vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: AZ

Complaint narrative:
I have had an auto payment set up through my bank with Capital One Cabela 's Club card for {$75.00} a month to cover my monthly credit card payment for a few years. In XX/XX/2019 I started traveling with my new job and didn't realize that my auto payments were not matching the minimum balance due. I received a call from Capital One on XX/XX/XXXX ( which was showing on my phone as spam ) and they left me a message to call them about my account. I did return the call on XX/XX/XXXX and was notified that my account had an outstanding balance of {$210.00} in which i immediately paid the balance due. My statement closing date was XX/XX/XXXX. One day after making the payment to bring my account current, my credit report and my wife 's credit report showed that Capital One reported the account 31 days past due on the XXXX of XXXX. When I called Capital One to discuss this issue, I first talked to a customer service rep, then I asked to talk to a supervisor in which i was not able to make any headway, then called back later and talked to another Supervisor to see about getting more information and make the same request i had previously. I was connected with a supervisor named XXXX, employee # XXXX. He said that Capital One reports to the credit bureau 3 days past the billing end date and that was why it was reported, even though I worked with Capital One to pay the arrears. My statement shows the payment date on the XXXX. He said that the payment was not made before XXXX XXXX eastern time and that was why it was reported. Towards the end of the call his tone changed towards me and made me feel like he was suggesting that I was trying to get out of paying my bills which I am clearly not. The reason this is so important to me is that we are in the process of closing on a house in Arizona and this drastically affects this closing now. I have been a good customer and have made payments on time up to this point of time where life changes have caused issues to get out of hand. I am including the Capital One statements from XXXX to the current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have had a mortgage on my current home since XXXX. My mortgage has been moved from company to company several times over this period. They have lost payments through the transitions and started foreclosure proceedings in the past. The last case is from XXXX. I won a ruling with my proof of payments and bank statements. OCWEN appealed and claimed my documentation was not valid and should have not been admitted. I filed a XXXX XXXX plan in XXXX and made payments for the last 3 years. OCWEN did not apply those payments correctly to my loan. I received documentation from them that my loan was being sold to another PHH company. I passed the information along to my XXXX lawyer. Then then refiled to get a new court date which is XX/XX/XXXX. I have attempted to re-finance my loan to get out from this mess, but I am not allowed to be approved since my mortgage is not being reported on my credit report. It has been reported as current for the last 2 years and stopped being reported in XXXX when it was moving to PHH. I now have a pending foreclosure court date of XX/XX/XXXX, and I have nor recourse to correct this. OCWEN and PHH refuse to talk or work with me on this issue. Neither can explain where the {$65000.00} in payments over the last 3 years have been applied. My principal balance is the same, my arrears balance seems to be the same. Please help me correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out several times to XXXX financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. XXXX financial should contact Transunion and XXXX  to remove inquiry.

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 2019-08-21 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
I am a US born citizen who lived and worked in the US until XX/XX/1995 when I moved to XXXX with my XXXX Husband. I currently hold dual citizenship. 

I file my US taxes every year. 

A very odd pop up came on my phone from Equifax. The names that popped up was from my ex-husband and his sons name from his second wife for what appeared like a loan / lease for a vehicle. I have not seen or had contact with him since the mid 80 's  when we divorced. 

All three of the major credit agencies can only give me my XXXX Credit Report and Score. Because I do not have a US address they will not give me my US Credit Report and Score. I have spent hours trying to explain to them that I have literally not lived in the US since XX/XX/1995. I have tried Social Security, Federal Fraud Agency and they sent me to you. 

All I am looking for is my US Credit Report and Credit Score. If there is activity that is going and it is not mine - I just want it removed or flagged - however that is dealt with. Thank you very much for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I recently spoke to a single point of contact to discuss the status of my escrow balance. I was charged {$260.00} for taxes and insurance. I informed all agents that I paid my own taxes and insurance. I requested a refund of all monies paid for this. I have provided evidence of my property taxes paid to XXXX XXXX and my insurance premium paid to XXXX XXXX. 


Please contact me as soon as possible at XXXX. This additional charge is the reason my account was delinquent and caused me to accrue additional fees. I am also requesting the removal of the added fees. 




