vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I have made the international transfer on XX/XX/2021 via XXXX for the sum of XXXX USD plus a XXXX USD transfer fee total of XXXX USD, Recipient never recived the money, I contact the XXXX they stated it is completed and they transfer it to their third party partner they will check with them and get back with me been a month after that I contact Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they investigate. XXXX XXXX again its completed and they transfer to their third party partner, Bank XXXX XXXX says they cant dispute and please contact XXXX to resolve the issue I called XXXX again they said they can't help me so I contact Bank XXXX XXXX again so and referred my to the consumer financial protection bureau now I am in a situation I lost the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by NETCREDIT ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Preferred Lease. Preferred Lease has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Preferred Lease. They received it certified mail and signed off on XX/XX/21 at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I applied for the card was approved. No where on the application said {$150.00} annual fee the first year then {$29.00} every year after. 
I called the card people they said its nothing they can do. I asked to speak to a supervisor the same thing. After I used the card and XX/XX/21 I saw the fee. I would have never used the card if I knew their was an annual fee. 
I called them on XX/XX/21 asked them to close the account. They said I had to pay the {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was scammed by XXXX in XXXX. I disputed with the company that I was unhappy with the products. I had trade assurance which allows me to have a refund within 30 days of delivery of the products. The company did not honor this so I then disputed with my bank capital one. They reviewed it and denied my case in XXXX after I submitted evidence. I then resubmitted evidence in XXXX proving that my case in XXXX shouldnt have been denied and it was denied based on time being past 90 days. Capital one failed to give me my money back in XXXX as I was scammed and I proved I had trade assurance which XXXX did not honor. They sold awful products and broke the contract. Capital one did not help me even though I have proven the case. I am owed my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
United Wholesale Mortgage ( UWM ) - Failure to return escrow funds in a timely manner as prescribed in CFR 1024.34 ( b ) ( 1 ) My mortgage balance was paid off on XX/XX/2021. 

I received a letter from XXXX dated XX/XX/2021 indicating my mortgage was paid in full and, " Any funds remaining in your escrow account, or funds received in excess of the payoff amount, will be processed and returned in accordance with applicable state and federal laws ''. 

As indicated by XXXX and the online portal ( XXXX ), a refund was processed on XX/XX/2021. 

On XX/XX/2021 I called the customer support number ( XXXX ) asking about the status of the refund. I was told by customer service that checks take a further 5 days to be produced and mailed out. That would place XXXX outside of the 20-day requirement to return remaining escrow balances. I asked XXXX customer support for proof of mailing but they are unable to produce one. Customer service says the United States Postal Service ( USPS ) is slower than usual. That is an unacceptable excuse when they can't produce proof that it was placed in the custody of the USPS. 

As of XX/XX/2021 the refund has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I was a customer of XXXX  in XX/XX/XXXX, which I finished services and returned the modem to XXXX in XXXX, Kansas. XXXX claims that I did not return the modem, charged me XXXX, then sent my account to collections with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. When I had called to dispute this issue, they stated that they needed a receipt, which XXXX was unwilling to give me since they return the item in batches. Thus, I want to dispute this claim as I have turned in the modem ; it has also damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AZ

Complaint narrative:
My account number is XXXX. OnXX/XX/XXXX I called into XXXX XXXX XXXX and I spoke to a XXXX at XXXX. She started the call asking for my Social security number and then provided me with my first and last name. She refused to assist me and stated that she would not approve a payment plan for me because I would not give her personal information. I stated I what I could pay however she would not set anything up for me. She was unclear and would not answer my questions on what would happen to my account. I asked to make a payment and while I was walking to my wallet she laughed at me and was very rude/unprofessional. I called back and talked to a XXXX at XXXX he did not ask for my name or social security number and provided me with my account number over the phone. I am concerned about information released and the fact that the company refuses to assist their customers. XXXX did not even attempt to help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
On XX/XX/XXXX XXXX received my mortgage payment in the amount of {$2200.00} for the full month of XXXX, XXXX and first half of XXXX, XXXX. Of this amount, {$750.00} was put into curtailment. 

On XX/XX/XXXX, XXXX received from me, another month and one half mortgage payment of {$2200.00} to include XXXX, XXXX. 

Therefore, as of XX/XX/XXXX, I was one full month of mortgage payments in advance. 
Having paid {$2200.00} on XX/XX/XXXX and again on XX/XX/XXXX. 

However, XXXX, misappropriated a half month payment of {$750.00} to curtailment on XX/XX/XXXX, and NEVER corrected this error, subsequently causing inaccurate accounting and reporting of my account as delinquent, in my trail mortgage modification period. 

XXXX records show curtailments of funds occurred a total of five times as follows : XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$750.00} However, ALL of these amounts were not applied to the mortgage when the payment was full month. I want : 1. An AUDIT of my payment history and an accounting of all curtailments from XX/XX/XXXX until XXXX, XXXX. 
5 curtailments were used to subvert funds and XXXX records demonstrate only 3 corrections. XXXX improperly applied 1 month of funds to principal by diverting my payments to curtailments which were never properly refunded. 

I want all 5 payments subverted into curtailments applied accurately to my payments. 

When I resume mortgage payments on XX/XX/XXXX, I expect to be 1 month in advance of payments.

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 2021-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account in XX/XX/2020. There was a bonus offer associated with this account of {$400.00}. Although I met all the requirements, the company CapitalOne did not give me the bonus. I have contacted them three times but they were unable to find the problem and credit the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: GA

Complaint narrative:
Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by XXXX ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file

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 2021-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by XXXX ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file

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 2021-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX of 2020, my husband lost his job due to XXXX. Our mortgage payment was paid but it was late that month. We managed to figure out a new budget and have not been late since. I have asked Bank of America to please remove the late payment from my credit report citing the CARES Act. Under the CARES Act lenders are expected to not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Also detailed under the CARES Act, lenders are required to report accounts as current. 

I've called Bank of America numerous times and they just won't help me with this. I have been told that I can sign up for a hardship program but that would only assist with future payments. I do not need to sign up for a hardship program to defer future payments. 
I am not asking for payment forgiveness or deferral. I'm simply asking to not be punished for XXXX late payment at the beginning of the pandemic.

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied to refinance my home with the same bank as my current mortgage. 
Santander Bank. 
The bank is not going to refi without a profit and loss statement. 
I have already given the bank prior tax returns an all other documentation needed with no issues. 
I have XXXX in equity in my home I have XXXX cash in the bank Something does not seem right due to the fact that we are in never before seen times due to health emergency. 
They wanted 2021 tax returns but we havent filed yet as a lot of businesses have not done. 
Turned down for a refi with the same bank i pay monthly over not disclosing my profit and loss information I am a small business owner and not one to quickly judge anyone 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 2021-03-31 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: MS

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION XXXX XXXX a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Original ( vehicle ) loan was with XXXX in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with XXXX. XXXX was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to Capitol One. XXXX stated Capitol One adopted the loan account and would be responsible for the lien satisfaction statement. Capitol One title dept was contacted with all details, a fax request was sent per XXXX XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. Capitol One XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold, hence why I'm discovering this issue now. New buyer needs this for title purposes. DMV reflects the lien as still " Open ''. A lien satisfaction was never received by either XXXX or Capitol One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
THIS IS NOT A DUPLICATE!!! 

XXXX XXXX XXXX never provide me with a HIPAA XXXXelease form, when they tried to validate the medical debt. which is a HIPAA violation!

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX Collection Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX Collection Creditor : 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