vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME

Complaint narrative:
I keep making extra payments to PennyMac which are stipulated to be applied to the principle. I have automatic payments monthly which have NOTHING to to with the EXTRA payments that I am making. Repeatedly since at least XX/XX/2019 PennyMAc has been reversing my extra payments. The money is taken out of my bank account and into PennyMac and applied to my principle for a day and then REVERSED. The money is NOT put back in to my bank account and I have NO idea where it is. I have contacted PennyMac MULTIPLE times about this and they keep doing it. I have written many times online and I have called MANY TIMES. I have spoken with XXXX, XXXX and XXXX to name a few. I demand that PennyMac appropriate my funds as allocated and I demand that I get adjustments for any interest accrued from their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 I went to the Chase bank in XXXX XXXX NY to initiate a wire transfer. Waited for over 1 hour for a bank representative to even acknowledge me. I presented the coordinates for a wire transfer with XXXX  XXXX XXXX being the initial bank and XXXX XXXX XXXX XXXX XXXX being the final bank. I was informed by the bank clerk XXXX XXXX that Chase is a " big bank '' that does not need an intermediary bank and the funds will be transferred directly to XXXX XXXX XXXX  XXXX XXXX. After 1 week of the funds not being there, I called Chase to inquire what was happening. They informed me that XXXX XXXX XXXX  was being bought out by XXXX XXXX and they ( without my knowledge or consent ) request the funds back. The funds got back to my account 3 days later ( 10 days from my initial transaction ). As it turns out, XXXX XXXX  XXXX XXXX XXXX charged me {$35.00} for the return wire which i have no way of disputing since they are a foreign bank. Chase charged me {$50.00} for the initial wire and will be charging me an additional {$50.00} to send the wire again. Needless to say I am appalled at how consumers are being treated my these institutions when their dealings are completely out of our control. I was informed that if Chase had followed the initial instruction and initiated the transfer through XXXX this whole thing would have been avoided. I think I should at least me reimbursed by Chase for my transaction fee not to mention the time I spent in their understaffed bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency XXXX XXXX and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to Convergent Outsourcing who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AES/PHEAA
State: FL

Complaint narrative:
XX/XX/2019 phone call received from a XXXX XXXX from XXXX XXXX XXXX. Stated that I was approved for student loan forgiveness program. She looked up the company I work for and stated that it fell under their terms for public service. She filled out all these forms. She also went through and got to my FSA account and had me forget password and go through there to see who my loans were through and get the information. She then had me sign documents and send in verification of employment and family house hold. The terms were that I pay {$200.00} for 6 months to their company and also continue paying the {$10.00} a month to my student loan service. I could not pay off my loans any sooner than 10 years because it was a contract. After this was all done a couple of weeks later I called the company and asked my concerns about how things did not seem correct and I just seemed uneasy with it and he reassured me that after the 10 years the left over interest and payments on the account would be forgiven. I still did not feel comfortable so I called my student loan service company and they could not tell me too much other than a consolidation loan had been made and my payments were only {$10.00} a month and will be re-evaluated next year. I finally found an email from the company ( XXXX XXXX XXXX ) and there was a warning as soon as you click their website stating that the company on XX/XX/2019 was sued by the Bureau for Consumer Financial Protection for practices related to their student loan debt relief operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have a major issue. I always carry a balance on my Amazon Store card. Don't really look at fees and assume interest. I have had a problem with tons of scam charges from Amazon Digital Services ( Amazon has stated they would block for me but haven't ). So I look through my bill and notice a card security fee. We are talking 50-80 at times. I NEVER signed up for this service. In fact I have attached my account where it says card security No. I can only see as far back as a year but I have been charged this fee and therefore additional interest for probably 5 years along with this random fake charges.

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 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint because I have disputed and contacted LVNV Funding about two debts that were fraudulent. I have contacted them previously and disputed formally a total of three times with the credit bureaus and directly with LVNV. 
I made every attempt to complete my fraud claim with both XXXX  XXXX and XXXX  XXXX, but they both closed the accounts and sent them to LVNV Funding Collections. 

On XX/XX/XXXX, I mailed a certified letter to LVNV Funding asking for account history and transaction history from LVNV on both accounts. They replied with letters stating when the accounts were opened and who was the original creditor, therefore providing no proof or documents requested. They are just " in house '' statements. The letters ( noted as Doc 1 and Doc 2 attached ) was manufactured by Resurgent Capital, a sister company of LVNV Funding- not by XXXX   XXXX XXXX  or XXXX  XXXX XXXX. 
I even enclosed an FTC Identity Report ( XX/XX/XXXX ) and mailed that to LVNV. 
I again received documents stating that the debt was valid and they consider it to be " collectable ''. I updated my FTC Report today and attached it. 

LVNV has no history from a transaction or fraud investigation perceptive, yet they are dismissing my fraud claims. Please see attached documents for review and I appreciate your assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My company XXXX XXXX sells XXXX   parts on XXXX. We are paid through Paypal. We transfer our money to our bank account through a ACH transfer. On XX/XX/XXXX I transferred XXXX to my bank account but it never arrived. I contacted Paypal and they did a trace on the transfer. I got back a ach transfer trace number which according to my bank and several other banks the number is not a ach transfer trace number. A ACH transfer trace number is a nine to twelve numeric digit code. The number I received is 20 digit alpha numeric code. I contacted paypal and told them this was not a correct code for my bank. The supervisor contacted the ach department and was told the my bank would not recognize the code since it was created by there clearing house XXXX XXXX XXXX. I need the correct trace number but have been told by Paypal that they can not help me any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX Lied to me about bank process that violated my rights civil and human rights i alerted XXXX XXXX of the situation they didn't make it right they just played like signing 10 signatures is part of the process to open up a safe deposit box and also telling that biz accounts were only for biz trying to make it so unfairly that a person with the right mind could not accept i've been doing biz with them for decades and they made it seem like a was knew

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My Mortgage company ocwen was bought out this past XXXX by PHH. I was one payment behind. I have made 10 payments this year, and bank statements to prove. They claim that I had arrearages and applied payments to that. I have nothing that states that. 
After several attempts, long holds, many customer service people whom told me something different each time, various departments, NOTHING but telling me that I haven't made a payment since XXXX. And that is absolutely NOT the case. I have a modified loan, for 9 years, owned the home for 25 years. I DO NOT WANT TO LOSE MY HOME!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
This Case should have never been closed out against Capitol One They provided no Evidence to back up their claim that they provided the information to that address or a copy of that letter that was sent. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.16. A bill does not quality as a notice of debit collection action. If you are trying to say a bill qualify then again Capital one is in Volition of the Law. The FDCPA clearly states a debt collector may not use any language or symbol on any  envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt This next part they made false and misleading statements overshadowing the validation requirements C.M.R. 18.18. o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16. 

3rd here is a release and another claim I will be submitting that Capital one claims that they can  find all of their debtors with out any issues and know where they are at, at all times XXXX XXXX   XXXX XXXX. Last but not least when I was no longer at well before XX/XX/2018. XXXX XXXX XXXX XXXX, ND XXXX. I had all mail forwarded for 2 years to this address XXXX XXXX XXXX XXXX XXXX Ut XXXX due to awaiting information from the VA. 

Please address the law violation that you have committed as a company this time and not a generic response to close a case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cstone Mortgage Inc
State: CA

Complaint narrative:
I was referred to Cornerstone Mortgage Group for a refinance. I was told XXXX XXXX NMLS # XXXX could handle my file and would help me get into a lower rate mortgage. He found a mortgage product that fit my needs and so decided to proceed. I clearly instructed him to order the valuation report only after all other underwriting items were 'green lighted ' ... .I am a XXXX   XXXX  XXXX  and have been doing this for years. I also am a XXXX. 

Since my property had less than 40 % leverage ( 60 % equity ) I knew even with a conservative valuation this item would not hinder the refinance process. Well Mr. XXXX took it upon himself to order a valuation report before all other items were 'cleared ' against my instructions and then he and his underwriting team could not deliver on the refinancing siting other issues. Why did he spend funds on a valuation report that was not needed as the mortgage could not be issued is truly a lack of professionalism and demonstrates the lack of experience in dealing with such matters ( which is fine as we all need to start learning somewhere - but he should have had the appropriate coaching and guidance which clearly he did not ). I do not recommend Cornerstone Mortgage Group ( NMLS   XXXX ) for your refinancing needs as they have a difficult time listening to basic instructions and not delivering as promised.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: Coastal Credit, LLC
State: VA

Complaint narrative:
Paid off my loan in XXXX of XXXX and still do not have a title. Called repeatedly to Coastal Credit LLC and was told the title had been sent to the wrong address. After 10 months of waiting for a duplicate title I spoke with the title clerk who informed me it was going to be sent out again. I asked if I go and pay for the title who is going to reimburse me, as I paid for the title when the car was acquired, I was told no. As of today XX/XX/XXXX I still do not have a title. I was given a tracking number and when I attempted to acquire the title DMV states there is no title available.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
I was served a delinquent tax notice by XXXX County, Delaware dated XX/XX/19 for unpaid taxes to the county that were due on XX/XX/19. PennyMac Loan Services , LLC is responsible for making this payment along with the City of XXXX, DE tax payments from my escrow account in a timely manner. I confirmed that this was the case by calling the XXXX County Collections Division as soon as I received the notice. I also called The City of XXXX to see if PennyMac paid taxes owed to them and the accountant confirmed that PennyMac had not paid the city taxes and that the payment was overdue, also. Starting XX/XX/19 I began making weekly ( at least ) calls to PennyMac with the last call being made today ( XX/XX/19 ). I have explained the issue every time I call to the customer representatives, and yet, the issue has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
I was made aware of an account on my credit report that is not mine. The reason I found out about this account is that I was at XXXX today XX/XX/19 trying to get a loan and I was told that I didn't get approved because there was an account reflecting badly on my credit history. I never opened that account nor do I have any relationship or affiliation to that company in any way. I never allowed anyone to open this account on my behalf nor did I ever benefit anything from this account. I did not take part in any transactions that were made with this account and I have already filed a police report in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Opened account offering a {$300.00} bonus if DD of {$2500.00} or more in 60 days. Did this and waited a month past 95 days when it should have been credited. I have called 3 times and they just say they are emailing someone.

Company response to consumer: Closed with non-monetary relief