vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have been receiving this robo call in frequently since XX/XX/XXXX " Dear customer, this XXXX from Amazon there is a disputed charge on your Amazon account for {$720.00} in XXXX, Ohio. Please dial one to speak to a representative " This number is always a spoofed number starting with ( XXXX ) XXXX. I have pushed one and asked to be removed from their call list at least 2 times. StartingXX/XX/2021 at XXXX these calls increased in frequency to about every 15 mins to currently every 5 mins. I have pushed 1 and asked repeatedly for the calls to stop. The last time I pressed 1 to speak with someone there was a threat on my life " to put a XXXX  in me and XXXX me up. '' One of the calls that came through was not hidden. The number XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
AN ACCOUNT WAS OPENED ON XX/XX/2015 FOR {$4600.00} DOLLARS. I TRIED DEALING WITH THEM DIRECTLY. INTIALLY THEY REMOVED FROM MY FILE BUT IT RE APPEARED A FEW MONTHS AGO WITH NO RESPONSE FROM THEM ON WHY. I AM ENCLOSING A POLICE REPORT STATING I HAVE BEEN A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have tried to resolve this issue with EQUIFAX for a while now but it is no resolution. I had provided some required documents that they have wanted for a week now and everytime i call they are always asking for THE DOCUMENTS THAT i already provided they have not added that to my account. in addition, they are failing to let my login to MY EQUIFAX account to see my information it always give me an error message stating to call customer care. i have been dealing with this issue for 3 days now and it still has not been fixed. this is the worst company ever which needs to be investigated every consumer has an issue with EQUIFAX and this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
We had inquired about a deferment. 
And then the same day we told Cornerstone we did not want the deferment and would send the two payments so we could close out the forbearance. We continuously made payments during the forbearance period. Since that conversation we have talked to 5-6 reps reiterating do not put us in a deferment. Weve asked, requested, pleaded with reps to take action do not put us under a deferment yet we have received 2 emails ( XX/XX/XXXX and XX/XX/XXXX ) that deferment was approved. 

We are asking for someone authoritative to assist us. We need Cornerstone to 1. Cancel deferment if we have been added to one. It is against our request and there should be days of call records/notes indicating to do so. 
1. Apply our payments ( {$6400.00} ) to our mortgage acct first.

2. THEN remove us from the forbearance.

3. Email or fax us the customer a letter stating we are out of the forbearance so we can proceed with our refi and payoff of this account.

All reps read vague notes and provide status. No one has provided accurate details on when {$6800.00} dollars in payments received ( and debited ) by Cornerstone will be applied to our account and no longer in suspense.

No one has confirmed the deferment of the aforementioned payments ( we PAID ) was canceled. 
No one will tell us when we will be out of the forbearance. 
No one will confirm we can have a letter in email or fax regarding the exit of the forbearance. 

Cornerstone mortgaging does nothing allow customer service or loan counselors to call out. How do they own serving customers to issue resolution when they cant follow up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: Exeter Finance, LLC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
From XXXX 2020 Money Lion took {$1000.00} from my checking account in {$200.00} transactions, 5 total. I would later discover a criminal used my identity to establish a Money Lion account in my name and withdraw the funds. Once I discovered this, I let my bank know and have been calling and emailing Money Lion with XXXX help in return from ML- I expect to be refunded as they allowed their service to be used for fraudulent activity and such an ineffective system to resolve account disputes. A company valued at a XXXX dollars that touts itself as a " Mobile Bank '' should be ashamed of such poor service. Most of my phone calls to ML are answered by overseas call farms that can barely speak XXXX or assist me much at all aside from assuring me I'll be contacted by the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
While at XXXX XXXX on XX/XX/2021, I witnessed a cashier encourage a consumer to apply for a new XXXX XXXX card in order to get a 50 % discount on her purchase that day. The cashier and the consumer both acknowledged that the consumer already had a XXXX XXXX credit card but agreed that she should get a second one to get this discount. It seems like a terrible practice to encourage consumers to get multiple credit cards from the same store. It is not reasonable to assume the average American can manage multiple cards from the same store. It is more likely they will run up larger credit card bills by using both cards. XXXX XXXX should strongly discourage their cashiers from this practice. It is not in the best interests of their customers.

