vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I have been trying and have failed to receive the form XXXX from the this mortgage company. It's been over a month and I have escalated this issue as high as I can go within the company. I need this form so my home can be from titled to deeded. My house payment went up over {$300.00} per month to cover these " taxes '' that I don't owe. If they would sign the form then I can file with the tax accessors office and won't owe the taxes. I paid one of their engineers to come and certify that it meets the criteria to have it deeded. I have supplied the documentation over and over to this company and I can't get no where. I had to come up with XXXX dollars so my house would not be sold on the court house steps because they failed to pay these taxes but won't sign the form so I can dissolve the tax debt.

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 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/2020, we conducted a real estate closing and wired a payoff to Freedom Mortgage Corporation in the amount of {$460000.00} to payoff loan number XXXX. A duplicate check was erroneously sent to Freedom Mortgage. Freedom Mortgage on XX/XX/2020 and was tendered for payment on XX/XX/2020 in the amount of {$460000.00}. We notified the escalation team of Freedom Mortgage on XX/XX/2020 of the issue and were assured the check would be returned to our firm. 

Upon being notified of the tendered check we have been in constant communication with representatives of Freedom Mortgage to no avail. Instead, they applied the funds to a different account known as Loan # XXXX On XX/XX/2020 we were transferred to XXXX XXXX at extension XXXX and we were informed that the error of the duplicate payment was resolved and we would receive a wire within 24 hours ( XX/XX/2020 ). The funds were not received and we were unsuccesful in attempting to communicate with Ms. XXXX. 

On XX/XX/2020, I spoke to XXXX ( ID XXXX ), and he was receptive to my explanation and we were assigned a new escalation member to assist us. The escalation team member that we are currently working with is XXXX ( ID XXXX ) at extension XXXX. She informed me that she reviewed the file and asked for 48 hours to review the matter. 

On XX/XX/2020, after not receiving any communication from XXXX, I called Freedom Mortgage and spoke with XXXX ( no ID given ) and she was able to connect me with XXXX. XXXX stated that we should be receiving a wire transfer containing our funds for the full amount of {$460000.00} by the end of the business day. Once again, we did not receive a follow up call from XXXX nor did we receive the wire transfer. 

Today, XX/XX/2020, I contacted Freedom Mortgage again to receive some sort of explanation. I explained the situation to XXXX ( No ID no given ) and she transferred me directly to escalation team member XXXX ( IDXXXX ) who stated she would contact XXXX and have her call us. 

Please note that these funds belong to our firm and are necessary for the operation of our firm. To date, Freedom Mortgage has acknowledged receipt of the funds but has failed to release the funds or provide any explanation as to why the funds have not been returned to us. The monies belong to our firm and are essential to the operation of our Firm 's service to the public. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( O ) XXXX XXXX XXXX ( C ) Attachments contain proof of outgoing wire transfer and tendered check

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 2020-12-18 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2020 I registered my daughter for the XXXX XXXX XXXX XXXX scheduled to take place on XX/XX/2020. I paid {$420.00} for the camp via one of XXXX websites, XXXX ( see attached [ XXXX XXXX XXXX ] ). 

On XX/XX/2020 XXXX XXXX cancelled the in-person camp and moved it online ( see attached [ XXXX XXXX XXXX ] ). XXXX XXXX gave the option to move to an online camp, but no option for refund of the service they were not going to provide. 

On XX/XX/2020 I declined XXXX XXXX offer for the online camp ( see attached [ Online Camp XXXX ]. 

On XX/XX/2020 I initiated a chargeback against XXXX for {$420.00} since XXXX XXXX never provided the in-person camp I paid for and did not issue a refund. 

On XX/XX/2020 XXXX XXXX of XXXX via email asked me to confirm that the {$420.00} charge was accurate, and to sign a letter of non-dispute. I responded that same day declining to do these things. Again on the same day XXXX XXXX responded back Thank you for letting us know. This entire email thread is attached [ XXXX email XXXX ]. 

In their response to Citibank regarding the chargeback, XXXX claims Cardholder likely did not recognize the charge. Despite multiple emails and phone calls, cardholder has not responded. ( see attached [ Citibank dispute resolution.pdf, page 3 ] ). This is a lie. As the email chain referenced above shows, I responded to XXXX and they acknowledged my response. Additionally in the documentation XXXX sent to Citibank, XXXX also included a copy of these emails ( see attached [ Citibank dispute resolution.pdf, page 6 ] ), further evidence of XXXX lie. 

On XX/XX/XXXX, believing XXXX 's lie, Citibank closed the dispute. 

On XX/XX/XXXX I send Citibank a letter and attachments via Priority Mail detailing the above asking them to reopen the dispute ( see attached [ Reopen dispute letter.pdf ] ). 

On XX/XX/XXXX Citibank responded ( see attached [ Citibank investigation closed.pdf ] ) that they received the letter too late and could no longer assist me.

