vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Our title company got a mortgage payoff amount and wired it to Pennymac on XX/XX/2020. Pennymac held the funds for 5 days before reporting the payoff amount was wrong. I only found out when I logged into Pennymac 6 days after the closing ( a Saturday ) and noticed that the loan was not paid off. Pennymac refused to pay off the loan until we paid another {$320.00} in interest. When I contacted Pennymac for a resolution, they claim they notified us in three days, not 5. The fifth day was a Friday, which is very convenient for Pennymac to collect additional interest from us. I have an e-mail from the company we re-financed with that shows Pennymac waited 5 days to notify us. I don't think it should matter how many days, because the fact of the matter is that Pennymac was holding all but {$2000.00} of our payoff amount. They had {$170000.00} when our payoff was {$180000.00}. In essence, Pennymac charged us {$320.00} for {$2000.00} that was outstanding for 7 days, which is usury. It was also their fault that the payoff did not come for another 7 days because they did not notify us. Pennymac claims they mailed us a new payoff, but we did not receive any such thing. We agreed to settle the matter for {$170.00} and Pennymac sent us a refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Great Lakes. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: NY

Complaint narrative:
I have disputed unauthorized hard inquiries on my credit report. I was told that they will conduct investigation. It has been over three months since my first dispute letter, I have not provided any record evidence of " permissible purpose '' despite me requesting that multiple times. 
These wrong inquires have significantly affected my credit score and my ability to obtain new credit. Especially in this tough time of COVID pandemic, it has created excessive stress on me and my family both financial and emotional. 
I have to report this matter to CFPB, Attorney General and Consumer Advocates ( XXXX XXXX XXXX, XXXX ) after persistent non compliance from the credit bureau.

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 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My mom added me as an authorized user on her credit card she opened without my authorization or knowing and her credit card balance shows up on my credit report. I had her call and take me off and was told it should drop off of my credit report in a few days but Im nervous and annoyed with the fact she so easily could add me onto her credit card without my social sec. or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am an XXXX. I won {$1000.00} from Bank of America for improperly charging fees. I think this is a bigger more widespread problem than just what my client  had. 

To learn more, please read my attached memo. 

Then maybe we can work together to fix things. 

- XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX was conditionally approved for a chase mortgage refinance. On XX/XX/XXXX after three months of financial inquiries I received a verbal after weeks of asking for an update my refinance is being declined and I will not be refunded {$500.00}. The reason for the decline is because I do not have a sale agreement to support the payoff of an auto loan in my account and the check is written directly to me. What is even worst Chase was not aware of the payoff as it was not on my credit report and shared with them so they can include in financial responsibility re adjustment. I am being informed the {$500.00} is not being refunded due to fees incurred, but every week I was following up and would not hear back for days as the front line rep was constantly waiting on under writing. One fee they are staying is appraisal which was {$350.00} but they fail to inform you they charge you an extra {$50.00} because the company they use charge them this. Appraisal was conducted too early and should have been done once all financial reviewed were completed so the customer does not incur and unnecessary charge if they are declined for financial reasons. Additional, they submitted my items to title company who has called my employer three times wanting me to complete information with me which I am sure is a cost as well. Received a call from the in XX/XX/XXXX the same day I received a verbal decline. At this time I am only asking for chase to refund me back {$500.00} as the fee incurred where unnecessary and due to there internal process failures. When you have at least 3 people changes and no telling what is occuring in back office which makes them take weeks to respond to simple feedback a customer should not be penalized for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Midland Credit Management. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: AFNI INC.
State: FL

Complaint narrative:
XXXX refused to do proper investigation and providing validate verification for Afni collections account saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. This is a fraudulent account the incorrect social, date of birth & spelling of name was used to open. XXXX  confirmed this info to me and removed the account and the incorrect social from my profile immediately. XXXX  is claiming the AFNI file has been verified as mine. I have a fraud alert on my credit to avoid this happening again. Please AFNI removed from XXXX  report as I am looking to buy a home and it holding me back from taking advantage of the best rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
The use of the greenhouse program at Wells Fargo is a product that shouldnt be used. The product has options that have already been around for years in the banking community with the use of debit cards. They just came up with a name to sell or market the product. I believe it needs to stop immediately.

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 2020-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had an auto account with Santander Consumer USA that was sold to XXXX XXXX and they offer me an settlement which I had paid successfully on XXXX XXXX of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XXXX XXXX they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XX/XX/XXXX refinanced mortgage with XXXX XXXX {$120000.00} Ownership of the loan was transferred to XXXX XXXX XXXX XX/XX/XXXX the loan was modified and new monthly payment amount began XX/XX/XXXX. The monthly payment amount changed ( reduced ) and the maturity date moved from XXXX to XX/XX/XXXX. 

XX/XX/XXXX ownership of the mortgage was transferred to XXXX XXXX XXXX XXXX XXXX. The lenders information is currently listed as Select Portfolio Servicing , Inc., ( SPS  ), XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX The terms of the original loan modified monthly payment amounts applied to principal and interest after a ten year period ; applying a larger amount to principal. 