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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This company has failed to respond to two of my dispute letters that were sent on XXXX and XXXX. Under the FCRA, if a credit bureau or a company that fails to provide verifiable information or the original consumer contract to the account ( s ) they are reporting, those account ( s ) must be deleted from a consumer 's credit report immediately. In addition to that, if a credit bureau is unable to verify information or response to a disputed item within 30 days, they must delete those disputed items immediately off of a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
XX/XX/2016 Amount : {$180.00} Action Taken : I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX are the same account and are not suppose to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.XXXX XXXX  credit cards has been removed from My credit report From XXXX after it found the account was not mines.both cards XXXX and XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines. XXXX XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX inquire has been removed from My credit report From XXXX after it found the account was not mines. 

regions inquire has been removed from My credit report From XXXX after it found the account was not mines. 

XXXX XXXX XXXX has been removed from My credit report From XXXX after it found the account was not mines.

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 2021-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have been affected by the Covid crises since XX/XX/2020. Have been on unpaid FMLA since XX/XX/2020. Because of being at XX/XX/XXXX due toXX/XX/XXXXconditions. And having to care for my children since schools have been closed. And both my children suffer from XX/XX/XXXXand XX/XX/XXXX conditions. And orders from XXXX that my children must have 24/7 supervision. I am aXX/XX/XXXX With full custody and no one else to care for them. I have all documentation from doctors and all FMLA documents. I have told the mortgage company I wanted to save our home and needed a modification under the cares act. And because I had no way of coming up with money for the modification process which they were asking for {$1200.00} dollars. I never heard back from anyone. And instead of helping they started foreclosure proceedings. I am currently in chapter XXXX, and the trustee has received documents from my employer that I have been on Unpaid FMLA. My attorney has said the mortgage company must perform a loan modification under the cares act. And that the chapter XXXX trustee has advised to call the mortgage company again for modification. Since my case through the courts are on hold until I can get back to work. And the crisis is over. Any assistance in this case is much appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Vision Mortgage Company, Ltd.
State: TX

Complaint narrative:
We recruited Vision Mortgage Company ( VMC ), XXXX XXXX XXXX proprietor ) to help us find a XXXX Home Equity loan with reasonable interest rates. We have at least $ XXXX equity in our Homestead property. We gave Mr. XXXX pertinent confidential/private financial information to accomplish this task. 
Without our written consent/knowledge/permission VMC began orchestrating his nefarious agenda by registering applications for other types of loans containing our confidential/private financial information. When asked for copies of the documents he registered with his lenders, he sent a " document he worked off of '' without ever providing what I asked. We were deceived with lies about the urgency of funds needed to circumvent a work stoppage and lies about our equity in both of our properties as the reason we didnt qualify for a Home Equity Loan. There are many instances that are suspicious. How did XXXX arrange 3 closing sessions when we, the borrowers, never completed an application requesting a loan from anyone. He refuses to provide any copies of the applications/approval of those requests for loans he registered with his lenders. He also deemed a business affidavit as incorrect, altered the document then notarized the document he created. He stated that his title allows him to do that. I have correspondence to show this but also the fact that he never sought to find low-cost interest rates to compare for a Home Equity Loan as requested so that we could decide how we wanted to proceed. He took advantage of my suffering XX/XX/XXXX XX/XX/XXXX XXXX XXXX and a XXXX during this time. While in recovery and rehabilitation, I learned VMC obtained a $ XXXX Personal Loan. This loan was structured to benefit the lender ( USURY ). This loan allowed the lender to pocket the escrow as interest. The way he arranged the loans, we are unable to use our equity for 2 years. 

There was no disclosure or Truth in Lending which includes the appearance of an unethical conflict of interest. Now that VMC got away with the first loan, they have introduced another personal loan to rectify the irregularity as to avoid foreclosure on the first loan. We immediately declined to close on this pre-planned loan. 

