vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: NY

Complaint narrative:
I was charged XXXXXXXXon my Capital One credit card on XX/XX/2020 from a luxury clothing company XXXX in XXXX XXXX XXXXXXXX XXXX The second I got the email I called my cards fraud department immediately. It couldn't have been more than ten minutes after the charge was made. I was credited with the amount and an investigation was launched. 

On XX/XX/XXXX the charge was posted and deem a valid charge. The courier serviced used by the retailer claimed it was delivered to my apartment. The person who signed was not the doorman or anyone in my house hold. Capital One says there is nothing they can do in this instance. 

I am now out of a significant amount of money and now have no fight and launch an investigation of my own which may not even lead to any results and waste hours of life. I feel like I was just thrown out in the cold by Capital One and left to fend for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
HELLO.My name is XXXX XXXX ... Due to pandamic covid 19.Bank of america defferal program from XX/XX/2020 till XX/XX/XXXXXXXX XXXX..I wasn't making payments because I have been told by Bank of America that I will be good till XX/XX/XXXXXXXX XXXX.They closed my account without notifying me In XXXX XXXX also send negative report to credit Bureau. that I wasn't MAKING WHICH IN NOT RIGHT.They can't make false information because I have all the proof that I was on the deferral payment plan authorized my Bank of America.I started making regular payments after XX/XX/XXXX which i have been told by them.My account is still closed and missed payments shows on my credit report.I 'm going to send you the payments i made and email sent by Bank of America about deferAL PROGRAMM.I would like my account to be open and take negative report from credit buereu.Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to refinance my existing mortgage and loan with PennyMac USA. They have been terrible lenders and from day one are not consistent with the information they provide and for over the past 8-months have continued to give me the run-around in spite of all the documentation I have provided.

Today, after 8-months they declined my loan without justification and the worst part is they're not willing to even provide me with a courtesy call or an explanation as to why it was declined since in mid XXXX my loan representative XXXX XXXX forwarded me an email that my loan was approved pending copies copies of my most current payroll check and a copy of a bill for verification of address. I provided the information without a doubt. The response they listed on the decline notice simply states " nonowner occupied '' which is untrue. Now, they removed me from their system and I can't get through over the phone to anyone, Also, they collected 2-costly appraisal fees from me totaling close to {$1000.00} which I'm out of pocket for. My property has a value of 50 % loan to value. PENNYMAC has unethical practices and should be looked at for their lack of customer services especially when I've had my loan with them for over 4 years and I have exceptional credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
In XX/XX/XXXX I received a letter from a debt collector Portfolio Recovery Associates stating I owed {$300.00}. I immediately called them to find out why. It was a credit card from XXXX XXXX. I stated I never got a bill and we both looked at the documentation and they were billing a incorrect address. I never once received even the first statement. They had the wrong town of XXXX XXXX CT listed. This address doesnt even exist so all these statements must have been sent back to XXXX XXXX. I asked what the balance was of what I actually purchased and paid it on XX/XX/XXXX on line with the rep. I paid {$130.00}. I asked them to close out the issue as closed but they want all of the rest of the fee amount of {$200.00}. Now this is appearing on all 3 credit reports. I feel that this is irresponsible when even they agree that XXXX XXXX never got the address right or even tried to fix it when portfolio recovery seemed to have no problem at all getting my address correct. This is unfair billing practice. Please close this issue out and remove it from the XXXX credit reports. I have attached a letter that portfolio recovery sent to me from they got from XXXX XXXX XXXX XXXXXXXX credit card company with the invalid address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter to XXXX, XXXX, and Experian about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: HI

Complaint narrative:
XXXX XXXX/XXXX  Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for XXXX XXXX  failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about XXXX XXXX  failing to report inaccurate information for my behalf being a user with them since XX/XX/XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: HI

Complaint narrative:
XXXX XXXX/XXXX Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for XXXX XXXX  failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about XXXX XXXX failing to report inaccurate information for my behalf being a user with them since XX/XX/XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against 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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT

Complaint narrative:
SPS has repeatedly denied mortgage workouts following a 90 forbearance offered on my conventional private investor [ XXXX XXXX ] owned mortgage loan. They have been unwilling to offer anything other than short sale. We have significant equity in home and feel that the servicer and lender know that any foreclosure sale would bail them out, thus no incentive to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/2020 I received my monthly Barclays CC statement included was a charge for another account ending in XXXX. According to the statement the charge was for {$41.00} for a " tropical smoothy '' delivered by XXXX. The charge was made on XX/XX/2020 in California and even showed a Ca.phone # XXXX. 

Please take note : There are not suppose to be any additional account numbers attached to my account. 
I've never had a tropical smoothy. 
I've never ordered anything through XXXX  or similar company. 
I haven't been in Ca. in 45 years. 

Per their instructions I mailed a dispute letter to their PO box , certified, which was received in Delaware on XX/XX/XXXX. 

As of today, XX/XX/2020, that letter is still being held by the USPO. 

On XXXX XXXX I sent a complaint to the Delaware XXXX XXXX XXXX  concerning this issue and was provided an email address supposedly to the Barclays Presidents office. I sent an email immediately. 

Late, on XXXX XXXX. ( XXXX eve ), I received a phone call from someone only identified as XXXX who left a number and a msg. for me to call. The following Monday, XXXX XXXX, I called her number for the first time and left a msg. for her to return my call. To date she's never returned any of my calls and I've now called the number over a dozen times including the number without her extension. 

On XX/XX/2020 I received a new statement. The unknown account number had been removed but the charge remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX X 2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
I was a victim of identity theft in XXXX of XXXX. On XX/XX/XXXX a Checking Account was fraudulently opened in my name with TCF Bank and a deposit of {$750.00} was made. I had already set up XXXX at the time, so they notified me of the account being opened and we called TCF Bank together. We spoke with Customer Service and I requested they close this account as fraud. We were told that the account was marked as fraud and would be sent to their fraud department for follow up and there should be nothing else I need to do. I continued to receive mail from TCF Bank, so I called again ( not sure of exact date ) and was again told that they would close the account as fraud. In XXXX of XXXX I received a notice that my account was assessed a fee for being dormant and the account was now overdrawn by {$4.00}. I called Customer Service again and was told that they would close the account and waive the fee, however the representative was having trouble waiving the fee in the system, so he said he would call me back when the issue was resolved. I didn't hear anything for a week, so I called again on XX/XX/XXXX and was told that the only way they can close my account is for me to send a notarized letter to TCF Bank requesting for the account to be closed. The explanation for this was that their fraud department ( they call it something else, but I can't remember ) froze the account, but did not close it. The freeze prevents them from closing it in their system and, since there is no branch in my home state, the only recourse for account closure is the notarized letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
I have received notification from a company called Credit Management , LP seeking payment of {$260.00} for creditor XXXX XXXX. 

I wrote to Credit Management and asked them to verify this debt on XX/XX/20. 

I received communication back that they contacted their customer, XXXX, and XXXX said the bill is valid!! 
That is no way to verify a debt!!! There is no details about the age of the debt, no copy of a billing statement from the original creditor, the date that this debt became delinquent, etc. 
I have no idea what this is for. 

I wrote back to them again asking for verification in early XXXX, no work back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently applied for a Bank of America Secured Credit Card and was turned down. The website said this card was geared toward those with poor and fair credit, I applied for this card and was prepared to make the required deposit for this card 's security deposit, but was denied. When I called in reference to why I was denied for this secured card that I would have to pay money to them for, the representative that I spoke with was highly rude and told me that if I had paid my bills like regular people, I could have been approved. This person doesn't know my circumstances and had the audacity to say such things to me. When I requested to speak with a manager in regards to this matter, the call was disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ORIONS MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX WELLS FARGO BANK NA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Recently my credit report showed a collection account with Convergent Outsourcing, Inc that is severely affecting my credit. They say that the original creditor is XXXX. I switched from XXXX to XXXX over 6 years ago with an offer that XXXX  gave us to pay for the outstanding equipment balance to transfer our business to them. I filled out all paperwork required and they were supposed to pay it. After 6 years I get this collection account and contacted XXXX  my current provider and they contacted a XXXX representative with me on the phone to solve the problem. The XXXX customer service representative said this was too long ago and that there is nothing for me to do but pay them. I told them is not my fault they waited years to communicate with me about it and this was supposed to be solved years ago. My current XXXX customer service representative confirmed that this was an offer that I received and that it was supposed to be done as offered, but XXXX 's customer service representative said since it was so old he had no access to that offer any longer and I have to pay. I find that waiting for so long to tell me that I have an outstanding balance has been done with bad intentions. I trusted that this was paid and they waited many years to contact me and to make me liable and responsible. I disputed with the credit buro and they only added a remark that I dispute the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. And its been well over 30 days and I have received any investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. And its been well over 30 days and I have received any investigation results

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