vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have 2 Cap one cards - only because 1 of them used to be a household credit card of which Cap one took over. This household cc had an annual fee. Once it was taken over by Cap one, I had called and asked that it be converted to a no fee card or to close the account. This was many years ago. Cap One said they could not convert it to a no fee card due however, I could call and ask that the fee be waived once billed each year. If this had not been presented to me as an option, i would have closed the card years ago. So every year I call and ask for the fee to be waived and now, this card has been open a long time and I do not want to lose the history of this card. I called on XX/XX/XXXX and XX/XX/XXXX to ask for this fee to be waived and they are stating they are unable to waive the fee and on XX/XX/XXXX suddenly there is an option to convert to a no fee card however, I would still need to pay this fee. I asked if they would waive this fee and convert me to a no fee card but they refused. At this point I am ready to close both of my accounts. I keep them only for the history and for emergency purposes. I have always been a good customer with no late payments. The agents are ready to close my account instead of waiving my {$39.00} late fee. The agent today ( XX/XX/XXXX ) didn't even seem to care and did not offer my the conversation or counter with any benefits. I work at Citi in our complaint management group. I have been with Citi for 30yrs and yet I still choose the Cap one card. I understand complaints and understand options that can be given to customers. I understand service excellence and pretty much everything about Credit Cards. The service I feel that I received both on XX/XX/XXXX and XX/XX/XXXX makes me feel like I am NOT a valued cardmember and I am ready to close BOTH accounts with Cap One. Please review and let me know if there is anything you can do to assist. I am willing to accept the conversation to a no fee card but also then want this fee waived if I am converted to a no fee card. It would make 0 sense for me to pay this fee for benefits that I would no longer have because I would be converting. Help me understand that LOGIC!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX  and Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
I filed a PSLF 4 months ago and FEDLOAN Servicing keeps refusing to process it intentionally in order to deny me the protections afforded to me by the XXXX XXXX. They ignored the application I consecutively filed 9 times. Attached is a photograph.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bliksum, LLC
State: CA

Complaint narrative:
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name LOANME XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax I'm not sure what kind of company this is the customer service representative barely speak the English language I tried too access my credit report they would not verify me my SSN XXXX dob XXXX till this day this poor excuse for a company will not verify me after sending my SSN driver license and electric bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 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: VA

Complaint narrative:
I sent a letter on XX/XX/2020, asking Experian to send a copy of the documents with my signature on them that they are using to verify creditors. They replied by email they were investigating and the report would be ready XX/XX/2020. However, on XXXX XXXX they said in an email they verified the information. I never received the copy of the documents I had requested. They are verifying information that is incorrect and I want the documents that they claim to have that verifies it is correct.

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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanFlight Lending, LLC
State: FL

Complaint narrative:
I started the refinance process with Loan Flight Lending in XX/XX/2020. They provided me with an initial disclosure estimate that showed the cost of my points I was purchasing to be .50 % or {$1600.00}. We got close to closing ( they provided me the final closing disclosures ) and they asked me what I wanted to do with my existing HELOC loan and I told them I wanted to get that loan subordinated just as I told them when I originally applied for the loan back in XXXX. They were about to begin working on the subordination process when they sent me a revised final closing disclosure that showed an updated cost of .875 % or {$2800.00} for the points I was purchasing. I inquired as to what the increase was related as it was my understanding that cost in this section of the closing disclosure can not change unless there is sufficient support for the change. My complaint is that there is not sufficient support for this claim as I told them at the time the application that I was going to subordinate my HELOC loan and there was a {$250.00} subordination fee listed on every closing disclosure ( initial and final ) that was provided to me which is evidence they knew I was going to subordinate my HELOC during the refinance. When I pushed them harder on this issue, the response I received from them was that my loan officer had spoken to their negotiations desk and they've decided not to honor my request to keep the discount rate the same as they've already applied a credit. I then withdrew my application from this lender as I did not agree with this business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CT

Complaint narrative:
I have a situation that occurred with Fairway Mortgage, which are located in XXXX, CT. XXXX , their loan officer qualified both of our credit and debt to income ratio for a homestyle loan, he then called back several hours later and stated that he was not able to generate an interest rate for us. I then requested to simply have him do a basic conventional loan, and he then refused to do that even that even though again our credit and debt to income ratios were qualified by him. 


When we requested for them to provide a reason why they were refusing to service our loan request after pulling and qualifying credit, XXXX and his Manager XXXX XXXX refused. They also stated via email that they would not provide neither a denial letter nor place in writing that they weren't able to generate an interest rate for us ... 

We're under the belief that this is retaliation for the review that my wife placed under their company website for the XXXX XXXX which she closed with them in XX/XX/2020. Minutes after placing the review on their website, XXXX XXXX contacted my realtor to request that my wife immediately removed her remarks about Fairways poor communication process throughout her experience, but she refused ... 

Is this something that we can move forward with on a discrimination lawsuit??? It has to be illegal to request all of our documents, and then pull and qualify credit & debt to income ratios, and then literally lie about not being able to generate and interest rate. As well as refuse to provide in writing or even a denial letter!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During the peak of COVID-19, I was furloughed from my company. As a result, I was 4-5 days late on two payments during the time that my unemployment benefits were kicking in. I never MISSED a payment and the payments were not MORE than 30-days late -- the criteria for reporting a late payment to the credit bureaus. My credit score was on the mend when suddenly, they decreased my max limit, reported that decrease to the bureau, and it caused my credit score to plummet. This was completely unilaterally without a single communication - no phone call, no letter ... nothing. No chance for me to respond, explain or discuss with a human being.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( TU ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX ) and/or XX/XX/XXXX ( Experian and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( Experian XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
Each month my husband and I pay our mortgage on time. We just purchased our dream home in XXXX. PLANET HOME LENDING purchased our mortgage from our previous mortgage company. We have our taxes rolled into an escrow account. Our escrow account has XXXX $ in it. Our mortgage company is refusing to pay our taxes in a timely manner. The township we live in is threatening to put our house on tax sale. This is public record, and we dont want or need this stress or blemish. We are considering taking the company to small claims court. We have been calling the company all week, and they keep putting us on hold and not answering our questions. They told us they were going to call the township and they have not made an attempt to call the township as we have been contacting them everyday. We have a XXXX year old XXXX  that lives in our home and we can not have the threat of losing it to something thats out of our control. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/2020 and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/2020 and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Since PenFed have switched to their new mortgage system I have had nothing but problems. I am filing this complaint at the request of a PenFed agent as they dont have any control over these issues and are unable to assist me further. I am no longer able to make payments online so each month I have to call to make payments. I have put in 2 service tickets to get this issue fixed but as of today I still can not make online payments. 

The first payment I made with an agent over the phone on XX/XX/2020 was drafted incorrectly from my XXXX XXXX account instead of my PenFed account as requested. This left my XXXX XXXX account over drawn until they returned the payment resulting in a returned payment fee. 

The second payment was made on XX/XX/2020. This payment did draft out of my Pen Fed but according to the pen fed agent didnt post correctly resulting in late fees. All the agent was able to do was put in a request to have the late fees waived and have the payment reapplied correctly. 

Additional concerns are : Why arent customer service agents able to make changes to mortgage accounts? Anything from making a payment to changing something on my account has to have a request made and sent to someone else. 

Why does it take more than a day to make internal transfers from my PenFed account to my PenFed mortgage? Before the mew system this was an instant process.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called Experian and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and XXXX XXXX sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called XXXX XXXX and they told me they " could not help me, because they already did their job. ''

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 2020-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Leased a new vehicle under a 3 year lease on XX/XX/XXXX. Lease matured on XX/XX/XXXX. Lease agreement contains a purchase option at end of lease term with a stated purchase price. Lessee has no record of my lease agreement and therefore is unwilling to allow me to purchase the vehicle at the stated price. They have an unexecuted substitute lease agreement with a higher purchase price. 

All attempts to try to resolve the purchase price dispute have failed. I have furnished them with a copy of my original signed lease.

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 2020-11-19 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: TN

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Captial One did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called XXXX and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and Captial One sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called Capital One and they told me they " could not help me, because they already did their job. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: New Southern Loans, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, we received a check in the mail from New Southern Loans for XXXX. We called their office to question whether they would check our credit. The young lady stated that she did not know and would have her supervisor call us. We immediately received a credit alert notification of a hard inquiry. The letter attached to the check stated that cashing the check would initiate a credit inquiry. We had no intention of cashing the check because of the 30 % plus interest rate. First, we have raised our credit score by over XXXX points and could obtain a loan from one of our banks. Secondly, we do not need a {$1000.00} loan. We would like this company to remedy this issue by removing the inquiry, report our previous account closed, paid as agreed and remove us from their mailing list.

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 2020-11-19 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: CARD Corporation
State: PA

Complaint narrative:
Today I have contacted y'all to see if y'all have got my disputes to claim letter I upload online on the secure document center on XX/XX/XXXX. Y'all agents told me y'all never got it, and I would need to make a new dispute. I have told them I had to upload it on my online account on XX/XX/XXXX, and I need to dispute XX/XX/XXXX XXXX XXXX XXXX TN the XXXX Purchase On card ending in XXXX - {$69.00} and dispute XX/XX/XXXX XXXX XXXX XXXX TN XXXX XXXX Purchase On card ending in XXXX - {$110.00} For cancellation services Both payments were made in card ending in XXXX, but XXXX got replaced with the card number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Both customer reps from the 3 credit bureaus Equifax, XXXX and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.

Company response to consumer: Closed with explanation