better! After I entered m y information, I received a call from Ally Bank employee who reviewed my application and credit score ( FICO XXXX was chosen as the middle score ). He told me that in order to lock the rate, Ally needs a credit card and payment for the appraisal. I received my rate lock ( loan lock ) sheet the same day for a jump loan at 2.375 % interest rate. 
I gave my credit card information to Ally Bank. I got a call from XXXX ( Ally Banks appraisal service ) within a day or so, and by Saturday of the same week ( within 2 day ), my home was appraised. 
I continued receiving multiple documents request, as tasks, and I continued completing all tasks. I was assigned a loan processor in California and continued to work with XXXX XXXX 
The appraisal came at $ XXXX and the XXXX was very low. 
XXXX XXXX XXXX tasks and submitted the package for underwriting review. 
I received another loan lock sheet from Ally Bank and they added to the points telling me that the points would be higher since I am combining my first and second mortgage ( HELOC ) into one loan. I went back-and-forth with Ally representative by finally gave in so that my loan would go through. 
Initially I had indicated to Allys representative that my loan was in forbearance during Covid-19. The representative indicated that that was not an issue. I wrote Ally a letter and explained everything at the beginning as well. 
All of a sudden, I was told by XXXX that their underwriting department has not approved my loan due to number of credit inquiries as well as missed payment! This was very strange to say the least because I was never asked to explain anything about these issues. 
Ally refuses to honor the rate although I have EXCELLENT FICO score and payment history. I feel like they have found an excuse not to honor the rate since the rates have gone up! My attempts to reach out to someone have gone unanswered. I keep receiving email confirmation from my Ally Banks loan processor, XXXX that my case is escalated to their Executive Customer Relations. I have not heard from anyone although I have repeated called and emailed them. 
I want Ally Bank to honor that rate that they have locked me at.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I received a notice that CITI bank was unable to process request for account due to inaccurate information. I have never applied for credit with CITI or anyone else for a long time. There is a number to call but you must have the account number. I f=do not have an account number. Then they give an option to use your SSN but I entered my SSN and the recording said it was invalid. Now I m concerned I just gave out my SSN to a fraudster. 

The phone number given and the phone number I called was XXXX The ref number given on the correspondence is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing for several months with XXXX & TransUnion items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. XXXX XXXX {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX  {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting 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 explanation
Consumer complaint received 2021-10-14 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: FC HoldCo LLC
State: TX

Complaint narrative:
I have been disputing for several months with XXXX XXXX XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. Flagship Credit {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting 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 explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Quicken mortgage - I lost my Job early in the pandemic. My income has been greatly reduced. Quicken put me in a 6 month Forbearance. Then applied for a loan mod to make my payment affordable. I assumed they would modify the mortgage and reduce the rate.my loan is XXXX XXXX. They have published the rate reduction MOD. I asked what the rate would be, I was told they cant answer that question. 

I made the three payments and my loan was finally officially modified this month. 40 year loan, rate 4 %. Payment barely went down. Plus my mortgage balance was increased by {$9000.00}.

I body in their resolution department can answer the questions I have. Twice I asked to speak to a manager. I was transferred to voice mail of some one that had an away message. I sent them another e-mail with several questions. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ( XXXX XXXX ) reviewed my consumer report and I did not authorize, benefit or consent to these inquires. 
These companies are in violation of the FCRA codes : 15 USC 1681B ( 2 ) ( 3A ) and 1681. 

Please see attached FTC report and identification.

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 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Transaction Date : XX/XX/2021, XXXX XXXX  Amount transferred : XXXX  XXXX from XXXX ( through XXXX ) to my account in coinbase. 

The amount was confirmed to be sent out from my account, and payment already confirmed to my bank account with coinbase ( attached is the outgoing payment Proof of Deposit from the partner of XXXX ). 

However coinbase insisted they can not see this transaction. The sending bank requested a statement of my account from coinbase before they can proceed with further investigation. However, coinbase can not issue me a proper statement. ( see attached email conversation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, Citi Bank closed my account because they said of fraud violation committed. I have called multiple times and no one has been able to tell me when, where or even how I committed fraud on my account. I had XXXX on my account, Citi Bank withdrew {$7400.00} from my account leaving {$1.00} balance. End of XX/XX/2021 I received the {$1.00} in a check and not the {$7400.00}, I have since called Citi Bank about the missing money and they keep saying they dont know why I wasnt issued a check for the {$7400.00}. They have been unable to tell me what happened with the money. I have filed multiple complaints to which I have not received an answer other than my account balance was {$1.00} and they sent me a check for {$1.00}. I have called and spoken to multiple people at the Citi Bank branch at XXXX XXXX XXXX XXXX, CA XXXX. Not only has their assisting manager been horribly rude acting like I am asking her for her money, but I received the same answer as the representatives on the phone. They dont know where the money is and a request has been sent to see where the money is. Absolutely horrible service!

