vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I initiated a {$2500.00} transfer from my Capital One 360 Savings account to an external account on XX/XX/XXXX. As of the writing of this complaint, XX/XX/XXXX at XXXX XXXX PST, I have not received the funds into my account. I sent a message via XXXX after attempting to get through on the bank customer service phone line. ( High call volume ). The response via XXXX indicated that transfers to external accounts take two business days ( it has now been 6 business days ).  I was told to initiateI a secure chat through an online session. The result is that I am being told to wait ANOTHER TWO business days to research the issue with no direct point of contact for follow-up. 

This is not the first instance of this occurring. In the last instance my account overdrafted due to the delay in funds transfer. I have a credit bill due TODAY for which those funds are needed with another bill due tomorrow. I initiated the transfer with sufficient time ( per XXXX message the standard is two business days ). 

While they are " researching '' the issue, they have not provided a direct point of contact, issue # or service agreement that I will receive any communication in response to the research. 

I have had multiple investment accounts and savings accounts with Capital One for 10 years and this level of service shows a blatant disregard for customers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
Mortgage was being handled by PHH. It has since been transferred to new processor and the new processor is working with us to correct the problems caused by PHH. 
Two issues : 1. They paid an insurance bill they should not have and then did an analysis of our escrow account and adjusted our escrow balance due based on this analysis. The insurance was paid for one year at the time of closing. This was documented. For some reason they paid another insurance bill. We have no idea where it came from. 
2. They were sending all communications to our old address. This was never authorized. All closing documents indicated the new property address as the address for all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2018, I was charged a {$290.00} XXXX bill on my American Express XXXX for Business card. I have more than once told American Express that I had cancel the goods ( tickets ) and should not be charged. Yet, American Express keep billing me for that amount, despite telling Amex that I have proof in email of that cancellation. I have opened a 2nd dispute ( chargeback ) but still no resolution as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have two credit cards by chase bank. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent 4 dispute letters to XXXX XXXX to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX XXXX, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
My account No. with Bayview Loan Servicing is XXXX. I have been asking for Bayview to send me their short-sale package for three months, but typically, they've not responded. I have emailed and faxed their ceo, president, and head honchos all about this and have gotten nothing. Today, we were served with a Civil Action Summons from XXXX XXXX about our mortgage - WHAT? Since when did Bayview transfer our mortgage to them and they didn't even tell us. Now instead of complying with my simple request for their short sale package, we are in foreclosure. We spent two years of our lives a couple years back trying to get them to grant us a loan mod and they took us to court every month for mediation and finally gave us the mortgage mod. Now this. The way they have purposely ignored my plea for the short sale info is just awful - I told them the house is for sale and I just need those papers. Nothing. Now a summons. I also explained to them that I had a XXXX last year and my income is down to a monthly XXXX check. I hope they're investigated just as their predecessors were - XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: FL

Complaint narrative:
I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.

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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Just received a capital one venture card a week ago, promotion was spend {$5000.00} within 3 months and receive miles bonus. I made this card my primary card for all the purchases. Out of {$15000.00} limit {$1200.00} was used within a week ( due to XXXX shopping mostly ). Today got an email that they closed my account because I did not meet their spending expectations. No other reasons, no details. Nothing. I have an excellent credit score, own a house, have a well paid job. Never had an experience like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: NY

Complaint narrative:
XXXX / XXXX  / Equifax / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application.

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Contacted Experian on XX/XX/2018 at XXXX XXXX  eastern time Initial call was transfer over to foreign representative in which I requested for a American representative, but then transfer over to several foreign representative 's requested four times to speak with American representative., after several attempts I was then transfer over to American Representative, named XXXX out of the Arkansas call center, XXXX refuses to transfer over to her Supervisor after she informed me that Experian does not nor obligated to inform the consumer of the results of the disputes additionally XXXX refuses give me the response date of the creditor. Experian is not in compliance of the fair credit reporting act action resulting not informing of the results after filing disputes, no response after sixty days, hung the phone up on me after asking for response date, here are the intems in which I have disputed 1. bankruptcies, 2. XXXX XXXX, 3.XXXX XXXX, 4 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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I lived at XXXX XXXX XXXX  from XX/XX/XXXX through XX/XX/XXXX. Prior to leaving I gave 90 day notice which more than met the required notice set forth in my lease. I was not given any notice of any monies or fees that were owed and proceeded to move to another apartment complex. On XX/XX/XXXX I received a debt collection letter from XXXX ( XXXX XXXX XXXX XXXX ) stating that I owed {$4900.00} to XXXX XXXX XXXX. I have not received any notice of any debt due prior to this point. So I asked XXXX for a copy of my tenet ledger and they could not produce one, stating that the apartment complex was sold and all paperwork was lost. So I asked how they could try to collect a debt that there is no record of and they sent me a Statement of Deposit that does not list what the debt is for and has dates on it when I did not live there at that time ( this is enclosed ). I looked up the apartment owners ( XXXX XXXX ) and requested information from them. They sent me the same Statement of Deposit and a copy of only 2 pages of the lease I signed. On the lease someone wrote " Skipped out XX/XX/XXXX '' on it. I have proof I lived at XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I have contacted XXXX XXXX ( who was the leasing agent at the time ) and verified her receiving my notice and that my apartment was cleared and rented right after I moved out. XXXX and XXXX XXXX have placed this collection on my credit report and are misreporting the dates and amount owed which is nothing. I have repeatedly contacted both parties to try to get this resolved to no avail. I have also disputed this on my credit report and the bureaus refuse to remove the item because XXXX and XXXX XXXX keep verifying the debt. I please need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
The consumer has a XXXX XXXX XXXX XXXX XXXX XXXX and is trying to have their escrow payments and withholding adjusted accordingly. 

The lender has been unwilling to work with the consumer to resolve the issue. 

XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX date. 

XX/XX/2018 : The Property Appraiser was emailed the award letter and confirmed receipt via phone. 

XX/XX/2018 : The consumer contacted Loan Depot via phone and was informed that all required actions had been taken by the consumer to ensure an accurate real property bill. The XXXX letter was initially provided to Loan Depot at this time. 

XX/XX/2018 : The consumer contacted Loan Depot via phone to ensure a proper real property bill. 

The consumer emailed the XXXX  XXXX XXXX XXXX letter again because they were informed at this time that the letter was never initially received. The consumer confirmed receipt with Loan Depot via phone. 

XX/XX/2018 : The consumer received a letter stating they required a copy of the tax bill. Loan Depot asked that the real property tax bill be faxed to XXXX, which it was. 

XX/XX/2018 : The consumer called Loan Depot to confirm receipt of the faxed real property tax bill as the lender requested. Fax confirmations were retained. 

When the consumer contacted Loan Depot the employee who only identified himself as, XXXX XXXX informed the consumer the fax was never received and the consumer needed to correct the discrepancy with the county. 

The consumer told the Loan Depot employee that the county officials had informed the consumer differently. The consumer tried to explain the letter received from Loan Depot to the employee but the employee was dismissive and uninterested in his companys correspondence. 

When the consumer asked when the over withholding of escrow overage funds would be returned, the employee stated that they would not be. 

At this time the consumer asked to speak with a supervisor. The employee became hostile and began to verbally assault the consumer. 

The employee refused the consumers request to speak to a supervisor and then hung up on the consumer. 

Enclosed please find the XXXX  XXXX award letter and copies of the emails sent to the property appraiser and Loan Depot. 

The consumer has NEVER been late in paying any of his mortgages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express Dispute Reference Case # XXXX I purchased on XX/XX/2018 an XXXX on XXXX. The description said it would work on XXXX. I received the item on XX/XX/2018. XXXX worked with me to set up the phone but we could NOT because we found the XXXX was locked with XXXX XXXX. XXXX XXXX said the owner of the account owed {$330.00} and that the owner was the ONLY person who could unlock the phone in order for me to use it. I contacted the seller on XXXX and he refused to work with me so I opened a dispute on XX/XX/2018 with American Express since I paid the {$450.00} with my Preferred American Express Credit Card. I opened the dispute through the American Express Dispute representative who was from XXXX. I carefully explained all details of the case, I also submitted mountains of evidence which pointed out that this XXXX was defective, not as described, nor in any way whatsoever would work because of the fraudulent activity by the seller. The representative from XXXX INCORRECTLY listed this dispute under the title of MERCHANDISE NOT RECEIVED!!!! Not once did I ever tell him that I did NOT receive the item! I was more than clear that the item was defective and NOT as described. This morning, XX/XX/2018, I learned from the American Express Dispute center that I had lost the dispute because the seller proved I had received the item!!! DUH!!! I NEVER told anyone at American Express that I had NOT received the item!! I was adamant at the onset of my call that I had been deceived by the seller 's XX/XX/XXXX description and that it could NOT work on XXXX for it was still locked on XX/XX/XXXXXX/XX/XXXX!!! I lost this dispute because of the incompetency of an American Express Dispute employee!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/2018 according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/2018 that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or Chase Bank. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XXXX-18 I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Received in the mail Trial Modification Plan from Select Port Folio and the 1st payment is due XX/XX/XXXX. Also received a property foreclosure sale letter form Select Port Folio stating there is a property foreclosure sale set for XX/XX/XXXX for my home. 
I just received the modification papers and I'm concerned my house will be sold even though I've received the modification documents with a mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Real Time Group, Inc.
State: CA

Complaint narrative:
The original loan was made in Oregon as a 2nd Mortgage. In XXXX the house went to short sale. The credit company Real Time Solutions apparently purchased the debt and is miss-reporting as making payments on the account thereby attempting to show it is not passed the statute of limitations. 


This account is well passed the statue of limitations and no payment have been made to this account since XXXX, but the credit agency is falsifying their report to appear that payments were made sooner. 


1 ) Real Time Solutions is not the original owner of the debt.

2 ) Real Estate Loan past the statue of limitations 3 ) Real Time Solutions is misreporting financial information based on payments that have been made to this account. None have since XXXX. 

I have disputed this through XXXX  but the credit agency again misreported the information. 

Report # : XXXX XXXX Mon - Fri : XXXX - XXXX CST Sat - Sun : XXXX - XXXX CST Reason and details Next Reason and details Next General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name REAL TIME RESOLUTIONS Account Number XXXX Account Type Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$28000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$83000.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$420.00} Original Balance {$63000.00} Highest Balance {$0.00} Terms 30 Years

Company response to consumer: Closed with explanation