vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On or about XX/XX/2019 I contacted my mortgage company Pennymac regarding a cash-out refinance, due to an ad that had been placed in my monthly statement. I was put in contact with XXXX. XXXX, a loan officer with this company ( his NMLS # XXXX ) regarding the possibility of doing the refinance. We live in a condo in XXXX XXXX, CA and I was advised by this agent that our one bedroom unit was being appraised at {$210000.00}, and that in fact a unit identical to ours was just sold for {$220.00}. According to this advice I contacted Mr . XXXX on XX/XX/XXXX and told him that based on this information we would proceed with the application. He advised me that we would have to pay for the appraisal upfront, and that the appraisal I would have to obtain would be {$440.00}, although he had mentioned previously that he could attempt to obtain an appraisal for {$170.00}. That did not happen, and we proceeded to pay Pennymac for what I thought would be an appraisal that would allow us to proceed. Within two days an appraiser was here at our property, accompanied by a lady who was the photographer. After raving about our place he seemed more interested in discussing the problems with his teeth than checking any of the usual items an appraiser would to make sure were in good functional condition.But as soon as I told him I was a health insurance broker his conversation was centered around teeth and the work he needed to have done. His assistant took a lot of pictures, and they left. The next day to my consternation his appraisal did not even come close to what Mr . XXXX had suggested it should be. It came in even lower than what we paid for the property at {$190000.00}. thus killing any opportunity of doing the refinance. I believe this really was a very unfair way to treat a good customer of Pennymac who has always paid his mortgage payments right on time. I feel I was mislead by Mr . XXXX. In trying to contact the company regarding the {$440.00} they had taken from me just two days prior it was nearly impossible to connect to any person. After about two hours of asking for a supervisor or anybody who I could speak with I finally reached a gentleman who promised to contact the people in charge, but not never happened. I wrote Pennymac but they ignored my contact. So now I am submitting his complaint as I feel I was not told the truth, the appraiser they sent was deficient in his obligation of providing a fair appraisal of my property, and as a senior who has to work at age XXXX 6 days a week I have lost a significant amount of money for no good reason. I believe in all fairness I should have been contacted by Pennymac regarding my letter, and that all I heard from Mr . XXXX when I asked if there was any remedy was that he guessed the loan was a dead issue. I believe I have been treated unfairly in this situation and would like my money back. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2019, MoneyLion approved and sent me a personal loan of {$500.00}.  The payments were reoccurring, drafted automatically from my checking account. Because the payment were automatic, I quickly forgot about it. 

On XXXX XXXX, 2019, a 30-day late/delinquent account appeared on my credit report and it was from MoneyLion. Due to a recent change from my bank, the payments were no longer going through. 

However, if you were to check the phone application, it states that Im still on track for paying my loan. There is no indication that the loan is late. 

There was no notification that my payments werent going through. I was not contacted once. To make sure, I checked my email, the application on my phone, any missed calls/voicemails, text messages, or physical mail ; no correspondence was received in regards to the potentially negative credit reporting that was about to occur. Rather, I was being sent promotional emails. 

Part of the problem was my fault ; not checking if the payments were going through. However, I was mislead by their phone application, saying that I was still on track to paying my loan. I thought everything was still okay. 

I tried to remedy the problem by just paying all the loan at once. When submitting my payment, the application glitched and my payment did not go through. Multiple error messages would appear. I tried three other payment sources from three different banks, and I would still receive an error. 

I then called MoneyLion, or at least attempted to. I spent half the day trying to reach someone about this urgent matter ; all my calls were eventually dropped. The longest I waited was 40 minutes, only for my call to be dropped. 

Finally, I submitted an email to their support team, only to be given a generic automatic reply saying I can check my loan status on the app, which was not helpful. 

I still need to pay the loan, and another potentially negative mark might appear on my credit report. 

Working with MoneyLion is incredibly frustrating, especially when its almost impossible to pay off a loan. 

Proof will be attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Due to a lapse in employment, I was unable to pay this loan. After a phone call with the company on XX/XX/XXXX, I was under the impression that i would be able to make payments when I can over the phone. 

When I would try to talk to the company on the phone, i would be on hold for close to 1 hour. I have been hung up on multiple times with the company. I have sent multiple messages, to the company trying to make a payment arrangement and nothing would ever be set up. 

After filing a complaint with the XXXX XXXX XXXX I was able to speak to a XXXX XXXX who was able to complete a liquidation request for my account, to use the money lion connected liquidation account to pay off my loan balance. At that time, I was not told of a liquidation lien for the payoff. That payoff was processed XX/XX/XXXX. 

After trying in vain to reach Money Lion, with the XXXX account website coming back as a 404 error. and the atlassian.moneylion.com email also coming back as a 404 error, and being taken through numerous hoops to finish paying this account, I now have a 90 day late notice on my credit report with XXXX XXXX for a payment that was made XX/XX/XXXX. 

I was then told by a customer service person that a liquidation lien was placed on my account, which stays on the account for 60 days. That would lead this loan to being 120 days late, for a payoff that was already processed XX/XX/XXXX. They did not tell me about this lien, and I personally do not believe that they are telling the truth with respect to this liquidation lien. I believe that XXXX is a criminal company, and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: DE

Complaint narrative:
In XXXX of XXXX I contacted Transunion LLC and XXXX to have non-holding account inquiries removed from my credit report that I did not authorized. They refused to do so and did not send any validation showing that I did under the Fair Credit Report Act. 

The following inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX via 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 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been trying to resolve this issue since last year XX/XX/2018 .... payments have not been posted to my loan and also Floridas Hardest Hit was also not applied correctly. I have been trying to resolve this problem I have also tried loan modifications and they keep denying it. I have all documents which state the amounts are in correct and because of this I keep getting denied the modification its a domino effect. I just received another letter from them stating I applied for the modification late after they sent me to foreclosure. This is incredible I have been trying to modify and correct this problem. Way before it got this far all the notices I get from them are inconsistent I have all of my documents to prove it I have sent them proof and nothing gets done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: DE

Complaint narrative:
Since our Joint Chapter XXXX Bankruptcy was DISCHARGED on XX/XX/2017, XXXX XXXX CONTINUES to harass me, XXXX XXXX XXXX, via miscellaneous collection agencies. My attorney 's well aware of this. 

For more details, please see the attached documentation or contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XX/XX/XXXX Capital One credit card statement showed my balance was {$3200.00} with a due date of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance in full ( {$3200.00} ). On XX/XX/XXXX, I was assessed an interest charge of {$40.00}. On XX/XX/XXXX, I called Capital One customer service to inquire about the interest charge since I had paid the balance in full by the due date. The first person I spoke to said she could not determine why I got the charge and then consulted with someone else. One hour later ( put on hold numerous times ), the other person told me that interest was charged from the time the statement came out ( XX/XX/XXXX ) until the day it was paid off ( XX/XX/XXXX ). I then asked what the purpose of the due date ( XX/XX/XXXX ) was if interest was going to be charged from the day the statement was sent and not the due date. The rep said I had been under a 0 % interest rate for 12 months but the promo expired on XX/XX/XXXX. I asked how I would've known that interest would've started accumulating that day and not after the due date as it is with most companies?? She advised it should have been in the welcome packet I received in XX/XX/XXXX ( over a year ago ) when I opened the account ; she said they don't provide any notifications on the statements. She refused to remove the interest charge and when I asked to speak to someone else regarding the issue, I was advised I would have to call back and get someone else. I then called back and asked for a supervisor again who also refused to remove the interest charge. I explained I thought it was a deceptive business practice to begin charging interest on the date the statement was sent and not after the due date. I then requested to close my account if that is the way the company operates and is unwilling to credit an interest charge ( that should've never been applied ) for a good customer. They promptly closed my account without trying to retain me. I do not think it is fair for me to have to pay the interest charge and am requesting it be removed. I would've paid the balance in full on the day I received the statement if it was stated that I needed to. I never pay interest fees on any card. I feel the way they are handling this promo and interest rate period is very deceptive and an easy way to get unsuspecting customers to pay an interest charge as soon as the promo ends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Credit Card Services made an urgent request to Equifax and XXXX  Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to Equifax and XXXX. This issue has not been resolve I have been calling Equifax and XXXX  since XX/XX/XXXX and they stated they have not received any letter or request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: MS

Complaint narrative:
I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT EQUIFAX they are really giving me a hard time about removing these items off my report Company-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score.  This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CO

