vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Yesterday my wife tried twice to use our Captial One Visa card to pay for a renewal of the XXXX XXXX for one year, but Capital One declined the charge twice. The charge was {$610.00}, and we had {$9800.00} in availability under the card. My wife proceeded to use a Visa card issued by another bank without any trouble. 
I didn't know all this until I received an email shortly thereafter from Capital One : " We recently detected suspicious activity on your account. To protect you, we've restricted your account from making any transaction. '' " Call us ASAP. '' I did call Capital One ASAP but was told by a recorded message that no human being could help for more than ten minutes. About twenty minutes later a representative, who was courteous and professional, called me back. I want this complaint to reflect favorably on him. 
But he had no explanation as to why a XXXX XXXX subscription was " suspicious, '' Anyway, to get the hold removed on my account I had to give the last four digits of my social security number ; my date of birth ; my email address ( which Capital One had just used ) and THEN, I was required to give a " one-time consent '' to Capital One 's texting me with an authorization code. 
I believe the foregoing facts reflect a violation by Capital One of the TCPA and its cardholder agreement, as well, of course, fair customer-facing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I submitted a complaint # XXXX XXXX XXXX XXXX phone XXXX I am attaching information documents needed and adding more to my complaint my attorney finally contacted shellpoint attorneys whom which he said were very rude my attorney said they are adding my bankruptcy default payments to my current statements which should not be they still have not answered the subpoena that was sent also on my mortgage I am listed as XXXX XXXX also I had a hard time down loading my documents please let me know if you did receive the letter of recommendation from XXXX XXXX thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
In XXXX of 2020 I was awarded a loan modification which was to start XX/XX/2020. I made XXXX XXXX   payment as well as XXXX payment on time but when it came to the final payment in XXXX I was notified that I was put on a loan forbearance program. I initially wanted to do a forbarence due to my wife hours being reduced at work because of the coronavirus. After seeing her hours weren't being cut as dramatically as she was told they would i opted out of the forbearance and made the scheduled payments. The mortgage company has informed me that even though our modification payments were accepted and processed they will not complete our modification and furthermore they will not remove the forbearance program from my loan. They stated that once the forbearance has run its course there XXXX be options available. Fast forward to XX/XX/2020 I receive a call from the money source again requesting to bring the mortgage current even though on XX/XX/XXXX we were told they couldn't accept our payments because we were on a forbearance. This phone call was to inform me that we weren't on the forbearance as of XX/XX/2020 and that they would like for us to reapply for either a modification or a forbearance. I was also informed that they would continue to call weekly for wellness checks they call it to see what we would like to do about staying in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: OH

Complaint narrative:
My Equifax report appears to be split into two reports. I get alerts to changes to the report such as balances and inquiries but when I pull my Equifax report from Equifax.com there are no updates to any accounts or inquiries since XXXX or XXXX of 2019 across every account. When I try to get my credit report from other sites such as XXXX it says I dont have one, or I may be deceased. Ive been denied credit multiple times for this reason. I was even sent to a companys internal fraud department. 

Ive called Equifax everyday for the last 43 days To get the situation rectified, only to get nowhere. Ive been hung up on, transferred to other departments, and never get anywhere towards a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I currently have a Capital One credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called Capital One and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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: TX

Complaint narrative:
I HAVE PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND EXPERIAN IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE

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 2020-06-09 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: ID Analytics, Inc.
State: NC

Complaint narrative:
Fraudulent items reporting on my XXXX  person credit report, due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX XXXX   XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The XXXX XXXX XXXX was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX   XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on Equifax, Experian and Trans union and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.

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 2020-06-09 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: FL

Complaint narrative:
Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX XXXX   XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX XXXX did not. For this reason, the property began a Foreclosure Deed in XXXX procedure. The XXXX XXXX XXXX  was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX   XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX XXXX and XXXXd to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on Equifax, Experian and XXXX XXXX and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX  should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX Bank XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with XXXX XXXX loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX Bank did not. For this reason, the property began a Foreclosure Deed in XXXX procedure. The XXXX Mortgage Bank was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX XXXX and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account XXXX and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on XXXX, Experian and XXXX XXXX and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX  should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.

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 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/2020 a letter from Midland Credit Management XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a XXXX credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact XXXX directly because that is where the account originated. 

