vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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: VA

Complaint narrative:
I settled this account under the impression that this would be deleted from my credit report to purchase my home. I was advised that after paying it that i was to get in contact with a higher department within XXXX and the deletion would be imitated. The tradline still reflects on my credit report as settled in full and should be deleted.

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLIANT CREDIT UNION
State: TN

Complaint narrative:
On Wednesday XX/XX/XXXX I logged on to my alliant credit union mobile banking account and noticed I had been assessed a XXXX overdraft fee for a XXXX charge to XXXX. the balance showing currently in my account was XXXX. Alliant credit union did not pay the XXXX XXXX fee and instead assessed me an overdraft fee of XXXX. I then had another charge of XXXX from XXXX coming through and I made a mobile deposit of XXXX. I have never had any issues with any of my deposits going in right away ( same day ). However I made two deposits. OnXXXX for XXXX and one for XXXX. I made the deposits since mobile banking was showing I had an overdraft fee of XXXX assessed even though I still had money in the checking account. This time it said the deposits to get my account back into the positive would be held for 7 days. I called Alliant twice first on Wednesday XX/XX/XXXX to see what charges may have been pending in order for me to be assessed the overdraft fee. The agent I was speaking to had me on hold for over 20 minutes and could not tell me why I was charged that fee. After being on hold for so long I finally had to hang up. I then noticed on Friday XX/XX/XXXX I was charged another overdraft fee however had an avail balance of XXXX dollars. I called yet again to see why I was charged another fee but yet my deposits were being held. they tried saying my balance at one point was only {$50.00} when in fact mobile banking showed {$360.00}. I also asked why my deposits were being held as they do not have Alliant Credit Union banks here so I'm only able to make deposits via the mobile app and they advised me because my account had been " flagged '' for insufficient funds. I asked how did that make any sense if they were going to continue to assess overdraft fees but hold my deposit that I was trying to make to get the account back into the positive? I believe this bank to be assessing fees fraudulently. I had the same issue occur with this bank over 3 years ago with NSF fees. 3 years later they said they did an audit of my issue and determined the fees were assessed incorrectly and refunded them back to me. This bank does not have a location in my state therefore the only way for me to deposit funds is the mobile app. They have never held my deposits before and I was never notified that my account had been " flagged '' per the representative I spoke with on XX/XX/XXXX. I asked for an audit of the fees on my account as well as expressed my frustration with not being notified that my deposits would now be held unlike any other time where they automatically deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I activated my cap one credit card and used an atm terminal in a city I have no residence in. My account then started to show fraudulent charges after I utilized this atm. Ive called capital one and filed a fraud claim, but theyve rejected it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I called the number on the law suit filed against me my Midland Credit Management to contact the atty listed on the paperwork. I was told I can't talk to the attorney at this number. I asked about details and options about this and was repeatedly asked questions refusing to answer any question. The paper work in the suit is not in line with details and amounts in the suit and looks like other debts are trying to be included in the suit as additional details going beyond the scope of the suit. This looks like the behavior from the https : //oag.dc.gov/sites/default/files/2018-12/Multistate-Midland-AVC.pdf has been extended to other states and has worsened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Conn's, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was supposed to get a {$400.00} sign up bonus and have not received 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 monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
There is no way to withdraw money from Paypal without paying them a fee or giving them your bank 's login credentials as a ransom. This is not something they warn you about until they have your money hostage. 

Previously, you could link a bank account to your Paypal account using the ABA routing and account numbers. That option still appears on their website but it is disabled. I have tried to use it with three different checking accounts many times over the past several months. It never works. 

The only way to link a bank account to transfer money to is by giving Paypal the login credentials to your bank. Doing so would of course give Paypal access to all sorts of information associated with that account, something else they fail to disclose. 

Trying to link from my bank account to Paypal is blocked by Paypal. My bank was able to make the usual two test deposits but an attempt to move money from Paypal to my bank was blocked by Paypal. 

Paypal is holding money hostage to get people to give up the login credentials to their other accounts. If you refuse, they make you pay a fee. The cheapest way to get money is to pay {$1.00} for a paper check to be mailed, which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AMERICAN EXPRESS ACCOUNT ENDING IN XXXX, OPENED XX/XX/2020 FOR XXXX XXXX THE CARD ACCOUNT IS NOT LISTED ON HIS CREDIT REPORT, AND IS INSTEAD LISTED ON HIS SON ( XXXX XXXX ) 'S CREDIT REPORT, AND IS MIXING THE TWO FILES TOGETHER. INCORRECT PERSONAL INFORMATION IS NOW LISTED ON HIS SON 'S PROFILE, WITH NOTHING ON HIS PERSONAL CREDIT PROFILE. 

DISPUTE WAS FILED WITH XXXX, AND AMERICAN EXPRESS HAS BEEN NOTIFIED. NEITHER HAVE RECTIFIED THE ISSUE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My mortgage company is Amerihome. On XX/XX/2021 a refund from escrow overage was issued in the amount of {$1500.00}. I have not received it. I have called many times to Amerihome about this with most unhelpful agents. 
2 weeks after it was issued I contacted them to say I have not received it. Was only told a " work order '' would be issued to research and stop the 1st check and send another one. I was also told that work order would be completed on XX/XX/XXXX. 
TodaXX/XX/2021 I called to get an update on the status and what a new check number would be and when it was sent. The CS rep said she would make a work order to research this issue and it would take another 7-10 business days. I explained this was already done and I would need to see a resolution and information on a new check issued. That was met with total resistance. 
They can not tell me the status of the original check # XXXX if it has been stopped which the work order was supposed to have done or so I have been led to believe, has it been cashed has it even been mailed? 
They have provided nothing but terrible non helpful customer service in helping resolve this. I am wanting my refund. It is a lot of money to this retired person. I have also started a search with the usps but to date they have not found anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Block, Inc.
State: CA

Complaint narrative:
I have a debit Visa card from Cash App. In the app, I can add a promotional " boost '' to the card for getting 10 % back on purchases made at specific stores. I selected such as boost for XXXX and made a purchase of a gift card at that online store, but did not receive my boost. When I inquired about this, I was advised that buying a gift card was excluded from boosts. However, nowhere on Cash App 's app or site do they explain this. I've repeatedly asked their customer support to show me an app screen or web page that explains this exclusion, and they have not been willing to do so. I believe such a page does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021, I noticed a transaction of {$9.00} for " XXXX XXXX XXXX '' in the Capital One app on my phone. Since I have never been to this restaurant, I clicked on the charge and saw that the transaction was made on Sunday, XX/XX/XXXX, and posted on Tuesday, XX/XX/XXXX. I immediately called Capital One and notified them of this charge and told them that I have never been to this establishment. Capital One promptly closed that credit card and said I will receive my new card in the mail. 

Today at XXXX XXXX ( XX/XX/XXXX ), I received a notice from Capital One saying that there was no indication of fraud since they found insufficient evidence. I then called Capital One, asking what evidence they collected. I was told that since I did not report the card lost or stolen, they could not prove that it was a fraud because the card was physically present at the time of the transaction. 

I asked the fraud representative at Capital One, asking when exactly the transaction was posted. I was told it was processed on XX/XX/XXXX ( Sunday ) at XXXX XXXX. Also, I was told that the card was physically present at the time of purchase. I notified the representative that the restaurant does not open on Sundays and during the days that they operate, ( based on XXXX and their website ), they close at XXXX XXXX. 

After notifying this discrepancy between the hours of business and the time of the transaction, I was again told that Capital One could not help me out in this case because I had physical possession of the card. I asked the representative if they could direct me to another department that doesn't deal only with fraud. I was told to contact the dispute department only if the vendor does not reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I have a savings account with Credit Karma. I deposited {$3000.00} from a XXXX XXXX XXXX account. I then changed my linked account to a XXXX XXXX savings account. I was informed this account was nontransferable. 
Ive been trying to switch it back to my XXXX XXXX XXXX account to take the {$3000.00} out, but the app will not let me connect a new account. It says there is an error on Credit Karmas side. 
Ive contacted them. They said Ill hear from a specialized team, yet I have not. 
Ive tried two different banks, both checking and savings, on data and wifi, on a phone and a computer. I tried to link a new account manually using the account and routing number as Credit Karma suggested. Every time I get the same message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: MA

Complaint narrative:
XXXX XXXX ACCOUNT ENDING IN XXXX, OPENED XX/XX/2020 FOR XXXX XXXX THE CARD ACCOUNT IS NOT LISTED ON HIS CREDIT REPORT, AND IS INSTEAD LISTED ON HIS SON ( XXXX XXXX ) 'S CREDIT REPORT, AND IS MIXING THE TWO FILES TOGETHER. INCORRECT PERSONAL INFORMATION IS NOW LISTED ON HIS SON 'S PROFILE, WITH NOTHING ON HIS PERSONAL CREDIT PROFILE. 