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 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX adjustment co XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: FL

Complaint narrative:
I had my account on auto-pay. The bank account associated was closed. Capital One Auto finance did not notify me that auto pay has been cancelled. After miscommunication, 30 day late payment appeared on XXXX, XXXX, XXXX. The account was immediately rectified and paid current. XXXX XXXX refused to remove late payment from credit report through goodwill that I was now current. The error was with autopay on their end. This late payment occurred XXXX of XXXX and the amount was {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The debt was supposed to be paid by health insurance and they later send it to a collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: PR

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-18 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion has a very deceptive website that does not inform the customer that they will be charged {$29.00} for monitoring. I was simply trying to create an account so that I could lock my report. I was not informed about being charged for a service.

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 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Sunday XX/XX/2020, my access to my account has been denied abruptly, and with no warning or explanation. 

Its now Friday XX/XX/2020, and still have no access. I have been getting rejected payments for bills on autopay and there is plenty of money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XXXX of 2018, I was promoted a 0 % interest for 2 years on an item at Best Buy, using the Citi Bank My Best Buy credit card. I was immediately approved and made on time payments for two years. XX/XX/XXXX, I opened my account to make a payment, and noticed XXXX dollars interest had been applied. The promotion on my TV ran out, and it was deferred interest ( which was never vocalized to me ). When I called to ask about how to rectify the situation, I was told that I could pay off the XXXX dollars still owed. When I asked how this happened, the employee told me that my on time payments were applied to other purchases, and not the promotional item. They chose to allocate my payments to other purchases. Despite explaining that this is not allowed, the employee refused to let me enter a hardship program, until I said that legally, I was interested in pursuing another avenue. Once I was transferred to the hardship program department, they told me that the employee was misinformed and that I could enter the program. My account is currently closed, but I am still paying the interest that was accrued even though it was falsely advertised to me as not having interest.

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 2020-12-18 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XXXX XXXX, 2020, Portfolio Recovery Associates added a derogatory mark to my reports. I had a XXXX  card, but due to difficulties with work, I could not pay for it. The bank sold this account to Portfolio Recovery Associates. When the manager from Portfolio Recovery Associates called me, we agreed with him that I would make a monthly payment in exchange, that they would not report to credit bureaus about the collection. Later I saw the Portfolio Recovery Associates account in my reports.

Due to the current situation, I believe that it will be fair if Portfolio Recovery Associates, breaking its promises, compromises me and removes this account from the reports in exchange for my payment of 50 % of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C.
State: OR

Complaint narrative:
on XX/XX/2020 I faxed all requested documents, bank statements, curent loan stetements, property tax and ins. papers, copy of drivers licence, etc. to XXXX XXXX @ Filo Mortage of XXXX Az. XXXX XXXX XXXX. & th floor, XXXX Az. XXXX www.filomortgage.com phone XXXX fax XXXX after she received my personal information, she dissapeared into thin air. she had my phone number blocked and I phoned other avenues connected to her and got nowhere. she could possibly be a I D scammer.her nmls # is XXXX and I D # is XXXX she told me that I was approved for my refi. loan and all I was doing was following her directions. Please look into this.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank/Sears card had about {$8000.00}. in fraudulent charges. Citi/Sears has yet to update XXXX that the fraudulent charges were removed from the account balance due.

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 2020-12-18 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: PR

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This issue occurred at XXXX XXXX in XXXX XXXX, Florida. On XX/XX/2020 I purchased a new mattress in-store for {$5100.00}. I inquired about available financing offers and the sales associate informed me there was currently a limited time offer for 60 months with no interest. I agreed to these terms and the sales associate proceeded with the application process on the computer in-store. she encountered difficulty with the application process and required assistance from her manager who completed the application over the phone with synchrony bank. I was again assured by the manager that the promotional offer was for 60 months and no interest. My application was approved and the purchase was completed. I was never asked to sign any forms or financial disclosure agreements. I received copies of the purchase receipt and invoice just before exiting the store. 

My mattress was delivered without any issue. Upon receiving my first invoice from synchrony bank I discovered that the promotion I was signed up for was for 60 months variable interest with an initial interest rate of 9.99 % for the 1st 5 years and 29.99 % after if the balance was not paid off. I contacted XXXX XXXX again on XX/XX/2020 and was informed that the only interest free/deferred interest financing they currently offer is for 12 months. I was told that if I wanted to cancel the order and return the XXXX I would need to pay the {$130.00} re-stocking fee. The manager informed me that this situation has happened quite a few times where customers are told the promotion is 60 months no interest, and they find out later that its actually for a variable interest rate. The manager offered to submit a request to transfer my promotion from the current 60 months over to the 12 months no interest. I agreed that this would be my preferred recourse considering the situation as I did not wish to pay interest or a re-stocking fee. I was told that the change would take at least 1 billing cycle and that any incurred interest would be applied back towards the original principal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

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 2020-12-18 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: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM financial has refused to remove an inquiry that got on their system from identity theft. GM financial is claiming they got permission from the dealership but I never gave the dealership permission to even submit my information to GM financial. GM financial is now refusing to try to work with me to get this removed. I want GM financial to deal with the actual issue that they pulled my credit with no permission from me therefore by law they have to remove it nobody else can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: VA

Complaint narrative:
disputed incorrect items on my report and haven't received the results from months ago

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