Fifteen years from original loan, a greater portion of monthly payment is being applied to interest. It is mathematically impossible for the total to be paid ; as of XX/XX/XXXX The ending balance is listed as {$88000.00} ; explanation of amount due XX/XX/XXXX : Principal= {$320.00} Interest= {$360.00} Regular Monthly Payment= {$680.00} When I phoned SPS, I was told there wasnt anything they could do, they only service the loan. 

Any assistance you can provide in resolution of this matter, is greatly appreciated. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Wells Fargo. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
XXXX XXXX I removed {$500.00} by atm that had a fee of {$2.00} successfully and received my text alert.The next day ( XXXX ) it would not allow me to withdraw the same amount and my online account was locked and said to call customer service, over the next few days I spent over 10 hours waiting to speak to anyone and the phone was disconnected at 2-3 hours of waiting. I now demand closure of the account and the remaining some of {$690.00}, as of XX/XX/2020 be sent to my home address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed account t # XXXX with " The XXXX XXXX XXXX '' as these accounts were fraudulently opened and were removed from my credit reports Because they could not validate the debt. Now these accounts have resurfaced back onto my Transunion and XXXX  report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.

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 2020-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: SC

Complaint narrative:
On XX/XX/2018 we indicated to our rental agency that we would be exiting the rental property that we lived at by XX/XX/2018. We paid our prorated rent in full for that time frame. During this time we were in the process of buying a house so things were very confusing. We asked XXXX to work with us which they chose not to do. After some changes and attempts to stay longer we eventually left on XX/XX/XXXX as originally indicated. After we exited, XXXX attempted to collect the remaining balance of the rent for days that we were not there. They additionally falsified receipts and made up records to say that we didn't clean the house. We have video and email records to indicate the house was clean, the keys were left on the counter and all money that we owed was paid in full. XXXX XXXX in XXXX XXXX South Carolina has a history of scamming renters.

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 2020-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Long & Foster Financial Services, Inc.
State: TX

Complaint narrative:
I had applied for a mortgage with Prosperity Home Mortgage LLC in XXXX of XXXX with Loan Officer XXXX XXXX NMLSR XXXX. I and my Real Estates Agent XXXX XXXX were told at the time everything was " a go '' and we could begin to look for properties. We found a property at XXXX XXXX XXXX XXXX, Tx. XXXX and put in an offer. Mr. XXXX said at that time all was good. I talked with him several times on the phone. I was concerned because I knew that there were issues with my credit being borderline, but he continued to say that " we're good. '' According to my credit report he checked my credit on XX/XX/XXXX. After the offer was accepted and Mr. XXXX told me " we're good '' I paid {$470.00} dollars for a Home Inspection with another {$50.00} for termite inspection. I then received a message from Mr. XXXX office that they need {$550.00} for appraisal. I sent that to them that day. During this time my realtor, the seller 's realtor, and myself ask Mr. XXXX to supply the loan letter to the seller 's agent. Each time he said he would get that to her that day. We were set to close XX/XX/XXXX. Title work was complete and all was ready. Mr. XXXX asked for a delay of 7 days. I then was bombared with request for the same paperwork over and over, He began to talk about issues with my credit to my agent, but still had not pulled it a second time. He would not talk to me directly during this time. He would not tell me directly that I wasn't getting the loan but told my agent she needed to find me a home to rent. XX/XX/XXXX came and the contract was not funded. I have never received the paperwork that denies the loan or shows why that is required by law. When my agent attempted to find out what was going on he stated only " I never gave you a loan letter. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In early XXXX, I noticed a discrepancy on my credit reports for a home equity loan that I have with Chase Bank ( # ending in XXXX ) even though my credit report on my XXXX showed a satisfactory payment history, when I looked at the posted payments for each month, there was a discrepancy between the amount posted as paid vs the actual amount paid on that particular month ( as shown on the credit reports. ) In those cases where an amount paid was incorrect/different than what appeared the Chase record vs. what appeared on my credit report ( i.e., showed as less than was actually paid for several months. ) Chase asked me to fax them copies of my payment records and I did send them bank records to support my claim that a specific amount was paid on each of the contested months. I got a response from Chase Executive Offices and Chase confirmed that their records are in agreement with my records. At that point, Chase said that there is nothing they can do since their records of payment agree with the customer records of payment and Chase advised that I get in touch with the three credit bureaus. 
I contacted each of the three credit bureaus and they offered to pursue a dispute, but they also informed that they get their info from Chase which basically put me in the middle of a Catch-22 finger pointing situation between Chase and the credit reporting agencies. Rather than continue, I just dropped the matter since my overall payment record with Chase was satisfactory. In XX/XX/XXXX, I informed all three credit reporting agencies that I want all consumer disputes removed from all my credit reports because they are interfering with refi loan processing via another lender. The credit reporting agencies removed all disputes. On XX/XX/XXXX, one of my credit monitoring services informed that Chase added the following remark concerning my HELOC with them : " Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account : Consumer disputes - reinvestigation in progress. '' There is no pending dispute and I want the new remark entry removed immediately to avoid further processing problems with my refi application with another lender. Why Chase added this dispute remark months after doing nothing on the issue is beyond me, but I want the remark removed NOW! XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: OH

Complaint narrative:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by PNC Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation