vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: NJ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XXXX XXXX XXXX to XXXX  and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-07 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: MO

Complaint narrative:
Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue XXXX fraudulent complaints with the Consumer Financial Protection Bureau, XXXX each regarding Equifax, XXXX, and XXXX. Those complaints are complete nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: UT

Complaint narrative:
Someone filed a change of address in my name to an address in XXXX Texas. Some of our utility and credit card bills along with our mortgage statement went to the new address. Using the information in them they applied for, and received, credit cards from US Bank, XXXX  XXXX and XXXX XXXX XXXX. They also applied for a card from XXXX XXXX which I disputed before the card was issued. We have contacted each of the banks involved.

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 2023-02-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have an online XXXX store run for me by another company. They told me I needed to pay a company called swift-ship {$2000.00} to ship some of my merchandise. Shortly after the payment was charged I noticed orders still weren't being shipped. I constantly tried to contact the account manager I was dealing with but there was no response. Then I received a letter from the company who was supposed to be managing my store that said they closed and dissolved their company. I never received any shipments from XXXXXXXX XXXX and none of my product was shipped because all the orders I received were cancelled. I filed a dispute but supposedly XXXX told Capital one they shipped a pallet of stuff to me at my address which is a regular house and would have place to receive a pallet of items. I tried to look up XXXX and don't have a phone number or address to contact them. So how could they verify or prove shipment were sent to me if Capital one can't tell me their number or address. I have received no proof of invoices being sent to this address and at this point feel it may be some kind of scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
THEY CLOSED MY ACCOUNT, CANCELLING MY TRANSACTIONS. FOR NO REASON. 
I am not happy with Wise decision to close my account. I tried to appeal. I do not know if it makes any sense to appeal, but I tried to because I want to understand what happens. I appealed, and they said that after reviewing, they have decided to keep it closed, and if I need any clarification, I have to connect with support and have the right to complain. I do not have access to support anymore, and this is my complaint. 
None of the reasons they expose to close accounts are seen in my case. I tried to make a depot to add money to my account, and after all ok, they sent me an email telling me that my transfer was canceled, that my bank debit payment failed, and that my money was still in my bank account ( which is true ). Then, the next day, appeared a negative balance in my Wise Account and the thread to close the account if I did not pay the difference asap. After reviewing with my accountant, the transfer I did on XXXX XXXXXX/XX/XXXX, was not deposited to the Wise account because the sender 's bank canceled it, but I could not find out why. And also do not understand why a negative balance. I think all this needs an explanation. 
I am not making a refund request. 
I really do not care for the remaining balance. So I am not submitting a refund request. But if I wanted to check the couple of dollars they owe me, it would be impossible to review because I can not access the balance statement because no support contact is activated and this point. 
As said, I am not happy, but I am not interested in reinstatement or re-assessing deactivation. Nor speeding up refunds. We are already looking for another financial technology company to create my digital strategy without borders. However, due diligence is needed to define what happened here ; I need to know precisely why they closed my account to avoid it in the future if any fault was from my side. 
I am making a complaint. 
As their policy states, I have the right to ask for a review of my case by lodging a complaint. But it was very complicated to access the page after the account was closed or blocked, so I wrote this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchase a XXXX XXXX back during the Holidays XX/XX/XXXX. The TV was scheduled to arrive XXXX XXXX. During the Holidays there was a large volume of packages delivered to my apartment complex between XXXX and USPS. I came home to a package I assumed was mine. When I open the package it was the wrong product. They delivered someone else 's package to my door. Therefore, my package was missing. I returned the wrong item to the person who came to claim her package. I was on the search for mine. I called XXXX and told them the update. Nobody at XXXX seem to be helpful. Even when calling them back with updates of my package not being delievered to my door. Neighbors told me they seen a large package between 2 units. Thats all i could find out. I sent XXXX a clear email of the situation ( UPDATE ). They seem to not understand XXXX. Therefore i open a dispute with my capital one for package never received. They closed my dispute for no logical sense. I reopende the dispute today XX/XX/XXXX. My money needs to be return or i will be taking further actions against XXXX and capital one. XXXX is responsible for their deliveries. They used XXXX as the shipper since they were overwhelmed with delivering packages. The usps is the worst at delivering packages in my area already. I need my money back now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am receiving statements from BMO Harris bank. 

The account is under my business name XXXX XXXX XXXX and is being delivered to my home address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl. XXXX I have called to request they cancel this. 

I have never authorized this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I used Affirm when checking out on a online purchase on XXXX. XXXX mislead me on the product I was purchasing with stock photos. Once i pucrchsse the item I recieved a reciept with a totally different, worn, dirty and abused bag. I immediately contacted the seller who refused to cancel order and told me to resale it on poshmark. I contact XXXX  was told I have no order under my accpunt. I sent them return recipt and no more respinses. I contact affirm. Sent them all pictures of what i purchased. My communication with seller and XXXX  And i sent them a copy of their misrepresentation policy. To no avail. I received a com0uter generated response telling me that i must contact seller. I called them and was told that they dont enterviene with purchasrs. If it's misrepresented. There is nothing they can do. When their website states differently. They do not pay the company untip item is shipped and recieved. They could have contacted the seller and cancel transaction since tge otem has yet to be shipped. They are hel0ing scam companies make revenue off unsuspecting customers that impact ones personal credit if refusrd to pay. They lead you to believe ypu have protection with their company when there is none. They should not be alowed to impact the publics credit wit absolutely zero protection or liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK
State: SC

Complaint narrative:
Applied for a mortgage on my investment property at XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 The delays by Civic Financial have resulted in numerous delays and have cost me more than {$6000.00} in fees and interest payments to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: MO

Complaint narrative:
Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue three fraudulent complaints with the Consumer Financial Protection Bureau, one each regarding XXXX, TransUnion, and XXXX. Those complaints are complete nonsense.

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 2023-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2011, I was having difficulty making my mortgage payment. I tried several times to get a loan modification with Wells Fargo but was unsuccessful. I eventually ended up selling the house through the foreclosure process.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have an American Express XXXX XXXX that had a {$1200.00} balance prior to XX/XX/2022. I went to use the card on XX/XX/2022 and found out it had been depleted with false charges not made by me. I was told by customer service I had to contact each merchant and try to recover the funds. The card was placed on hold during this process. I did this and was able to recover {$860.00} of the amount and the merchants returned that to the card. I have been calling and requesting a replacement card for 2 months and do not receive it. The customer service tells me there is not a way for them to provide proof the card is being sent or to send it with a tracking number. They claim to have sent 3 replacement cards that never arrive. I am told a different version of the process, timeline and story every time I call. I am asked for additional information that was never asked before and told that is why I have not received it, while also being told the cards have been sent. The wait times for customer service are lengthy, over 45 minutes typically and often the call is disconnected mid conversation and no one returns the call. I can not believe American Express would have their name on XXXX XXXX card that has this horrible level of customer service and all out fraudulent behavior. The fax and email address point to XXXX which has tons of similar complaints and news stories detailing this fraudulent and evasive behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute inaccuracies on my credit report that have had an adverse impact on my ability to obtain credit. The account in dispute is : XXXX XXXX In XXXX, I purchased property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL. XXXXXXXX. While the above listed account was not the original mortgage lender, they subsequently took them over. For XXXX XXXX, I had made consistent and on-time monthly payments. However, in XXXX of XXXX, I was notified by the 1st lien holder, XXXX, that due to the Adjustable Rate Mortgage contract, my payment would be increasing to an amount that would be difficult for me to maintain. I attempted to refinance but due to the housing crisis, I lacked the equity. I then applied for a Loan Modification, which was also denied. In good faith, I put the property up for sale for what I owed on both mortgages and continued making on-time monthly payments through XX/XX/XXXX. 
In XX/XX/XXXX, I received a short-sale offer for {$100000.00}. I submitted a loss mitigation application to XXXX on XX/XX/XXXX. I received a response letter from XXXX on XX/XX/XXXX requesting more documentation. The full package was received by XXXX on XX/XX/XXXX and a settlement agreement was reached on XX/XX/XXXX. The closing for the short-sale occurred on XX/XX/XXXX. 
The inaccuracies are as follows : XXXX is reporting that the account was 2 months late AND in foreclosure/collections. I was paid through XX/XX/XXXX and we closed on XX/XX/XXXX. I attached my bank statements as proof. The XX/XX/XXXX payment was not made because a settlement agreement had been reached and we were waiting on the closing. We should have closed in XXXX but the XXXX lien holder caused the delay by demanding {$6000.00} in lieu of the {$3000.00} that was initially agreed upon. This account should only reflect SETTLED-LESS THAN FULL BALANCE ; CLOSED. No late payments and ABSOLUTELY NO FORECLOSURE. Please note, I have been denied credit by Rocket Mortgage due to this inaccurate reporting. I demand you produce a docket number for Foreclosure Proceedings in the State of Illinois or REMOVE THIS INACCURACY IMMEDIATELY.