VMC should be held accountable for their outright lies, deceit and unethical behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
I lost my credit card when my wallet dropped and spilled it's contents in a very busy public place. I did not realize that my card was missing until I received a billing statement for merchandise that was fraudulently purchased with the missing card. I then reported the card missing and followed up with a confirmation letter. I complied with all the company 's requests except the filing of a police report as I was told by the detective that I was not the victim. They could only take a report from the credit card company or the individual merchants. The company now states that I still owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: PNC Bank N.A.
State: IL

Complaint narrative:
A LOAN WAS OPENED FROM PNC BANK ON XXXX OF 2019 FOR {$26000.00} WITHOUT MY AUTHORIZATION. NO RESPONSE FROM COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
This Complaint is in regards to loan # XXXX with Planet Home Lending. 

The loan was transferred to Planet Home lending for servicing on XX/XX/2020 as none-escrowed loan as represented in the closing disclosure document from the original lender XXXX XXXXXX/XX/XXXX. See attachment 1 - Loan XXXX Closing Disclosure. 

On XX/XX/2020, I paid my property taxes to XXXX XXXX Treasurer Tax Collector as the loan is none-escrowed. See attachment 2- Loan XXXX Property Tax Payment. 

On XX/XX/2020, I received XXXX monthly mortgage statement from Planet Home Lending claiming they paid property taxes on my behalf on XX/XX/2020 and added an escrow advance with negative balance of {$2800.00} to my account even though the account is none escrowed. See attachment 2 - Loan XXXX XXXX statement. 

I confirmed with XXXX XXXX Treasurer Tax Collector that they have never received any payment from the lender on my behalf and the only payment they received is the one I paid online myself. 

Since then, I have called the lender more than 5 times in separate occasions and explained the error multiple times to different customer service reps and emailed them copy of the closing disclosure showing the loan is none-escrowed. However, they are refusing to remove the escrow advance negative balance from my account. In fact, the negative balance still shows on the most recent statement and annual form 1098. See Attachment 4- Loan # XXXX XXXX Statement and 1098 Annual Statement Im currently in the process of refinancing the loan with another lender and afraid that Planet Home Lending provide misleading payoff letter to the new lender showing I have negative balance of {$2800.00} on my escrow account which will be added to the new loan balance. 

Please protect me against this lender fraud that going on for over 2 months with no resolution from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
XXXX XXXX and XXXXXX/XX/XXXX are the same account and are not supposed to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report FromXX/XX/XXXX after it found the account was not mine. XXXXXX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mines.XXXX suntrust credit cards has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.both cards XXXX and XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mine. XXXXXX/XX/XXXX inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

syncb inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

regions inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

XX/XX/XXXX have been removed from My credit report From XX/XX/XXXX after it found the account was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
Google suspended my google pay account in early XXXX, this impacts all of their services as they dont allow their users to pay directly with a credit card so Im unable to use any of their other services, they asked for my ID but not a reason why they were requesting it, Ive had this Google Pay account for a minimum of 5 years and no issues. They will not respond to my inquires and they say they dont have a phone number that I can reach out to, they keep responding that they are investigating but no timeline, no reason and no feedback as to what happened in the first place. How can a large multibillion dollar organization not have a department that can provide answers as to what led to this on the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect and outdated information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
This account was past around to 14 different creditors. The account was closed but I guest management services incorporated picked it up. The account once was removed off my credit report but the collections agency keep putting it back on every new year. Someone used my name after I pulled back from cosigning. The sales rep at the dealership proceeded anyway after I told him I changed my mind. The next day after me leaving the dealership. This account was back in XX/XX/XXXX. Now the debt collector place it on my credit as XX/XX/XXXX with the amount of {$10000.00}. I reached out to the collector and told them what happened and said the can do a settlement for {$1000.00} I agreed but then I ask can I receive a letter of proof stating I resolved the matter and they said I would have to wait. I thought if I pay with my Credit card I should be able to receive proof so now I had doubt on paying the settlement and the reason I was going to pay the settlement because I was trying to buy a house because I just got married and need the later to proceed with buying my house. I really don't fill like I am responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At this time, I respectfully request a copy of my Experian,XX/XX/XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX. 

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