vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX   RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NV

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have a credit report dated XX/XX/XXXX indicating I was late 60 days late XX/XX/XXXX which is correct. I paid the loan in full in XX/XX/XXXX. When reported again my credit report indicated I was 60 days late for the month of XXXX. I have spent countless hours and sent bank statements, copies of credit reports with no success to get the reporting corrected.

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 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN TRANSUNION RECEIVED THE LETTER.

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 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I have been a Robinhood member since 2015. I loved the simplicity, and empowerment with the app and decided to signup for the banking product last year. 

I m closing on my home today on XXXX and reached out to Robinhood after seeing the transaction limits and asked if they could wire the amount during closing on Friday XXXX. 

Until then, I did not realize there is no direct phone number for the company and there is no direct accountability for my transaction. I tried reaching the company actively over the past 3 days to no avail. 

They do have a XXXX  account and I thought I was getting the support I needed. Its close to end of business and I am not sure if my transaction would go through. This impacts my home closing contract and multiple parties including the lender, the seller and myself. 

I also find it surprising that my transfer request was not honored one day before despite the internal approvals. 

I would need robinhood to have an accountable associate be setup to see my transaction through. 

I also have a decade experience in banking industry and I find this process unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This company has violated FCRA, The company has admittedly said that they received my FCRA 609 letter on XXXX the XXXX and they did not send out a letter until XXXX the XXXX, therefore taking more than 30 days to respond. I have never received a letter with my rights, I would like the company to look into their records and tell me what address they claim they sent the letter XX/XX/XXXX. 

They have also violated FCDPA, threaten to sue me for debt that was never validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX an annual escrow analysis was completed on our mortgage loan effective for XX/XX/XXXX payment. We noticed on this analysis that the insurance amount that was being collected/projected on this analysis was for the incorrect amount of {$2600.00} for lender placed insurance. We then reached out to our servicer and notified them that we have homeowners insurance and that our premium should be much lower. Once the servicer noticed this error we sent over the Declaration page to have the insurance updated and corrected with the lower premium amount of {$1000.00}. We were informed that the loan would then be re-analyzed ( this replaces the analysis with a corrected analysis ). The loan was analyzed on XX/XX/XXXX for the effective date of XX/XX/XXXX. The servicer stated that the reason this was done was because the payment due ( XX/XX/XXXX ) was coming up in a few days. We were then told that we have to pay the higher mortgage payment ( which is {$500.00} higher ) for XXXX and that our payment would just decrease for our effective payment of XX/XX/XXXX. That does not make sense considering that our payment is going down and we are due for XX/XX/XXXX and the incorrect analysis that was completed was effective XX/XX/XXXX. We have called several times and no one is willing to help or acknowledge that the loan needs to be analyzed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On or about 4 weeks ago PayPal suspended my two business accounts, one under XXXX XXXX, the other under XXXX XXXX XXXX With no notice or opportunity to correct anything, they just froze my accounts and I can not send money receive money, conduct my web business or anything. I have had customer complaints and have had to try to do work-around in order to stay in business. Covid has hit us hard as well and to have this on top of our financial challenges is rough. I have tried to get a XXXX on the phone to resolve the situation with no success. I can not get a detailed explanation of what policies I am not in compliance with. They have around {$5000.00} tied up for 6 months because they say that is their policy. We sell XXXX   XXXX  and XXXX XXXX  with XXXX XXXX and we sell XXXX  XXXX  products with XXXX XXXX XXXX All our products are legal. We do not make any excessive medical claims. I would be happy if PayPal would just close my two accounts, send our money to us and we will find another merchant banking solution. Would you please help us resolve this as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
My initial complaint XXXX named XXXX XXXX XXXX and XXXX as subservicer ( account XXXX ) in this matter. It turns out that XXXX  ( account XXXX ) was responsible for the shady practice of reporting my payment late when it was, in fact, timely and discrepant. XXXX  sold my mortgage loan to XXXX immediately following this shady report. 

XXXX followed up only to implicate XXXX and told me they could not resolve the issue. 

All the detail I provided in the initial complaint then, would directly apply to XXXX  as the company at fault for incorrectly reporting. 

I am not sure it is true that XXXX can not correct this? 

If true that the complaint must be shifted to XXXX  in order to get it resolved, would you please be kind enough to re-process the complaint noting this update? 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XX/XX/XXXXRECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I became aware Sunday, XXXX XXXX, that I was being billed on my XXXX credit card monthly. I was never aware of any authorization on my part, hence I never even knew about such a membership through experian credit bureau. I scrolled through transactions from XXXXXXXX XXXX for {$1.00} then a monthly charge of {$21.00} per month from XXXX XXXX. Till it was cancelled. That is {$190.00} that I am in debt for. I am a senior and struggling with potential bankruptcy and surgeries etc. It is immoral for experian credit bureau to somehow manipulate that charge without my awareness. I expect a full reimbursement from them for i am struggling to pay down these cards. Experian told me to contact bank, bank told me to contact experian.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank is refusing to extend the payment deferral on my credit card account during COVID. I explained to them NYS is not operating fully and is facing another shutdown they said there is no other option but to pay the balance unless I want to close my account. I can not lose this instrumental credit line since I am using it to purchase basic essentials to survive during COVID given I am being prevented from operating my business during the pandemic shutdown. This is absolutely absurd that Chase will not work with their customers DURING A NATIONAL CRISIS, despite having perfect repayment history and a great long standing relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently viewed my credit report and the information listed in the attached letter is inaccurate.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus XXXX, Transunion, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus

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 2020-10-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
This is a complaint against American Advisor Group ( AAG ). I filed a complaint with XXXX XXXX XXXX as I filed complaints with CFPB. AAG is a reverse mortgage company who isn't skilled with HUD Loan Requirements. I am not upset that I didn't meet HUD Loan Requirements. I am upset that AAG lied about returning the appraisal fee. See attached email chain, dates XX/XX/2020 guaranteeing refund and then 44 days laterXXXX declining refund. 
I am upset I have a needless inquiry on my credit report. Furthermore, they can check their Quality Control tapes and see that AAG stated they were pulling credit when the truth is they hire another company, XXXX XXXX, to pull credit who I did not authorize! And this is a violation of the FCRA Code section 604. 
So, AAG could have refunded the {$120.00} as they promised in attached email and removed the wrongful inquiry on my credit report and this would have been resolved long ago. Ridiculous! 
Attached is the complaint with XXXX XXXX XXXX together with other attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
On XX/XX/XXXX a collection account appeared on my credit reports from AFNI for a supposed debt of {$460.00} to XXXX. This account states it was placed for collection on XX/XX/XXXX. I have no recollection of this collection account. I have had an account with XXXX since XXXX ; it is up-to-date and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NV

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex company is misleading Small Business owners to apply to its Business credit card and then damaging the customer personal credit score with hard inquires and false advertisings about being a " Business '' credit card.

They send multiple emails and advertising to apply to their business credit cards and then lower the FICO credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have resolved an auto loan with USAA for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed USAA have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a loyal customer of Bank Of America for years now, since the day i turned XXXX with no issues. Im almost XXXX. Earlier this year I had {$900.00} fraudulently taken from my account a couple weeks before I XXXX XXXX XXXX XXXX XXXX XXXX. They denied that claim saying that there was not enough evidence & when i called to try & reopen it they said it wasnt possible. I filed a police report like they said, but in the end they gave me the run around & all they did was close the account & opened a new one up. So all documents are lost on my end. I would have been more on top of it but i was XXXX XXXX XXXX XXXX, & when he was born he needed XXXX XXXX XXXX & then the pandemic was starting to happen, I had lost my job because of it. There was so much going on, by the time we finally got home after everything I figured that {$900.00} is lost now. Fast forward to XX/XX/XXXX, I went to a baby shower, & I was about to XXXX myself money from my Bofa app to another bank account. ( I make at least 10+ XXXX transfers a WEEK ) but i decided to just pay using my bofa instead. I was still logged into the bank app because it automatically signs you out after a certain amount of time. I set my phone down for a second & Im guessing someone either saw me type my phones code in or just knows my sons birthday, but they got into my phone & sent someone named XXXX {$140.00}. I didnt even notice until the next day. Usually i get a text code whenever I XXXX  large amounts of money but there was no messages for that. He is also not on my contacts so i dont even know his number or email for XXXX. Whoever was on my phone deleted all of it. I called bofa to file a claim & they once again denied it saying that I consistently make XXXX transfers from the phone, so there is nothing they can do. When i filed the claim, i told them it was sent from my phone though but i did not authorize the charge, i dont even know who the guy is the money was sent to. They once again told me to file a police report, but its been over a month now & i know they wont reopen the claim once i do. They once again closed the account & put a {$880000.00} hold on it. So now im just wondering if there is anything I can do. this whole year feels like bofa has been robbing me. I have XXXX XXXX & XXXX they have never given me any issues for years. Im a single mom & Ive been out of a job since XXXX. I worked up until the day before I XXXX XXXX  just for it all to be taken away. Please helppp : (

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