vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I refinanced my mortgage with another lender. I paid all my property tax and they are supposed to send me my refund check if {$4400.00}. I started calling them since XX/XX/2020. I have been calling since, nanny times every month and no help. I received a refund check that belongs to another person two weeks ago and I informed them. They said to shred it. I called them again this morning and spoke with a XXXX who is not very helpful. She said my account can not be found. I can not imagine why they are keeping my money. 

Please help me and I am begging. Just gave XXXX on XX/XX/XXXX. I need this money for baby s formula, wipes, etc. 

The company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX. My account number is XXXX, my last SS # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX Comenity Bank opened an account under my name for XXXX under forgery. I contacted Comenity bank about the fraud/identity theft. Comenity claimed they would investigate the matter but never did. After several attempts to contact Comenity bank about this issue failed I opened a fraud complaint to XXXX XXXX and XXXX XXXX in XXXX of XXXX. Soon after account was closed by comenity bank but Comenity bank kept posting derogatory remarks and late payments on my credit reports. I filed an incident report with local authorities about the forgery and Identity theft and contacted an Attorney on XXXX of XXXX who contacted Comenity Bank about the matter. Comenity Bank denied having an account under my name and suggested taking it up with the credit bureaus and opening a dispute which I did once more. Comenity Bank then sold the account to a collections agency knowing the account was fraudulent. Soon after I was contacted by the collections Agency. I once again opened another dispute with all credit bureaus and supplied the new documentation for reinvestigation and asked the credit bureaus to delete the incorrect information. Credit bureas have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST 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
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I requested a refund from XXXX on XX/XX/XXXX. The funds were immediately sent back to PayPal and PayPal states they returned the funds to my XXXX XXXX XXXX debit card. Problem is, that account was closed around XX/XX/XXXX. XXXX XXXX XXXX shows no funds and stated ( multiple times on multiple calls ) that the transaction would reject and be returned to PayPal. This was not a simple debit card number change ; our account is completely closed. I was told 48-72 hours after the attempt would be when PayPal could see it. Ive called PayPal multiple times with them refusing to do anything, including trace the funds. This is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
A {$2600.00} overpayment has not been refunded. Account shows {$0.00} balance. I have a cancelled check from XXXX that shows Huntington National Bank deposited it. I talked to a customer service representative on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The first representative in XXXX said if it wasn't on the account then it wasn't deposited. I asked my auto dealer if they sent a check for the refund and they said they sent the check on my behalf and gave me a PDF of the cancelled check. I called Huntington back on XX/XX/XXXX with the PDF of the cancelled check and a loan representative was able to verify it was deposited. She said she would send a refund in 5 days. After waiting until XX/XX/XXXX, I called back and talked to another representative of Huntington and he said he would send another check for the refund due. I still have not received the refund on the XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC
State: KS

Complaint narrative:
The department of Illinois Human Services put a debt item on my credit profile that I am not aware of. I never owed the state of Illinois any back payments of any sort! This is fraud on my credit report and the department needs to validate the debt. They put it under my legal name and could not find any debt. I didn't provide my personal social security number because that is private. 

I have not lived in Illinois since the late XXXX 's, and in XXXX I didn't live in Illinois I lived in XXXX, New Mexico. If the state is trying to collect on a debt over 30 years old I need to be informed in writing of the date the debt was first owed before putting these items on my credit profile, and anything containing my signature showing I owed this debt. My credit profile is clean and has always been! I need help with a resolution because this is bogus, and this happened around XX/XX/XXXX per my XXXX  credit profile. Also, the collection company is fraudulent too, no one answers the telephone. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
Requested mortgage assistance or forbearance with my mortgage company several times over the years. I have been forced to file bankruptcy a lot of times to stop the foreclosure on my home. I am XXXX XXXX, I don't want to loose my home. XXXX XXXX with SN Servicing has told me a lot of times I can't keep the house because I could not afford it. I have sent financial and paper work to my mortgage company a lot of times. My interest rate is 13 % and they refuse to lower our interest rate. We have been in our home over 20 years and we are senior citizens. I have called XXXX XXXX a lot of times recently and after I send my documents, she will not return a call for weeks at a time. She is rude and mean. There is all sort of assistance I have read for people that need to keep theirs homes from foreclosure When I Call SN Servicing if I cant speak with XXXX XXXX I am told by who answer the phone can't any one else speak with me, this happened a lot Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capitalone credit card, # XXXX XXXX XXXX XXXX. 
I kindly resquest to investigate Capitalone credit card for abuse, manipolation y harassma thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have opened a BOA Cash Rewards Visa Signature Card on XX/XX/XXXX with promotion of " spending XXXX then get XXXX credits ''. 
But after finishing the consumption, I did not receive it. 

# XX/XX/XXXX # I emailed the problem to my banker and get a reply of " rewards will come in 90 days since account opened '' # XX/XX/XXXX? # I called them because I did not receive anything. It seems they mistook the money I paid for my bill as a reward. After the explanation, they agreed, established a case for me, and said they will add the rewards soon. 
# XX/XX/XXXX # A letter came and told me again that they have added {$200.00} to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES' CREDIT UNION
State: KS

Complaint narrative:
Almost XXXX dollars taken out of account. Dates all the way back to XXXX in unauthorized transactions. I submitted my fraud paperwork and my back told me that the charges were authorized and that there was nothing they could do. 

BECU Is the bank. Now I have nothing and all my hard earned money is gone. 

XXXX XXXX is the company that the withdrawals were coming from and because they are a financial organization? becu says they cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from XXXX XXXX. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying XXXX XXXX directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( Stenger and Stenger ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics Bank finance the XXXX XXXX I purchased in XX/XX/XXXX, from XXXX XXXX XXXX. My initial payment was due on XX/XX/XXXX, wherein, I paid the contracted payment of {$730.00} I also made a Principal Payment of {$1700.00}. 

The Principal Payment was applied incorrectly as evident by the XX/XX/XXXX statement which shows no payment due moreover, the XXXX statement does not reflect any reduction in the principal amount XXXX {$38000.00} XXXX. The XXXX statement requested a payment of {$420.00} which was not credited to my account, this further confirms that the Principal Payment made on XX/XX/XXXX, was applied to Mechanics Bank Interest. 

Mechanics Bank refuses to correct the obvious error and has erroneously reported to the credit bureau XXXXalse information and has destroyed my credit. Mechanics Bank has been aware of this error since it was made and has refused to correct it or communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I received a mailer from Caliber Home Loans on XX/XX/2021. The mailer states they offer rates as low as 0.022 % ( 0.029 % APR ). 

I called the number on the mailer, and the representative said the offer was in fact real, then forwarded me to a Loan Officer to get the process started. Within a minute the Loan Officer stated the offer was not real and began to hard sell me using fear ( " rates just keep going up '' ) and had no data to prove his statement. 

It was very clear from the call that the mailer was just an attempt to get me on the phone. This is a terrible business practice and Caliber Home Loans needs to be audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have a account with XXXX. They OWN XXXX. I tried to sell something on XXXX but never managed to do so. However, I DID have 2 people try to scam me, pretending to buy my item and then trying to fool me into sending them money. 

XXXX has considered that a sale and is trying ot bill me for it, even thought i did not ACTUALLY sale anything. They hit my paypal account and withdrew the money, I don't keep any money in paypal so they reaching into my real account and took it. 

I bank with XXXX and they got my money back. Now, XXXX keeps bothering me for money AND paypal has limited my account so I can't use it to also pressure me to give them money. I don't want to link my accounts with them, they are not trustworthy, but they won't unlimit my account till I do. 

This is like wire fraud/theft. They won't stop bothering me and won't stop going after my money. I've talked to XXXX twice now and although they pretend to have fixed the problem I STILL get notices from them saying I owe them. 

Paypal has a clear conflict of interest in this matter ( they OWN XXXX ) since they didn't protect me at all from this, but instead went after my money even though they had no right to do so. 

THis is the 4th time I have had them limit my account and insist I " verify '' my information. What right do they have to do so? They don't need to see my other bank accounts when they want to " verify '' me. Its not MY info they want! its my banks info. What the XXXX? Its like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX I received an automated call stating that my account with XXXX XXXX XXXX XXXX Mastercard was past due. As I had not received any bills from this company I called to inquire about the balance. I was told a {$20.00} charge on XX/XX/XXXX had been made and that I now owed over {$85.00} due to late feeds and interest. To be clear, the initial charge was correct. This card was attached to my XXXX account and I had authorized a purchase. However, I never received any notification of the bill. In discussing with the customer service rep, XXXX had been sending information to the wrong address. They had cut off the final two numbers of my apartment number, sending it to a different apartment. I don't know why this change was made because I have not moved in 6 years and have previously received multiple bills from them. I was transferred to another customer service rep who stated that all late fees would be waived and my total due would be just over {$25.00} with interest, which I considered a reasonable compromise. However, he was not able to take payment from me when I offered to pay over the phone and had to transfer me to someone else. When I tried to make a payment with that person, they wanted the full {$85.00} and had no record of the previous conversation. I decided to send in a check for {$26.00} to cover what had previously been discussed. The check cleared by bank on XX/XX/XXXX. On that day I received a text from the company saying that I owed {$84.00}. When I called to discuss this with customer service they said I currently owed {$45.00} and had no record of the previous conversations or of the deposited check. She also said the {$45.00} charge was for a " balance transfer '' which had never been authorized. She said she was unable to help anymore with the issue. I closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief