vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
XXXX Receivables Performance XXXX. XXXX  XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX number Phone Service Contract ended XX/XX/2019 I switched to XXXX  in XXXX Paid the two months owed Returned the phone. 
They are say the second line was continued without Payment. 
For 1 month. But I have a receipt they started a new service 1 month before contract ended. 
Note : I was with XXXX for 16 years. No way I am not going to not know when my contract ends and not pay my bill if it is really owed. 
This is been passed around by debt collection companies as a bad debt on their behalf. This is the XXXX. And they posted it on my credit report. And score dropped from XXXX to below 650. With this one derogatory issue. I use less than 2 % of my credit line which $ XXXX apx. No way I want to mess up my credit. I simply do not owe this pittance. Research has shown XXXX generates fake bills historically after a customer leave. Its on the internet. Up sell you having their sales people meet quotas, dropped calls. Company is garbage The fact I ported my number two months before my contract ended with XXXX. 
Returned the phone in new condition. 
So again paid for two month service and my phone # was already with another company. And two months of XXXX charges and I didnt have service. Speaks a truth to the matter. The attached photos below is reciept accounting shows the line they say was in service with usage. Was also not in use. So someone is lying!

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 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
I paid off my loan in full on XXXX XXXX, 2020. As of XX/XX/2020 I have not received my escrow refund. I have called three times and sent a message. Each time I call I get a different reason and am told to check again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To whom it XXXX concern ; I filed for unemployment benefits in XXXX/XXXX/2020. My identity was stolen and so Bank of America had two accounts under my social security number. So when I realized in XXXX of 2020 I filed a fraud claim. I still have not received any response or reimbursement. I also can not received any of my recent claims because I froze my social security number with the FTC. Therefore I can not verify my identity. Please help me in this matter ASAP.

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 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Id called Capital One on Monday, XX/XX/XXXX to set up a 3-installment payment plan for my over-limit balance. Dates which my bank account was to be debited were meticulously picked out and thoroughly discussed during that recorded phone call on XX/XX/XXXX. The first of which was to be Friday that same week, XX/XX/XXXX. When the payment wasnt withdrawn on the XXXX I figured okay, maybe itll take the weekend since its the first payment. Maybe theres some sort of timing issue with it being a Friday. But when the payment still wasnt withdrawn from my account on Monday, XX/XX/XXXX, I called Capital One to inquire as to why. They told me the payment plan was not properly processed on XX/XX/XXXX. They then told me the payment of {$330.00} was now ~ {$410.00}. This upset me because Id already budgeted and prepared for the agreed-upon amount of {$330.00}. So my account was sent for review. Then I get an email from my credit bureau stating theres been a change to my score. Come to find out Capital One reported a missed payment ( the payment they hadnt properly processed ) to my credit bureau on XX/XX/XXXX. When theyd done it a second time the following month I again became upset and discovered its illegal for a credit card company to report anything to any bureau for an account that has a dispute. Which mine does. Furthermore, the missed payment was the inaccurate {$410.00} amount. Many phone calls later Capital One tells me theyre adjusting the credit reporting and credited my account {$50.00} which allegedly got applied a month ago. Yet I hadnt heard until a month had passed? Weird. {$50.00} in no way helps anything. And today I receive an email stating that my credit card will be charged off if I dont make a payment. All I want to do is make the payments that were agreed upon on XXXX XXXX, 2020. Seems like Capital One is aware they messed up but they want to rush things and close my account while Im trying to fix things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 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: MN

Complaint narrative:
I been tryibn to get these errors off of my credit profiles for a very long time with no luck. The credit bureuas are not helpful. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: MN

Complaint narrative:
I been tryibn to get these errors off of my credit profiles for a very long time with no luck. The credit bureuas are not helpful. please help.

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 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I signed up for a SunTrust checking account and enrolled in a promotion stating I would receive a {$400.00} bonus for meeting certain requirements, the primary one being making " direct deposits '' of {$3000.00} each month across two statement periods. 

I have done this across the first three statement periods and within the time frame required, but as of XXXX XXXX, 2020, SunTrust 's " Offers '' portal showed my account is not having completed the requirements. I called on XXXX XXXX, 2020, and spoke with a representative who reviewed my account and claimed I was not receiving the offer due to not having made a single direct deposit of {$3000.00} or more in each month, despite the terms and conditions clearly indicating " direct deposits '' of {$3000.00} or more each month and having no language stipulating that the amount must be made in a single transaction. The representative stated I would not receive the offer due to this requirement not being met ( i.e. a single direct deposit of {$3000.00} or more each month ), despite it not being a requirement listed in the terms & conditions. 

I have had a professional in the finance industry at a different institution review the terms and conditions and they agree that there is no language stipulating that the {$3000.00} must be made in a single direct deposit transaction.