DISPUTE WAS FILED WITH EXPERIAN, AND XXXX XXXX HAS BEEN NOTIFIED. NEITHER HAVE RECTIFIED THE ISSUE.

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 2021-04-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report, please remove these inquiries I never asked to get any accounts or loans with these companies. 

Thank you so much for your help I know with covid its been alot and barely any employees anywhere so things are taking along time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I was contacted multiple times by the company regarding a debt. I told the company that the debts are not mine. I was told that it is mine and I need to pay now and was offered a reduction. Each time they were rude and even laughed. 

I was not told that I can dispute or even how to dispute the file within a specific timeframe or any information except to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have requested the forbearance agreement so I can get my mortgage back on track several times. I was told that they would email it to me in 5-7 business days which is really unreasonable for an email in my opinion and then what they sent was a fax of my payoff amount which has nothing to do with the forbearance. I tried calling back today and they said I have to wait again but this is unreasonable, I am trying to close the mortgage out and they know that so they're not giving me the necessary documents.

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 2021-04-23 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: MN

Complaint narrative:
I have been a loyal Kohl 's cardholder since XX/XX/XXXX and I have always paid my bill on time. I was given an option to get an additional % off coupon if I signed up for paperless billing. This was my biggest and most costly mistake. I had let my son use my Kohl 's charge card to make an online purchase on XX/XX/XXXX. I take responsibility for not remembering he had made this purchase but I never received an email letting me know I had a bill due, let alone a delinquent bill due. On XX/XX/XXXX I received my first text message from Kohl 's card stating I should visit the XXXX website or I should call a XXXX number. I also received a phone call later that evening letting me know I should contact Kohl 's regarding my account. I called the number back and was informed that I had a delinquent payment. At the time, I thought it was for a purchase I had made on XX/XX/XXXX. Without any questions I made a complete payment for what I owed and the representative from Kohl 's removed the late fee from my account once I explained I had signed up for paperless billing and I hadn't received any email communication regarding a payment due. Two days later I received an alert from my credit monitoring report letting me know Kohl 's had submitted a delinquent alert on my account. I was confused about this but upon further investigation I realized I had been delinquent on my payment from XXXX because of my son 's forgotten about online purchase. Again, I never received any email communication or any message on my Kohl 's app that I had a payment due or an overdue payment. When I talked to a supervisor today I was told that they wouldn't rescind my delinquent alert on my account because I admitted some responsibility for forgetting my son had made a purchase on my account. My issue is that I didn't receive any email communication regarding my payment due or that my payment was overdue. Had I received this communication my bill would have been paid in full immediately. I think it is unfair I only received a text alert about my account after I was two months delinquent and after Kohl 's had reported a delinquent alert to the credit bureau. Is this a method Kohl 's is using to collect late fees on their customer 's charge accounts? I am strongly considering not ever using my Kohl 's charge again based upon how my situation has been handled and how my credit score has been negatively impacted. I have always had an excellent credit score. Currently, my credit score is still considered good but I'm disappointed Kohl 's took no responsibility in correcting their poor communication process with my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: MN

Complaint narrative:
I filed for hardship assistance due to covid and have not made payments on my account since XXXX of XXXX until XXXX of XXXX. When I started making payments again Land Home Financial told me that I would be able to do a Loan Modification as this would take into account the change in rates since I started my loan. They told me that if I was looking to refinance or sell my home that this was my only option otherwise I would have to pay back the past due balance prior to doing that. I then received a letter that my loan was being differed, where all the money owed was being moved to the end of the loan. When I called about the issue I asked to speak to a supervisor to have everything sorted out. I have never received a call back when they informed me I would receive a call back within 24 hours. I have since called them 2 or 3 additional times without a response back from a supervisor to address the complaint. From the person that I spoke to earlier today they told me that my loan is now in a Flex Modification state, which is not the same as a Loan Modification that I would have been available for if they did not put my loan into a differed state. I would like to have all the options that I would have had in the first place coming out of hardship. This time has been hard enough and dealing with this is making it more difficult. I have been in contact with the hardship assistance team and the loan team during this entire process to ensure I was doing everything correct and taking all the necessary steps to prevent issues like this.

Company response to consumer: Closed with explanation