Complaint narrative:
I always pay my account online with this particular company but this one time they notified me that the payment was received but then 30 days later i was notified that they never received the payment and that there was a 30 day late payment that was going to be put on my credit report. I have tried to fix the problem with the company because it was not my fault but they have not removed it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I had a XXXX procedure performed by XXXX XXXX XXXX XXXX XXXX XXXX. Before the procedure, I was given a price for XXXX of {$800.00} and {$470.00} for anesthesia. ( please see attachments # XXXX ) In XX/XX/XXXX I discover a collection on my credit report for {$2200.00} posted by Collection Bureau of Hudson Valley, with original creditor XXXX XXXX XXXX, however, I have never received any collection letters from them before. On XX/XX/XXXX I sent a request to the collection agency ( Collection Bureau of Hudson Valley ) with a request to validate my debt. On XX/XX/XXXX I received an answer from a collection agency stating that they are in receipt of my dispute along with account ledger from the original creditor. They had failed to provide me with any copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/XXXX I sent another mail to the collection agency requesting them to delete this collection record from my report as the amount is incorrect and they failed to validate that this debt belongs to me, and haven't received any answers from them till today. ( please see attachments # XXXX ). I also have contacted XXXX XXXX XXXX and they confirm that that was their mistake and I should have been billed for the amount of {$470.00}. ( Please see attachment # XXXX ) They have never sent me a bill for right ammount, however.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This account has appeared on my credit report file before and has since disappeared. I called to pay off my medical debt ( $ 255-ish ) with Rash Curtis & Associates to find out that a XXXX XXXX Apartment account still in collections. I have used CFPB before to settle my many credit card debt that I have had due to Identity Theft. This XXXX XXXX Apartment collections account appeared during the time the credit cards were opened, unbeknownst to me therefore without my authorization. I have been living with my parents and have never moved out nor stayed at XXXX XXXX Apartments. My previous partner many years ago stole my social security information and has opened up said credit card accounts under my name and took the liberty added himself as a secondary on all accounts. I never authorized any cards nor did I authorize for him to have this information - let alone rent out an apartment without my consent! I have never missed a car payment on my first car loan, nor my second ( current ) auto loan, credit card payment, nor rent - I have a positive payment history. I have also asked all the company that have forgiven my Identity Theft debts to press criminal charges if possible to my previous partner. If you notice on my account my ex partner also attempted to either open a credit card or a loan and added an address in Nevada to my credit file, he currently lives in Nevada. I have NEVER left California and let alone have an address in Nevada!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX - Called to verify debt. They asked for SSN, Birthday. It's an collection company. The original debt is through Capital One. XXXX XXXX XXXX sent a settlment offer on XXXX. When I called Capital One today, they stated that XXXX XXXX XXXX does not own this debt and never has ; in fact, XXXX XXXX XXXX owns this account. XXXX XXXX still tried to collect on a debt they do not owe, can not verify, and Capital One states they do not own. XXXX XXXX Inc is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
I have disputed this bill over and over many times. The credit bureaus takes the bill off and put it right back on with difference collections agencies trying to collect for this bill. I have included the dates of the reports to prove them putting this collection back and forth, I need them to stop taking the bill off and putting the bill back on my credit report. 

This is harming me and messing up my credit along the way. Please stop them from putting this on my credit again and charging me more money. Please keep this bill off of my credit and removed it. They skip months of putting this bill on my credit and then after 3 months they come right back and put it on my credit with different companies. Now on the XXXX credit bureau report ; it is stated that this Source Receivable MNG stated that they open this account in XXXX but on my XXXX credit bureau report shows I do not have any collections. 
This is yet harming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
To Whom It May Concern : I have been in contact with Chase Cardmember Services about a dispute that clearly falls under the category of " goods received were not as advertised. '' I sent in a very detailed report that showed how the goods were not as advertised and how I didn't even receive some of the goods purchased in the same order. Their response was, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' It's hard to understand how they could have come to that resolution, given all of the details I sent through that clearly demonstrated that in fact I did not receive what was advertised. 

The merchant is easily identified as a fraudulent company from a basic XXXX search as well, which I also provided evidence for. 

I want to escalate this so that it is reviewed by a competent oversight authority. 

Thank you in advance for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation