vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My home in XXXX XXXX< Florida was badly damaged in Hurricane Michael, after hiring a Public Adjuster I received my final insurance settlement on XX/XX/2019. I mailed the checks to Lakeview loan servicing XXXX, ( XXXX XXXX XXXX ), who bought my V A loan. I began the process to repair the home. I submitted contractor information and invoices, all were denied with no reason given, I hired a GC, Licensed roofing contractor, that all the other homeowners in my quadraplex agreed on, paperwork was denied. The contractor has done the work for all of us everyone else had no problem getting payment approved. I paid for emergency services, right after the storm, claim denied, local licensed contractor. I applied to the SBA Disaster Assistance Disbursement center, was granted a relocation loan to pay off the balance of the mortgage and borrow the money to buy a new home, I notified the mortgage company in writing of this transaction from the beginning, after 6 months of hard work on the part Mr. XXXX XXXX, and Ms XXXX XXXX of the SBA Disaster Assistance center, we made arrangements to finalize the loan, XXXX XXXX denied us access to escrow money ( {$230000.00} ) from my insurance settlement, they have blocked and denied all efforts to pay off the loan, and now insist that we pay {$270000.00} to close out the loan? I just want to be free of these criminals, I have been homeless for a year, I am a XXXX Veteran and this is a V A loan, how can they keep the money, offer no co-operation to the SBA and just behave as if this money is theirs? I have been lied to so many times I can't count them, have sent documents from the SBA and many faxes requesting closure, all denied, the SBA and myself started the closure process with a conference call on XX/XX/2019, the company is still stonewalling us, sent me an email saying that this has been resolved, no documents, one phone call, saying that they did not know how things got this way. I have sat down with the Veterans Justice Outreach Program, and spoken with an attorney, have filed a complaint with the Florida Office of Financial Regulation, as suggested, know I ask you please help, these people are doing the same thing to a lot of other people, XXXX XXXX service members, Veterans and many more, check them out on XXXX site, lots of complaints. Thank you for any assistance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX " XXXX XXXX '' XXXX XXXX XXXX XXXX, FL C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX< FL 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 2019-11-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
" New Issue '' XXXX re-inserted a previously deleted XXXX  account back on my credit report. This account was involved in fraudulent activities. It must be removed immediately. I never received any notice from XXXX that this account was going to be be reported again. Additionally, XXXX  you received valid police reports XXXX and XXXX. This is a violation period. 


Secondly you verified again Synchrony when you were sent police report XXXX, the account balance is fraud. Synchrony is aware various accounts that have fraudulent balances. I was informed the accounts were suppressed. Why is it still showing on my credit anyways? 

XXXX  continues to be NON-Compliance of the law.

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 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am going through a refinance with XXXX  when they reported that Equifax had reported a missed payment on my mortgage at XXXX XXXX. I submitted a file dispute on XX/XX/2019 to resolve the issue. Everyday since XX/XX/XXXX I have received an email from Equifax advertising. On XX/XX/XXXX, I received an email that my Credit File Dispute is complete with my confirmation as XXXX in addition to my Equifax advertising email. I also received a letter from XXXX XXXX stating that I did not miss a payment and that this was an error. I followed up with Equifax website to get a status update, but this required me to create a login and then use one of my two annual reports. Then, Equifax required me to call in to confirm my identity. I spent 40 minutes answering questions on the history of my credit reporting including providing my current mailing address, last 4 digits of my social security, and a slew of 10 questions regarding my credit history. Then, the agent " XXXX '' told me that I needed to mail in a copy of my photo id and social security before I could get the status of my filed complaint. I did not mail in my photo id or social security because this puts me at a security risk in further. I still don't have the update on my dispute. 

Equifax was the only company that reported that I had a missed payment. Then Equifax required me to use one of annual reports. I was receiving daily advertising from Equifax on their services. Then, when I asked to opt out - I still receive email messages at least twice a week telling me to check on my file complaint status. However, I can not check it unless I send in my ID and Social Security Card. I feel like Equifax made a mark on my credit report on purpose so that they can harass me on buying their services and collect data on me that they should not be collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XXXX charges to XXXX were made to my Chase credit card in late XXXX XXXX ( XXXX ; XXXX ; XXXX ). While reconciling my XXXX statement, I noticed these charges and called Chase on XX/XX/XXXX to report fraudulent charges. During that call, I made it clear that I did not know who XXXX was, nor had I or anyone authorized to use the account had ever done business with XXXX. On XX/XX/XXXX, Chase sent a letter indicating the charges for XXXX and XXXX were fraudulent and were reversed, however the XXXX I had received benefit from and would be charged for. After receiving the letter, I called Chase on XX/XX/XXXX asking for additional details. During that call I made it clear that again, neither I nor anyone authorized to use the account had ever done business with XXXX. I made it clear that I could not provide any details to combat the transaction as I had no knowledge of the details of the transaction - I had no idea what the purchase was for although assumed it was for travel as that was how it was categorized on my credit card statement. I asked for additional details - if it was for travel where from and where to? would providing details on where I was at or access to my passport assist? They indicated they would 1 ) open another fraud case 2 ) asked I upload the pages from my passport 3 ) provided the contact info for the person who had reviewed my claim. On XX/XX/XXXX I received an electronic letter from Chase indicated they had reviewed the fraud charge and still considered it mine. I promptly attempted to call the contact originally provided as well as the contact information on the electronic letter. The call to the original contact was not answered and I was unable to leave a voice mail for that person. I tried the contact provided via the electronic letter who indicated they were XXXX until XXXX XXXX then turned around and called the fraud department again. In that conversation I reiterated the details I had provided before. Chase guaranteed me they would have the contact call me within 24-48 hours to provide additional details on their findings. No one called me. Without their findings I am unable to fight this charge. I did not authorize these charges. I have no knowledge of what was purchased. No one in my family that has been authorized to use this account authorized these purchases nor has any knowledge of what was purchased. I called Chase again on XX/XX/XXXX again stating my position as noted above, calling them out on not following through on their guarantee that I would be contacted and provided with their information. I have given them notice that they have until COB XX/XX/XXXX to provide this information before engaging my legal counsel and requesting all documentation be handed over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
Company name : PennyMac Loan Services LLC Problem : I closed out the loan with PennyMac in XXXX. Pennymac also pulled in the automated payment for month of XXXX. So, double interest was charged for month of XXXX. I have been trying to get a refund on the money since then to no avail. Following is the call history : XXXX XX/XX/XXXX - 28 mins - They can not find the records and need to check with people again to return the money. 
XX/XX/XXXX - 46 mins - Was told that there was a delay and the funds will clear in another week. 
XX/XX/XXXX - 22 mins - Was told the the funds will release in a week. 
XX/XX/XXXX - 24 mins - Was told that the funds will be released in 2 days XX/XX/XXXX - 46 mins - Agreed that the money was owed. 
XX/XX/XXXX - 11 mins - Said will call back as there seems to be an issue but never got a call back XX/XX/XXXX - 43 mins - Disagreed that double interest was charged XX/XX/XXXX - 18 mins - Disagreed that double interest was charged XX/XX/XXXX - 40 mins - Disagreed that double interest was charged XX/XX/XXXX - 20 mins - Disagreed that double interest was charged XX/XX/XXXX - 29 mins - Disagreed that double interest was charged XX/XX/XXXX - 22 mins Incoming : XX/XX/XXXX - 8 mins - Requested bank statement to for confirming the funds cleared from my account XX/XX/XXXX - 4 mins - Confirmed that funds will clear XX/XX/XXXX - 4 mins - Confirmed that funds will clear in another week. 
===================================================== I have tried my best in good faith to get the money back from PennyMac but to no avail. I went them to refund back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
XXXX  Substandard work  we were told the amount was $XXXX to XXXX a month 
We get a bill of $XXXX a month we can not afford this payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I filled out an application for Macy 's Credit Card Macy 's sent me a letter back stating unable to approve application at this time. 
Reason was, no credit records returned from major reporting agencies. 
What would be the reason for not sending the Credit Report to Macy 's

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 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I can not recall the exact date, but approximately 2 weeks ago I and my wife started receiving calls every day ( including weekends ) about a debt my wife owes. The company claiming to be ProCollect will call me first, before calling my wife ( who allegedly owes ). They will give us a number to call back, and one day my wife decided to call them and try to figure out what this debt is. Once the company had been contacted they were extremely rude, unwilling to cooperate and said that we can not set up a payment plan for the debt. They also said they will only accept using our banking information or overnight a check/money order. Then once we said we MIGHT use the overnight method they went back on their word and said [ ... ] thats not how our system works. And after that my wife continued for a short period and then we said we will contact them at a later point. After that point they continue to repeatedly call us.

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 2019-11-29 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: UT

Complaint narrative:
On XX/XX/2019 I received a credit notification that a collection agency representing XXXX XXXX had reported to all three Credit Bureaus a {$150.00} past due bill as well as a new ( and inaccurate ) residential address in XXXX XXXX XXXX. I live in Utah. 

On that same day, I disputed the inaccurate information with Equifax, XXXX, and XXXX. On XX/XX/2019 I received notice from Equifax that the inaccurate residential address was removed, but the collection notice was correct. 

I have verified with XXXX XXXX that the XXXX XXXX XXXX address is the same that is on the fraudulent account which Equifax removed. 

XXXX  quickly removed all fraudulent activity on XX/XX/2019. I'm awaiting XXXX XXXX investigative results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: AR

Complaint narrative:
Over the course of the past several months, I've consistently been in contact with Equifax consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Equifax continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Equifax and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX charged me for a membership after I told them I didn't want to renew my membership. It took longer than usual to get the credit on my credit card. I told Capital One I would not use my card until I received the credit in a check from Capital One. I have notified Capital One numerous times to send me the credit on my card. Capital One has carried a credit for 5 months and refuse to send me a check for the credit. I want my money. Capital One has promised me they would send me a check. They have not honored the promise and are keeping my money. I had a complaint in 2017 with Capital One -- a merchant used my card 3 times without my permission. Capital One insisted I pay the money charged. I am in the process of filing a lawsuit against the merchant to get my money back. I don't want to have anything to do with Capital One. I plan to cancel my card as soon as I get my credit from the XXXX membership refund. How do I get Capital One to send me my money? I have tried to attach a copy of my statement but found it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/2019 I made a payment through my Capital One mobile app for {$1300.00}. When slid the bar to make my payment I received a pop up window with a message that said weve encountered a snag. I closed that window and returned to the main window to see if the {$1300.00} was processing or a scheduled payment. At that time it showed no payment scheduled or pending. left the app and then logged back in and still showed no payment scheduled. So I decided to make a {$10.00} payment to see if that payment would show up in the schedule payment window. The {$10.00} did show up in the payment scheduled window on the mobile app. I decided then to go and do another payment for {$1100.00}. That payment also showed up in the scheduled payments. To re-cap A payment of {$10.00} and a payment of {$1100.00} appeared as scheduled payments no payment ever showed in the window yesterday for {$1300.00}. When I logged in today ( XX/XX/XXXX ) it shows me payments processing ... one for {$1300.00} one for {$10.00} and one for {$1100.00}. I called capital one customer service and requested that they stop the {$1300.00} scheduled payment. Two people directly told me that they could not stop the payment as it is processing and unfortunately I may get a NSF charge from my deposit bank, XXXX   XXXX XXXX. My complaint is- at no time was I told that due to their error if I am charged a fee by XXXX  XXXX XXXX to call them back to offset any fees due to their system error. I find this practice a violation of NACHA and Regulation E. I have a screen shot from last evening that showed only two payments were pending, Giving the consumer information that is unfair and deceptive ( UDAAP ). I have called XXXX XXXX XXXX to request an ACH stop payment but there is not a guarantee that the payment will be stopped for {$1300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was reviewing my credit card statements for the year closely and noticed that I have been charged interest 6 times in XXXX when my balance was not paid in full only twice. When I called Capital One to discuss this with them, they told me that it takes two full months of the balance being paid in full before they stop charging interest. 

She explained it to me like this : If in XXXX, I owe {$500.00} and pay off {$400.00} carrying {$100.00} over to the next cycle where I incur {$300.00} more plus a {$10.00} interest fee for XXXX but pay in full the now balance of {$410.00}, I will also carry an interest charge to the next month. She told me it takes two months in a row of paid-in-full payments to cancel out interest charges. This sounds to me like double-cycle billing, a practice that was outlawed with the Credit Card Accountability, Responsibility and Disclosure Act of 2009. 15 U.S.C. 1637 ( j ) ( " Except as provided in paragraph ( 2 ), a creditor may not impose any finance charge on a credit card account under an open-end consumer credit plan as a result of the loss of any time period provided by the creditor within which the obligor may repay any portion of the credit extended without incurring a finance charge, with respect to ( A ) any balances for days in billing cycles that precede the most recent billing cycle ; or ( B ) any balances or portions thereof in the current billing cycle that were repaid within such time period.

( 2 ) ExceptionsParagraph ( 1 ) does not apply to ( A ) any adjustment to a finance charge as a result of the resolution of a dispute ; or ( B ) any adjustment to a finance charge as a result of the return of a payment for insufficient funds. ) Since my payments are not a result of any adjustments to finances charges from insufficient funds or arising following a dispute, the practice of charging me interest twice on the same money violates this law and I would like my money refunded, their practices investigated, and this behavior to be stopped going forward. 

Thank you for your time.

Company response to consumer: Closed with explanation