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 2023-02-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted several disputes trying to resolve this inaccurate information on my credit report. The most recent dispute was XX/XX/2023. The original amount of this account was {$3500.00} and Original Creditor is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am writing this complaint as I received an underreported notice of income from the IRS. I purchased XXXX with Cash App in the year of XXXX and I did not report it or pull the documents early in XXXX when they became available. The problem is that after tirelessly trying to obtain the XXXX form for cryptocurrency losses from Cash App for XXXX whole week, reported under Block, Inc, I have been unsuccessful. I attempted to call numerous times and use the chat feature on the app, but they are unable to provide me with the XXXX in any other medium besides on the app under the document section. The problem is that they are not there. Cash App customer service has sent me in a loop, referring me back to documents in the app, but there is nothing there for XXXX transactions. After trying again, they referred me to their tax preparation side of the app, but I did not use them to prepare my taxes and that division would not have any information on me. I attempt to call or chat again and I get the same results. I have attached some of the email communications with Cash app customer support to show that this cycle they are sending me on is true. I have also attached a screenshot of my documents section on the app where there is no XXXX area to select. I have even consulted with a lawyer about trying to get these documents from Cash App but there is a {$2500.00} retainer. I wish they could just pull the documents using my social security number and send them to me in some form or fashion but they are claiming it is for security reasons, which I understand. In the end, if I had that document, I would be in the clear with the IRS, but I am having trouble with the financial institution of Cash App providing me with what I severely need. I can not afford the adjustment that the IRS is proposing because Cash App wont provide me with the XXXX or other documentation proving losses. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2023 I received a new credit inquiry on all my credit reports. About a new application for Capital one bank. I didn't make these requests and my information is compromised.

Cap One NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
This is with reference to Mortgage Account Number XXXX with Loan Depot. 

The insurance coverage through XXXX XXXX on my residence lapsed while I was out of the country last XXXX, and I did not realize it till I got a note from my lender notifying me about it. I promptly got new insurance from XXXX on XX/XX/XXXX with whom I had also started a car insurance policy a few days earlier. In effect, I did not have coverage from XX/XX/XXXX to XX/XX/XXXX - a period of about 45 days. 

After I submitted the XXXX insurance, I as told by Loan Depot, that there was a gap of 45 days where I did not have insurance, and that they would try to get coverage for that period if I was unable to do it. When I checked around with XXXX and other insurance companies, they mentioned that it was illegal to backdate insurance. The letter from loan depot also indicated a charge of {$800.00} ANNUALLY. I spoke with the loan depot representative who indicated that the pro-rated charge for the 45 day period would be {$120.00} or so. Even though I felt that backdated insurance was a scam, I was ok as it was costing me only {$120.00} or so I was surprised to see a charge of {$800.00} on XX/XX/XXXX, and have tried to contact loan depot who have refused to remove this charge. Need help to resolve this issue, and remove this unfair charge. Please note that there was no damage or claim on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: IL

Complaint narrative:
XX/XX/2023 Disputed To Have Inquiries Removed But None Was Deleted Or Removed.

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 2023-02-07 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: MO

Complaint narrative:
Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue three fraudulent complaints with the Consumer Financial Protection Bureau, one each regarding XXXX, XXXX, and Experian. Those complaints are complete nonsense.

Company response to consumer: Closed with explanation