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 2020-12-07 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: MI

Complaint narrative:
I received a U.S. Bank National Association ( US BANK ) Reliacard in the mail on Friday XX/XX/2020 with a credit card inside that was ready for activation. I opened up the envelop on XX/XX/2020. I never ordered or signed up for such a card. So, I called and spoke to a representative from the customer support line provided in the information and they said that the State of Colorado ordered the card for me to receive unemployment benefits. I have never lived nor worked in Colorado, so this is a bogus claim, or someone is using my identity to claim benefits that are not appropriate. 

US Bank 's " customer '' support line was useless and told me to take it up with the State of Colorado, but would not provide contact information, etc. so I can do so. 

So they will issue a credit card in my name, using my SSN, address, and phone number, but won't help resolve the issue. That is ridiculous! 

They did however cancel the card, but I have no idea how this might affect my credit rating, etc.

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 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
XXXX transferred money online to my daughter and son-in-law using XXXX option. 
I received a message to call in for verification. I called and spoke to a woman who asked me numerous questions and then she told me the transaction was released. 
My son-in-law received a text and followed the directions entering his card information for deposit. 
The transaction changed to ready for deposit on my end, but the money was not received. 
XXXX I called again and was told the transaction was being reviewed internally and to wait 24 hrs. 
XXXX still no deposit, called in again and was told it was still under review and to wait another 24 hrs. 
XXXX still no deposit, called again and was told still under review and to wait 24- 48 hrs. At this point it had already been over 48 hrs so the gentleman said I had to wait ANOTHER 24-48 hrs XXXX still no deposit, called and was transferred to a supervisor who then told me he released the transaction from being under review and filed a report to resolve the issue with some other department. 
He said I could not cancel as the money has already been sent and it could take up to 4 days before it is received. 
A money transfer that was supposed to be available in minutes will at that point have taken over a week to be received!! 
My receipt says date available was the date I sent, XXXX, but obviously it was not and every time I checked the transaction online it said " Ready for Deposit ''. 
I have spoken to at least 6 different people who could provide no answers!!! ( XXXX, XXXX, XXXX, XXXX ( XXXX ), and others I cant remember ) My daughter and son-in-law needed the funds that day and it was an emergency!! We are forced to have to drive 3 hours to take money to her so you have wasted my time and cost me more money in the end with the fee I paid and the cost of gas and time to take to them!! 
Had I known this was a possibility I would not have used the XXXX service. There was no disclosure at the time that this could happen with an opt-out option. 
The WORST customer service experience I have ever had. It made an already stressful situation even more stressful and upsetting!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I opened a business account with XXXX and had my first point of sale in XX/XX/2020 for {$4200.00}. My account was and funds were suspended because of the sale amount. I was notified that my account was being suspended indefinitely and that my funds would be on hold and available in XXXX. I contacted XXXX support via their platform and have not received any response. I have attempted to contact them by, phone, email and chat but because of the platform and they've suspended my account I not provided a direct communication channel with support to get my funds transferred to my bank account. I have {$4200.00} being held hostage and Im not getting any response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I started the process to have the PMI removed from my mortgage payment over 45 days ago and every time I call to follow up I am given the run around. I have been put on hold for too long numerous times or told someone will call to update me and nobody ever calls. The process has taken longer than what they stated meanwhile they keep charging me PMI when it should have been removed by now. This is completely unacceptable. I have asked to speak to the person handling my request and was told I could not reach them directly and they are never able to connect me. Seems like a scam to delay the process so they can keep charging. I would like to be contacted by someone who can make a final decision ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX2020 I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My wife and I have both had our credit report frozen with all 3 credit bureaus since 2010. Equifax updated their system and for some reason, it unfroze both of our accounts. 

Unfortunately, they are unable to re-freeze our credit. We have tried logging into their system using the website, and attempting to re-freeze our credit gives us an error that says they are unable to freeze our credit. We called into their automated phone system and received the same error when we tried to freeze. 

We called their customer support line and the agent was unable to freeze our credit. We waited on hold for over 30 minutes to talk to a supervisor, but he was unable to freeze our credit. When we asked him how Equifax was going to fix the problem, he said there is nothing he can do, we should just try again later. We told him we've been trying for 2 months already, obviously there is a problem with your system. He said someone will be calling us. Unfortunately, nobody has followed up with us and when we call customer support, it just starts the whole process again. 

Equifax will not freeze our credit even though we have repeatedly asked them to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: DM Motors
State: MN

Complaint narrative:
On XX/XX/2020 DM financing authorized a payment of {$230.00} to come out of my XXXX XXXX checking account without my consent after that I contacted my bank and they found that the payment on the XXXX came at a different time than all other payments and that it was processed at the store at XXXX two hrs and 2 mins before they are open to the public. My bank found that it was a frudulent charge and returned the money. Since then I got behind by 3 weeks of payments they sent a cobb letter but faild to send it ceritifed and wait the 30 days before doing any thing they then reoped the vechical on XX/XX/2020 and then gave only a 6hr time frame to retrive my stuff and as of today Monday XX/XX/XXXX they have not answered my calls.

Company response to consumer: Closed with explanation