I contacted XXXX on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XX/XX/XXXX - purchase made via Paypal XXXX - dispute initiated, goods not received XX/XX/XXXX - was told case wld be closed if seller didnt respond by XX/XX/XXXX XX/XX/XXXX - seller has not replied XX/XX/XXXX - seller replied, dispute closed in favor of seller. 

***what the seller sent was a portion of what was ordered and the items were not as described in their ads!! *** XX/XX/XXXX - claim escalated, items not as described and order was NOT complete XXXX - seller offers full refund if I return items and provide shipping info by XX/XX/XXXX XXXX - items returned, tracking number provided XXXX - Paypal denies claim, saying information was not provided. 

Please not there are DOZENS of complaints on XXXX forum about this seller who is obviously fraudulent. However the name the company advertises under is a XXXX name, not the name the bill shows up as. So there is no way to research the company before making a purchase. Paypal is willing doing business with this fraudulent company. It is a giant scam and Paypal let consumers be taken advantage of ; they dont care as long as they get their fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
My Mortgage was sold to Lakeview Loancare, XXXX. XXXX XXXX, XXXX  XXXX, VA XXXX. In XXXX I declared Bankruptcy but I reaffirmed the mortgage debt and never missed a payment. I have the bank records to show I paid the mortgage every month and Lakeview received and cashed the checks. Still they did not record the payments and showed a overview debt of {$840.00}. I called them but never could get an answer as to why they did not credit my payments. Then I was told they had a special dept. to check into payments so I mailed them copies of the checks from the month they claimed were missed. I also emailed copies of the bank statements which noone ever acknowledged either the payments or receipt of the bank statements.Also this company was not sending bills on a regular basis and since I could not speak to anyone there was confusion as to due date. This was long before covid made all companies unreachable and every month no matter what I paid no payment was ever acknowledged nor could I ever get a person to speak to. It was an automated answer which told you to call another no. which was an automated answer for a case worker who altho I left messages and my name and number never answered me in almost two years. I finally called XXXX XXXX firm in XXXX and We tried to reach them by phone with both of us on the line but could not reach a living person only recorded messages. The only way XXXX. XXXX could reach them was by getting in touch with a lawyer who represented them at one time. He said the date due was the XXXX but it had originally had been on the first and there is no way to know when they changed the date. Since them I have still paid every month and I have asked to have the due date changed to the XXXX XXXX of the month. But I have received no acknowledgement of payments made. I sent in two checks for {$600.00} each month for XXXX and XXXX and {$420.00} for XXXX. My payment is {$390.00} a month but there is no credit shown for those payments altho they cashed the checks and I have paid every single month since and including XX/XX/XXXX. Every bill shows XXXX. By refusing to credit my payments this company makes sure I can not refinance my loan and I am stick with their refusal to credit my payments. They also damage the credit I am trying so hard to reestablish since my bankruptcy. This company has not shown good faith in dealing with me and it is over 2 years that they've been refusing to acknowledge my payment. I believe they are attempting to put me in a position that they can forclose on my condo. Covid or not they have no business handling mortgages.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
i am in the process of cleaning up my credit. i was informed that all that is required on a credit report is up to date information, address, telephone, loans, ect. After receiving all 3 credit reports, I saw adresses, phone numbers, and things from more then 10 years ago, some of these things i have no idea of. never lived there or had that phone number. also inconsistencies with writing my name wrong, reporting different account info and all kinds of crazyness. 
i sent each company a letter with a copy of the report pointing out these inconsistencies and out dated information. by law they are supposed to remove this off my report. its been over 30 days and the only thing i got was the same exact report with the same stuff on it saying heres the report you requested. an obvious stall tactic. i did not order a report i already hed one review and was trying to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
On XX/XX/2020 my car was stolen and damaged and deemed a total loss, by my insuranceXXXX XXXX was paid to the finance company BRIDGECREST leaving a balance. XXXX still made payments. Gap insurance paid the remaining balance in the amount of XXXX based on the date of loss. however after the payment was received the finance company Bridgecrest didnt apply the payment and allowed interest to accrue on the account after the payment was received and posted they refused to service the loan and each time I have called the period gets longer it started as 5 days from the check being received to 7 days and now they are saying 10 but when asked is this from the date the check was received it is said from current day which is XX/XX/XXXX. The check was received and posted on XX/XX/XXXX but they not clear my balance and are allowing interest to accrue when I am actually due a refund.

Company response to consumer: Closed with explanation