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 2021-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACCESS GROUP INC.
State: CA

Complaint narrative:
I have had private loans with Access Group since 2001, and I have made payments and remained current on these loans for over 20 years. Access has consistently been deceptive with how they have applied payments- for example using extra payments to apply to interest instead of principal. The first time I was ever late on student loan payments was due to Covid. I am a single mom with XXXX young children, and I was left unemployed and homeschooling my kids for a significant period of time. I was under the impression that I was on a forbearance with Access Group. I attempted to contact Access group and was told that my loans were sold to XXXX -- -- in reality the loans were sold to a predatory collection company - XXXX XXXX -- that has been calling me as well as my family members. I just want my loans to go back to the loan servicer so that I can continue to make my payments- and not in collections which has devastated my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CITIBANK, N.A.
State: MI

Complaint narrative:
My drivers license was lost in XXXX I got a new one then someone stole my wallet with id and credit card and used it in XXXX... I have notice that there are inquires on my account which leaves me to believe they are trying to use my identity..

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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I briefly had internet service with XXXX  ( XXXX XXXX ) I paid my bill in full and on time. However, during the last week of XX/XX/XXXX there were intermittent outages that eventually ended in my not having service AT ALL on XXXX and XXXX. That was the LAST STRAW for me and as soon as I had service restored I attempted to call them ( my phone is a VOIP phone dependent on internet service thru XXXX XXXX. ) I was able to cancel my service on XXXX ( when my internet service started working again. ) I immediately hired a rival company to provide my internet service. When I called on XXXX, the customer service representative apologized profusely and stated " that internet service had been out for my area and had been restored. '' He also offered to give me credit for the two days I hadn't had service. When I still insisted on cancelling my service ( I had already made arrangements with the other company to come the next day ) he then offered me an ENTIRE MONTH for FREE. I said no. He then got a bit surly and said that since I had already begun the new month I would be charged for the ENTIRE MONTH even though I had only had service for an hour when I called on XX/XX/XXXX and had not had service AT ALL on XX/XX/XXXX and XX/XX/XXXX!! 

I then received a notice from a debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. I then received a call from XXXX XXXX XXXX on XXXX and I explained what happened with XXXX and never heard from them again. 

In late XX/XX/XXXX I received a letter from a debt collector ( Credit Management L.P. XXXX ) I told a woman the same thing I had previously told XXXX and XXXX XXXX XXXX. However, today, XXXX I received notice from a credit monitoring service that Credit Management L.P. had entered a bad debt for {$49.00} with XXXX and my XXXX score had dropped by more than 100 points! 

To sum up, I DO NOT owe XXXX XXXX ANYTHING. I canceled their service when they had technical problems that resulted in my being without internet for ~ two days. And to add insult to injury, they wanted me to pay for an extra month of service when they FAILED to even provide adequate service for the short time I was with them!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: AZ

Complaint narrative:
I sent my payoff check to Lending Club Corporation ( priority mail ) to Lending Club ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. Lending Club received the check ( {$9900.00} ) on XX/XX/2021 and cashed the check on XX/XX/2021. I included a copy of my payoff with the check and wrote my account number on the check. I have called Lending Club just about every day since XX/XX/2021 to see if they have located the payoff funds. They claimed that they do not have a record of the funds but they cashed the check? They advised me to obtain a copy of the canceled check so I did and emailed the proof that the check was cashed on XX/XX/2021. Lending Club stated that the front and back copy of the canceled check ( that was emailed on XX/XX/2021 ) was not enough and that they needed a XXXX XXXX ID or a bank statement showing the check was cashed. The check was issued from the title company that funded my home loan so I am sure they will not provide me with a bank statement. Not to mention the federal trace ID number is associated with wire transfers. I did not have a wire I mailed a payoff check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried opening an account with XXXX, went to the branch with passport and other forms of identification. Was denied an account due to " suspicious activity '' on a Bank of America account, even though I've never opened an account with them. When looking into it, they told me that someone tried opening an account and depositing a fraudulent check. after reviewing the information that was used, everything was correct, except that they used a phone number and address that was not mine.

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