XXXX XXXX XXXX XXXX XXXX Curriculum and XXXX XXXX XXXX XXXX XXXX XXXX XXXX University

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
Received a letter in the mail a few weeks ago from XXXX stating that my information may have been used without my consent, XXXX I guess started an investigation, but asked me if I wanted copies from all three credit bureaus, I agreed and so far received my credit report from XXXX and XXXX, my credit report from XXXX  has a negative account called XXXX XXXX XXXX ( Financial ) Pay Status : In Collection and AD ASTRA RECOVERY SERVICE # XXXX, placed for collection on XX/XX/2018 and it's listed as an individual account, I have never in my life used a payday loan company for any reason, so I know this has to be a fraud for which I missed when I order my credit report each year, I have never received anything in the mail nor have I received any phone calls about this account, if I had I would have disputed this account a long time ago, if possible I need a copy of the agreement so I can compare signatures and prove I did not open this account ever. no I do not have a clue who would do this to me, but evidently someone did open an account using my information and signed my name, yes when thinking back my son XXXX XXXX XXXX is very capable of doing something like this, if he did I still don't know how he could do it without a picture id? please investigate this as a fraud because I didn't open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have recuuring transfers from my checking account going to my savings account on the XXXX of each month. I attempted to change the amount of the treansfer from {$43.00} per month to {$50.00} per month. Since I am complterely XXXX I can not access the bank 's website because it is not ADA compliant. I called the 800 customer service number and was refused service because I could not read the digits on my ATM card and I was told to visit my local branch. 

When I arrived at my local branch, I was verified with my state ID but again was refused service because I was told that company policy does not allow personal bankers or tellers to assis the XXXX because I can not XXXX XXXX their computer screens. 

While I can understand that this policy is in place to avoid bank employees from committing fraud on a customer 's account, there is no policy in place to help the XXXX who can not access the online system or physically see a computer screen. Thus, this policy is a direcr volation of federal law and a violation of the XXXX. While the banker 's at my local branch are friendly and try to help find a solution, I am XXXX and they ) are refused services from upper management because my bank 's policy wiwll not help the handicapped who can not access self-service banking options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NY

Complaint narrative:
I am a victim of identify theft.

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 2019-08-21 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: NY

Complaint narrative:
I am a victim of identify theft.

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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have reached out several times to American Express and they said that they would correct any error on my report caused by there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. American Express should contact XXXX and XXXX  to remove inquiry. 


Amex Inquiry from XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2019, I was alerted that capital one froze my account to make any withdrawls. I called them immediately and asked why. After almost 30 mins waiting, they finally came back and said they need to talk to 2 people that sent me a XXXX payment. I told them that those 2 people have nothing to do with my account and if they want to talk to them, they can find there contact info, IM NOT GIVING IT TO THEM. 

At this point, they refused to let me access my money in the account because they want me to give them private information that is none of their business. Under terms of XXXX, payments cant be reversed unless the receiving bank agrees to it. They claim they are worried these 2 people may request the XXXX 's back, at which point I told them they won't, I know them, and 2, even if they did, I refuse to allow. Simple. case closed. 

THEY STILL WON'T LET ME ACCESS MY FUNDS. So, at this point I am fed up and told them to close my account and send me my {$2300.00} cash that is in the account. THEY REFUSED TO. You need to contact them immediately, the {$2300.00} is not their money and at this point they should pay a fine and interest on it. I would prefer not to have to get a lawyer involved since I don't know any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2018 I ordered online a mattress from XXXX but decided not to buy the mattress and cancelled the purchase on the same day. I received the cancellation notice and that was the end of the transaction. I never received the credit but a charge for same amount appeared on my bill. No credit was issued from XXXX and then subsequently told by Discover that the mattress was delivered. I never signed or received any mattress or communicated with XXXX for delivery. It appears there was FRAUD. 
The address was different and I never engaged with anything from XXXX after the XX/XX/XXXX. The information sent to me by Discover makes no sense and they continued along the same line and declined the credit. This is FRAUD since I never engaged with anything beyond XX/XX/XXXX. I need this resolved by Discover. There information they are sending me does not belong to me. IT MAKES NO SENSE> Please resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I believe Bayview Loan Servicing, LLC., is trying to take my home form me. I currently owe less than XXXX XXXX dollars. So, in less than 4 years my home will be paid for. Approximately 2 weeks before being switched to this company, XXXX XXXX   notified me that my mortgage was sold to Bayview Loan Servicing LLC in XXXX XXXX, Florida. The sale occurred in the middle of XXXX, XXXX. Because of my impending divorce and my husbands refusal to abide by the judges ruling, ( mandated XX/XX/2019 XXXX, that he continue to pay the mortgage, I fell 3 months behind in paying my mortgage. The house is only deeded in my name. After being charged with contempt, out of fear, my husband began making partial payments in XXXX, but to date he still owes for mortgage payments in arrears. Albeit, the last two payments he has made have been full payments. 

The representative from Bayview who I was assigned to me is, XXXX XXXX. She is an unprofessional mean-spirited liar. She has failed to communicate with me even when I have made appointments to speak with her via telephone. I have made five appointments that she has not adhered to. Then she lied and said she called, but there was something wrong with my phone. She refuses to answer her business phone when I call. She rejects my email messages. she has lied, stating that I made repayment agreements I never consented to. She has sent me documents with erroneous information in it and tried to get me to sign those fabricated documents. She has refused to offer me more than one repayment option on the back-mortgage amount I still owe. I have asked Customer Service for a different loan officer, but my request has been ignored. I am beginning to believe that she is the only women working at that company. 

Yesterday, XX/XX/1019, my husband made two full back payments. But although Bayview listed both payments on my statement for XXXX, they only credited my account for one of those payments. At this point, I owe less than XXXX dollars in back mortgage payments. If the payment that I wasnt credited for was added to my account, I would owe less than {$3000.00} dollars. So, today, XX/XX/2019, I tried to make a partial payment of {$1500.00} dollars via Bayviews website. That way I would be completely caught up before the end of XXXX. I was informed that I could not make a payment. Furthermore, I was informed that before I make any future payments, I must consult with XXXX XXXX XXXX. There is something very sinister about that company, and there are plenty of negative reviews online and requests by disenchanted consumers to start a class action suit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: OH

Complaint narrative:
Around the middle of XX/XX/XXXX I received a call from a man named XXXX from a company called True Solution Inc. XXXX XXXX XXXX XXXX. XXXX informed me that this company was working on behalf of the Department of Education to assist me with consolidating my student loans and getting me into a reduced payment plan based on my income/dependence. He walked me through what my payments would be, and had me sign the contract via email. I contacted the Department of Education and my current loan holder ( XXXX ) and both said they did not know anything about this company. The Department of Ed told me to contact the Federal Trade Commission and the XX/XX/XXXX. In the mean time I blocked my credit card information. I received a letter from a company called XXXX XXXX XXXX saying my loan had been transferred to them as of XX/XX/XXXX, with a balance owed of {$1200.00}. I called them and they referred me back to True Solution Inc. when I called them back I was told their was nothing I could do about it, I signed a contract and that an attorney would do nothing to help me. They said they would report this to my credit report. They claimed that they are charging for the work of consolidating my loans. The manager that I spoke to laughter in the phone, told me I wasnt competent enough to talk to him and that I needed to have my attorney contact him. He gave gave me his name as XXXX and his number as XXXX. I spoke with the Department of Education and they stated that consolidating my loans was a free service through them and that setting me up on a percentage repayment plan was a free service from them as well and that I should not have To pay anyone to do this. I have not paid anything to either of the companys but need this removed from my credit. I was informed that I was scammed. The XXXX XXXX XXXX agreed. I still going to reach out to other organizations before contacting my attorney to help resolve this. The company has only been in service less than a year and has a few complaints listed already. I have called and asked them to send me a copy of my contract and still have not received it. It was supposed to be sent to me via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
- Opened my Chase checking account on XX/XX/XXXX to receive a promotion going on at the time. Advertised {$300.00} for opening an account with Direct Deposit. 

XXXX XX/XX/XXXX I noticed the bonus hadn't posted yet so I called. They told me there was nothing they could do. My wife then called with me again later that same day, this time they told me they would open a case and call me back in 3 days. 4 days later no call, so I call them again on XX/XX/XXXX. They then tell me I need to go into a branch. 

-I go to a branch on XX/XX/XXXX they completely understood my situation and said they would call me back. 

XXXX XXXX the lady from the branch calls me and says there is nothing they can do even though I met the promotion qualifications because its past 21 days.

Company response to consumer: Closed with explanation