vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, XXXX  is reporting no late payments and Equifax is reporting a status of 60 days late, XXXX : XXXX  is reporting a status of 120 days late, XXXX is reporting a status of 180 days late, Equifax is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX   and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX and Equifax are reporting opened XXXX of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX  XXXX Auto Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, Experian is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : XXXX is reporting a status of 120 days late, Experian is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX, XXXX is not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account XXXX XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Auto Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX  are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 Cash App closed my account with them for no suspected reason. In order for me to use the application furthermore, I had to cash out all remaining funds, unlink my email and phone number and then proceed to make a new account with the same information, in which I did, with the exception of using the same email. I used a different email for the new account in hopes that they may need accessibility to my original email for the previous account in case of re-opening. I did as instructed from their help section on their app. On XX/XX/2020 I received a Cash card merchant refund to the cash card that was associated with the closed account for an unpleasant stay with XXXX. I communicated to an XXXX  support ambassador that was assigned to my case prior to XXXX initiating the refund that the card that was used to book the reservation was closed and I had no access to that account. The Ambassador stated that XXXX can only refund the payment to the payment method that was used to book the reservation initially and that the recieving bank should either transfer my funds to my new account or mail me a check of the balance. After she initiated the refund, I contacted Cash App immediately to inform them of what was happening. They gave me one option called a merge and that was unsuccessful. They gave me another option of sending random payments back to recipients from the old account totaling the amount of the XXXX refund and then telling them to forward the funds back to my new account that is accessible. That was unsuccessful. Then they told to have XXXX recall the refund. I reiterated to them that XXXX can not recall the refund as with many other merchants. I reminded them that it is the financial institution 's responsibility to make sure the recipients funds are delivered to them. They said there was nothing they could do, they could not provide me with further information, my account was closed due to violation of their Terms of Service, and I would no longer be able to acccess the account or the funds. When I asked them what would happen to the funds since I can't retrieve them via their end or via XXXX, they did not respond with an answer to my question but instead just kept saying I will not have access to my funds for security reasons. Throughout the emails ( there is no live support ), they kept giving me false hope and the run a round with retrieving my funds. I just want my money. XXXX refunded {$680.00} and out of that, there is {$680.00} as a remaining balance on the card. I have contacted many agencies about this issue in the hopes that someone will help me. I am tired and need my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: SC

Complaint narrative:
I was paying a company called PMAB for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, PMAB received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me PMAB sold/merged with a company called XXXX services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for PMAB that I had for over a year, this number directed me to XXXX services. XXXX services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
XXXX services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: GA

Complaint narrative:
I have sent several dispute letters to Equifax and they have not investigated this fraudulent account. Its been removed by both XXXX and XXXX XXXX. Equifax has not began any investigation on this account. It has not been deemed frivolous but its constantly looked over in every dispute ive sent. Ive sent all supporting documentation including a FTC Identity Theft affidavit, an Identity theft police report filed with the XXXX Police Department, and also a letter requesting block or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today I contacted Transunion regarding their inquiry issue and their customer service would not help and take care of the negative inquiries reporting to your credit report. They refused to remove, investigate or offer aid in resolving matter. 

Multiple inquiries are on credit that I did not consent and some are listed multiple time on the same day such as : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Automotive

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my credit report and notice several fraudulent accounts. I have provided a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello This is my 3rd complaint. My account has been frozen since XX/XX/XXXX. The conclusion was they were going to close my account and send the remaining funds back to sender. One of their reps informed me it would take 7 to 10 business days to return. I called customer service asked for a supervisor and they denied it. All calls are being recorded. I told them to pull the recordings and they could verify what I was told. I have yet to receive a call from anyone. I left tons of messages and nothing. The funds is occurring interest thru the company that sent it. The longer capital one keeps the funds the more I will owe the company. Why treat people so heartless? I have had a couple of family members that passed in a matter of 2 weeks due to this virus, my business is not doing well, I was laid off and dealing with this. Its not fair. I've been experiencing financial hardships. I can not bare to experience even more. All I'm asking is they please send the funds back. If I need take legal actions they need to tell me something but all they keep saying is no time frame. That's hurtful to experience, Especially during a time like this. Can someone please respond. I understand they have policies they follow but to not give someone a time frame or communicate with me at all is unacceptable. Hopefully this last complaint will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I HAVE BEEN CONTACTING CITI BANK FOR YEARS NOW AND TO THIS DAY SENT LETTERS NO RESPONSE, THE COMPANY HAS A CREDIT ACCOUNT OPENED IN MY NAME IN XXXX AND CLOSED IN XXXX AND THIS ACCOUNT IS NOT MINE, I HAVE TRIED TO CONTACT THEM AND THEY DONT HELP, HAVE WENT TO CREDIT REPORTING THEY VERIFY THE ACCOUNT IS MINE, I HAVE SENT SEVERAL WRITTEN LETTERS NO RESPONSE

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 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MN

Complaint narrative:
XX/XX/2020 I bought XXXX  via cash app. I was asked to add my ID to my profile to verify it was me using the account. I tried numerous of times to upload my info to the app but it kept giving me an error message that it could not read my ID. I looked into the steps again to make sure my photo was in good lighting etc. After doing those steps again, I continued to get this error message. I decided to contact support services on XX/XX/2020 I received an email for cash app support with employee names XXXX stated that I should upload my ID front and back and send it within the secure folder link that was sent with email. I did this and was told it will talk up to 10 days for a response. On XX/XX/XXXX I sent a follow up email to ask if they are going to respond to my request.. I have it another 3 days and sent the same email asking for an update. I did this about 2 more times and still have not gotten any response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CARD Corporation
State: PA

Complaint narrative:
Today I have contacted y'all to see if y'all have got my disputes to claim letter I upload online on the secure document center yesterday on the XX/XX/20. Y'all agents told me y'all never got it, and I would need to make a new dispute, and they never send me the dispute letter to my email today, and I am still waiting for it, and I need to dispute {$25.00} XXXX  XXXX XXXX  for cancellation services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I refinanced my mortgage loan from Dovenmuehle Mortgage solutions in Illinois to XXXX  XXXX XXXX XXXX XXXX  ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to Dovenmuehle Mortgage solutions IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. Dovenmuehle IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with Dovenmuehle IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
I HAVE BEEN CONTACTING XXXX XXXX  FOR YEARS NOW AND TO THIS DAY SENT LETTERS NO RESPONSE, THE COMPANY HAS A CREDIT ACCOUNT OPENED IN MY NAME IN XXXX AND CLOSED IN XXXX AND THIS ACCOUNT IS NOT MINE, I HAVE TRIED TO CONTACT THEM AND THEY DONT HELP, HAVE WENT TO CREDIT REPORTING THEY VERIFY THE ACCOUNT IS MINE, I HAVE SENT SEVERAL WRITTEN LETTERS NO RESPONSE

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 2020-10-06 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: VA

Complaint narrative:
I asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF THE WEST
State: OK

Complaint narrative:
Over the last 2 weeks Bank of the West has been calling my work, every morning. 
They have NOT called my cell phone one time, not even once, nor have they sent me a default letter. 
On XX/XX/20 at aprox XXXX, I was finally able to get transferred to the dept that has been harassing the employees I work with. I asked why they haven't called my cell phone, they had no excuse. Had them remove my work number and gave them the phone number to my bankruptcy atty. 
At XXXX XXXX on XX/XX/20 they called my work AGAIN, the whole office staff yelled at me to answer the phone ( which is so embarrassing ) I did, I greeted them and guess what ... they hung up on me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I work for my family business and was given checks to deposit into my own account as it is my wage. I showed the bank the paystubs, w2, and payroll register of the company to show that the checks were written to me and verified by both the owner and CPA. Chase however decide to restrict my account and took my money for both the check deposit, cash deposit on ATM and all my money in the account. I use that account to pay bills and now i am unable to pay bills because they thought the checks were fraudulent. I have went to branch to clear this out but it was no help. 

XXXX in check on hold and {$1400.00} cash on hold from atm deposit that was a loan from a family so I can pay mortgage for this month. 

Total balance on lock is {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
I applied for a refi with Amerisave in XX/XX/2020. I have had to pay {$500.00} upfront. Service was extremely poor. Almost no communication. I was told by the loan offer I was approved. After several months of calling and providing constant updated information I get a call from a supervisor that I dont qualify. Im shocked at the sheer inept service and the lies. I was told originally that I qualify. I would not have wasted my time and money with Amerisave had I known otherwise. 
Extremely unhappy. 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 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: VA

Complaint narrative:
I asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be 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